Canandaigua National Corporation (CNND)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Canandaigua National Corporation (CNND) trades at $217.00 with AI Score 44/100 (Grade C). Canandaigua National Corporation is a bank holding company providing banking and financial services to individuals, corporations, and municipalities. Market cap: $397.41M, Sector: Financial services.
Price live · AI analysis from Jun 1, 2026Analyst Coverage for CNND: CNND does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CNND against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CNND: the 1 perspectives are evenly split.
How is this calculated? →Canandaigua National Corporation (CNND) Financial Services Profile
Canandaigua National Corporation, established in 1887, provides comprehensive banking and financial services in upstate New York. With a focus on commercial and retail banking, investment management, and trust services, the company distinguishes itself through a high dividend yield and a negative beta, indicating lower volatility compared to the broader market.
What Is the Investment Thesis for CNND?
Canandaigua National Corporation presents a compelling investment case due to its established presence in the upstate New York region and its diverse range of financial services. With a P/E ratio of 6.7 and a dividend yield of 4.53%, the company offers value and income potential. The negative beta of -0.21 suggests lower volatility compared to the market, which may appeal to risk-averse investors. Growth catalysts include expanding digital banking services and capitalizing on opportunities within its existing customer base. However, potential risks include interest rate sensitivity and regional economic conditions. The company's ability to maintain its profit margin of 17.9% and adapt to changing regulatory landscapes will be crucial for sustained growth.
Based on FMP financials and quantitative analysis
CNND Key Highlights
- Market capitalization of $397.41M, reflecting its size and market value.
- P/E ratio of 6.7, suggesting the company may be undervalued compared to its earnings.
- Profit margin of 17.9%, indicating efficient operations and profitability.
- Gross margin of 64.6%, highlighting the company's ability to generate revenue after accounting for the cost of goods sold.
- Dividend yield of 4.53%, offering a substantial return to shareholders.
Who Are CNND's Competitors?
CNND is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| CVLY Codorus Valley Bancorp, Inc. | $24.04 | +4.98% | $232.28M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
| LLDTF Lloyds Banking Group plc | $1.45 | +0.00% | $84.34B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CNND's Key Strengths?
- Established presence in Ontario and Monroe Counties.
- Diverse range of banking and financial services.
- High dividend yield.
- Negative beta indicating lower volatility.
What Are CNND's Weaknesses?
- Limited geographic reach.
- Reliance on regional economic conditions.
- Smaller size compared to national banks.
- Exposure to interest rate risk.
What Could Drive CNND Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Strategic partnerships with local businesses to drive customer acquisition.
- Growth in wealth management services to generate additional revenue streams.
What Are the Key Risks for CNND?
- Financial-distress signal — its Altman Z-Score of -0.13 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns in the region impacting loan performance.
- Competition from larger national banks.
- Regulatory changes affecting the banking industry.
- Increasing cybersecurity threats.
What Are the Growth Opportunities for CNND?
- Expansion of Digital Banking Services: Canandaigua National Corporation can capitalize on the increasing adoption of digital banking by enhancing its online and mobile platforms. By offering a wider range of digital services, such as mobile check deposit, online account opening, and personalized financial management tools, the company can attract new customers and retain existing ones. The market for digital banking is projected to grow significantly, presenting a substantial opportunity for Canandaigua National Corporation to increase its market share.
- Strategic Partnerships with Local Businesses: Forming strategic alliances with local businesses in Ontario and Monroe Counties can drive customer acquisition and revenue growth. By offering tailored financial solutions to local businesses, such as commercial loans, cash management services, and employee benefits programs, Canandaigua National Corporation can strengthen its ties to the community and become a preferred banking partner. These partnerships can also lead to cross-promotional opportunities and increased brand awareness.
- Wealth Management Services Expansion: There is an opportunity to expand wealth management services, including financial planning, investment management, and retirement planning. By offering personalized wealth management solutions to high-net-worth individuals and families, Canandaigua National Corporation can generate additional revenue streams and enhance customer loyalty. The demand for wealth management services is expected to grow as the population ages and individuals seek professional guidance in managing their finances.
