Cornerstone Community Bancorp (CRSB)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Cornerstone Community Bancorp (CRSB) with AI Score 45/100 (Weak). Cornerstone Community Bancorp operates as the bank holding company for Cornerstone Community Bank, offering a range of commercial, personal, and agricultural banking services in Northern California. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 16, 2026Cornerstone Community Bancorp (CRSB) Financial Services Profile
Cornerstone Community Bancorp, operating as Cornerstone Community Bank, provides commercial, personal, and agricultural banking services in Northern California, focusing on small to mid-sized businesses. With a negative P/E ratio and profit margin, the bank navigates a competitive landscape while serving Tehama, Shasta, Butte, and Glenn counties.
Investment Thesis
Cornerstone Community Bancorp presents a challenging investment case, given its negative P/E ratio of -25.73 and a negative profit margin of -12.4%. The company's beta of 0.44 suggests lower volatility compared to the market. Growth catalysts may include expansion of its services within its existing geographic footprint and strategic partnerships with local businesses. However, potential risks include the competitive banking environment, regulatory compliance costs, and the overall economic health of the Northern California region. Investors should closely monitor the company's ability to improve profitability and manage credit risk in its loan portfolio. The company's focus on community banking could provide a competitive advantage if executed effectively.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.06 billion indicates a small-cap bank.
- Negative P/E ratio of -25.73 reflects current losses or low earnings.
- Negative profit margin of -12.4% suggests operational challenges in achieving profitability.
- Gross margin of 74.7% indicates a strong potential for profitability if operational costs are managed effectively.
- Beta of 0.44 suggests lower volatility compared to the overall market.
Competitors & Peers
Strengths
- Strong local market knowledge.
- Established relationships with local businesses.
- Commitment to community development.
- Wide range of banking products and services.
Weaknesses
- Small market capitalization.
- Negative profitability metrics.
- Limited geographic diversification.
- Dependence on local economic conditions.
Catalysts
- Ongoing: Expansion of digital banking services to attract new customers and improve operational efficiency.
- Ongoing: Strategic partnerships with local businesses to drive loan growth and increase deposit volumes.
- Ongoing: Focus on SBA lending to provide a stable source of fee income and support local economic development.
Risks
- Potential: Economic downturn in Northern California could negatively impact loan performance and profitability.
- Potential: Increasing regulatory compliance costs could strain the bank's financial resources.
- Ongoing: Competition from larger national banks and credit unions could erode market share.
- Potential: Changes in interest rates could impact net interest margin and profitability.
- Ongoing: Negative profit margin and P/E ratio indicate financial challenges.
Growth Opportunities
- Expansion of Digital Banking Services: Investing in and expanding digital banking services can attract a wider customer base and improve operational efficiency. The market for digital banking is growing rapidly, with projections estimating significant increases in user adoption over the next few years. By offering user-friendly mobile banking apps, online account management tools, and other digital solutions, Cornerstone Community Bancorp can enhance customer experience and reduce costs.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can drive loan growth and increase deposit volumes. By collaborating with real estate developers, professional service firms, and other businesses in Tehama, Shasta, Butte, and Glenn counties, Cornerstone Community Bancorp can tap into new customer segments and expand its market share. These partnerships can also create cross-selling opportunities and strengthen the bank's ties to the local community.
- Focus on SBA Lending: Increasing its focus on Small Business Administration (SBA) lending can provide a stable source of fee income and support local economic development. SBA loans are guaranteed by the government, reducing the bank's credit risk. By offering SBA loans to small businesses in its service area, Cornerstone Community Bancorp can help entrepreneurs start and grow their businesses, creating jobs and stimulating economic activity. The SBA lending market is expected to grow as small businesses seek access to capital.
- Enhancement of Wealth Management Services: Expanding wealth management services can generate additional revenue streams and attract high-net-worth clients. By offering financial planning, investment management, and trust services, Cornerstone Community Bancorp can cater to the needs of affluent individuals and families in its market area. The wealth management industry is experiencing growth, driven by factors such as an aging population and increasing wealth accumulation. This presents a significant opportunity for Cornerstone Community Bancorp to diversify its revenue base.
- Geographic Expansion within Northern California: Expanding its branch network or establishing a presence in adjacent counties within Northern California can increase its market reach and customer base. By carefully selecting new locations with strong economic growth potential, Cornerstone Community Bancorp can tap into underserved markets and expand its footprint. This expansion should be supported by thorough market research and a well-defined business plan to ensure profitability and sustainable growth.