- Targeted Marketing Campaigns: Implementing targeted marketing campaigns focused on specific customer segments can improve customer acquisition and retention rates. By analyzing customer data and identifying key demographics, Canandaigua National Corporation can tailor its marketing messages to resonate with specific groups, such as young professionals, small business owners, and retirees. These campaigns can leverage digital channels, such as social media and email marketing, to reach a wider audience and drive engagement.
- Geographic Expansion within New York State: While currently focused on Ontario and Monroe Counties, Canandaigua National Corporation could explore strategic expansion into neighboring counties within New York State. By carefully assessing market opportunities and identifying underserved areas, the company can extend its reach and tap into new customer bases. This expansion could involve opening new branches, acquiring existing banks, or establishing partnerships with local organizations.
What Opportunities Does CNND Have?
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Growth in wealth management services.
- Geographic expansion within New York State.
What Threats Does CNND Face?
- Competition from larger national banks.
- Regulatory changes.
- Economic downturns in the region.
- Increasing cybersecurity threats.
What Are CNND's Competitive Advantages?
- Strong local presence and brand recognition in Ontario and Monroe Counties.
- Long-standing relationships with customers and local businesses.
- Comprehensive suite of banking and financial services.
- High dividend yield attracting income-seeking investors.
What Does CNND Do?
Founded in 1887 and headquartered in Canandaigua, New York, Canandaigua National Corporation operates as the bank holding company for The Canandaigua National Bank & Trust Company and Canandaigua National Trust Company of Florida. The bank offers a wide array of financial services, including checking, savings, and certificate of deposit accounts, alongside debit and credit cards. Its lending portfolio encompasses commercial and industrial loans, commercial real estate loans, residential real estate loans, home equity lines of credit, and various consumer loans. Canandaigua National Corporation caters to individuals, corporations, and municipalities primarily within Ontario and Monroe Counties in New York State. Beyond traditional banking, the company provides investment management, financial planning, trust and estate services, retirement planning, and insurance products. To meet evolving customer needs, Canandaigua National Corporation offers cash management services and digital banking solutions, including online, mobile, and text banking, bill pay, custodial, payroll, workplace banking, and ATM services. This multifaceted approach positions Canandaigua National Corporation as a community-focused financial institution with a comprehensive suite of services.
What Products and Services Does CNND Offer?
- Provides checking and savings accounts.
- Offers commercial and industrial loans.
- Provides commercial real estate loans.
- Offers residential real estate loans.
- Provides home equity lines of credit.
- Offers investment management and financial planning services.
- Provides trust and estate services.
- Offers online and mobile banking services.
How Does CNND Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as investment management and financial planning.
- Profits from deposit accounts and related banking services.
- Gains revenue from trust and estate administration.
What Industry Does CNND Operate In?
Canandaigua National Corporation operates within the regional banking sector, which is characterized by intense competition from larger national banks and smaller community banks. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Canandaigua National Corporation differentiates itself through its local focus and personalized service, catering specifically to the needs of individuals, corporations, and municipalities in Ontario and Monroe Counties of New York State. The company's emphasis on both traditional and digital banking services positions it to capitalize on evolving customer preferences.
Who Are CNND's Key Customers?
- Individuals in Ontario and Monroe Counties, NY.
- Corporations in Ontario and Monroe Counties, NY.
- Municipalities in Ontario and Monroe Counties, NY.
ROE 15%Key Financial Metrics
Return on equity for Canandaigua National Corporation stands at 14.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. CNND trades at a trailing price-to-earnings ratio of 6.70, below the Financial Services sector average of ~18x. Its free cash flow yield is 17.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.33 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 14.8%, the inverse of the P/E and a quick read on earnings relative to price.
How Canandaigua National Corporation Is Valued
Canandaigua National Corporation carries a market capitalization of $397.41M, placing it in the small-cap category. Relative to its peer group, CNND's quantitative score of 44/100 is below the peer average of 68/100.
F-Score 6/9Financial Health
Canandaigua National Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.13 places it in the distress zone, a signal of elevated financial risk.
CNND Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in Ontario and Monroe Counties.
- Diverse range of banking and financial services.
- High dividend yield.
- Negative beta indicating lower volatility.
Bear Case
- Limited geographic reach.
- Reliance on regional economic conditions.
- Smaller size compared to national banks.
- Exposure to interest rate risk.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CNND Latest News
No recent news available for CNND.
CNND Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CNND.
Price Targets
Wall Street price target analysis for CNND.
CNND MoonshotScore
What does this score mean?
The MoonshotScore rates CNND's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Frank H. Hamlin
Unknown
Information on Frank H. Hamlin's background is not available in the provided data. Without additional context, it is impossible to provide a detailed career history, education, or previous roles.
Track Record: Information on Frank H. Hamlin's track record is not available in the provided data. Therefore, key achievements, strategic decisions, and company milestones under their leadership cannot be assessed.
CNND OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for or do not meet the requirements of the OTCQX or OTCQB tiers. Companies in this tier may have limited financial disclosure, and there may be less information available to investors compared to companies listed on major exchanges like the NYSE or NASDAQ. These securities often carry higher risks due to the potential for limited liquidity and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure.
- Lower liquidity compared to major exchanges.
- Potential for wider bid-ask spreads.
- Higher price volatility.
- Increased risk of fraud or manipulation.
- Verify the company's financial statements and disclosures.
- Assess the company's management team and their experience.
- Research the company's business model and competitive landscape.
- Evaluate the company's regulatory compliance.
- Monitor trading volume and price volatility.
- Understand the risks associated with investing in OTC securities.
- Long operating history since 1887.
- Established presence in Ontario and Monroe Counties.
- Provision of banking and financial services.
- Operation as a bank holding company.
What Investors Ask About Canandaigua National Corporation (CNND) — Financial Services
What does Canandaigua National Corporation do?
Canandaigua National Corporation operates as the bank holding company for The Canandaigua National Bank & Trust Company and Canandaigua National Trust Company of Florida. It offers a comprehensive suite of banking and financial services, including checking, savings, and loan products, to individuals, corporations, and municipalities primarily in Ontario and Monroe Counties of New York State. Additionally, the company provides investment management, financial planning, and trust services, positioning itself as a full-service financial institution within its local market.
What do analysts say about CNND stock?
Analyst coverage of CNND is limited due to its OTC listing and regional focus. Key valuation metrics include a P/E ratio of 6.7 and a dividend yield of 4.53%. Growth considerations revolve around the company's ability to expand its digital banking services, manage interest rate risk, and maintain its profit margin of 17.9%. The negative beta of -0.21 suggests lower volatility compared to the broader market, which may appeal to risk-averse investors.
What are the main risks for CNND?
The main risks for Canandaigua National Corporation include its reliance on the regional economy of Ontario and Monroe Counties, which makes it susceptible to local economic downturns. Competition from larger national banks poses a threat to its market share. Regulatory changes in the banking industry could increase compliance costs. Additionally, the company faces cybersecurity risks, which could compromise customer data and disrupt operations. As an OTC-listed stock, CNND also carries liquidity and transparency risks.
What is Canandaigua National Corporation's credit quality and risk management approach?
Due to limited public information, a comprehensive assessment of Canandaigua National Corporation's loan portfolio quality, provision levels, and risk management frameworks is challenging. However, as a regulated financial institution, Canandaigua National Corporation is expected to adhere to established banking practices and regulatory guidelines. Investors should seek additional information from the company directly or through available financial reports to evaluate its credit quality and risk management approach.
What regulatory challenges does Canandaigua National Corporation face?
As a bank holding company, Canandaigua National Corporation faces regulatory oversight from agencies such as the Federal Reserve and the New York State Department of Financial Services. These regulations cover capital requirements, lending practices, and compliance with consumer protection laws. Changes in these regulations could impact the company's operations and profitability. Investors should monitor regulatory developments and assess their potential impact on Canandaigua National Corporation's business.
What are the key factors to evaluate for CNND?
Canandaigua National Corporation (CNND) holds an AI score of 44/100 (low). P/E: 6.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CNND data refresh on this page?
CNND prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CNND's recent stock price performance?
Canandaigua National Corporation (CNND) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Ontario and Monroe Counties. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available for OTC-listed companies.
- Analyst consensus data may be limited or unavailable.