Opportunities
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Increased focus on SBA lending.
- Geographic expansion within Northern California.
Threats
- Competition from larger national banks.
- Economic downturn in Northern California.
- Increasing regulatory compliance costs.
- Changes in interest rates.
Competitive Advantages
- Local Market Expertise: Deep understanding of the Northern California market.
- Customer Relationships: Strong relationships with local businesses and individuals.
- Community Focus: Commitment to supporting the local community.
- Regulatory Compliance: Expertise in navigating banking regulations.
About CRSB
Incorporated in 2014 and headquartered in Red Bluff, California, Cornerstone Community Bancorp functions as the bank holding company for Cornerstone Community Bank. The bank provides a suite of financial services tailored to the needs of individuals, small businesses, and agricultural enterprises in Tehama, Shasta, Butte, and Glenn counties. Its personal banking products include checking and savings accounts, money market accounts, health savings accounts, individual retirement accounts, certificates of deposit, debit and credit cards, and various personal loans, such as auto loans and home equity lines of credit. For businesses, Cornerstone Community Bank offers business checking and savings accounts, money market accounts, certificates of deposit, business debit and credit cards, and business loans, including commercial real estate, equipment, and SBA loans. The bank also provides online banking, mobile banking, remote deposit capture, and merchant card services. Cornerstone Community Bank aims to be a community-focused financial institution, emphasizing personalized service and local decision-making to support the economic growth of the Northern California region.
What They Do
- Provides personal banking services, including checking and savings accounts.
- Offers business banking solutions, such as commercial loans and lines of credit.
- Provides agricultural lending to farmers and ranchers.
- Offers online and mobile banking services.
- Provides real estate financing for residential and commercial properties.
- Provides debit and credit cards to individuals and businesses.
- Offers wealth management and trust services.
Business Model
- Generates revenue through interest income on loans.
- Earns fees from services like online banking and merchant card processing.
- Attracts deposits from individuals and businesses.
- Manages risk through credit analysis and loan diversification.
Industry Context
Cornerstone Community Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving regulatory landscapes. The industry is influenced by factors such as interest rate fluctuations, credit quality, and technological advancements. Regional banks like Cornerstone Community Bancorp face competition from larger national banks, credit unions, and fintech companies. The company's success depends on its ability to differentiate itself through personalized service, local market expertise, and efficient operations. The banking industry is also subject to regulatory oversight, which can impact capital requirements and compliance costs.
Key Customers
- Small and mid-size businesses in Northern California.
- Individuals seeking personal banking services.
- Real estate developers and investors.
- Agricultural businesses and farmers.
- Not-for-profit organizations.
Financials
Chart & Info
Cornerstone Community Bancorp (CRSB) stock price: Price data unavailable
Latest News
No recent news available for CRSB.
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CRSB.
Price Targets
Wall Street price target analysis for CRSB.
MoonshotScore
What does this score mean?
The MoonshotScore rates CRSB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Matthew B. Moseley
CEO
Matthew B. Moseley serves as the CEO of Cornerstone Community Bancorp. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. Prior to joining Cornerstone Community Bancorp, Moseley held leadership positions at other financial institutions, where he was responsible for overseeing various aspects of banking operations, including lending, risk management, and customer service. He has a strong understanding of the local market and a commitment to supporting the economic growth of Northern California.
Track Record: Since assuming the role of CEO, Matthew B. Moseley has focused on improving the bank's operational efficiency and expanding its digital banking capabilities. Key initiatives under his leadership include streamlining lending processes, enhancing customer service, and implementing new technologies to improve the bank's competitiveness. However, the company still faces challenges related to profitability and market share growth.
CRSB OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Cornerstone Community Bancorp may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting, potentially making it more difficult for investors to assess their financial health and performance. Unlike NYSE or NASDAQ-listed companies, OTC Other firms often have less stringent listing requirements, resulting in increased risks for investors due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: Lack of comprehensive and timely financial information.
- Low Liquidity: Difficulty in buying or selling shares without affecting the price.
- Regulatory Scrutiny: Potential for increased regulatory oversight and compliance costs.
- Price Volatility: Higher price volatility due to limited trading volume and market interest.
- Going Concern Risk: Uncertainty about the company's ability to continue operating as a going concern.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the company's capital structure and debt obligations.
- Analyze the company's cash flow and liquidity position.
- Monitor news and regulatory filings for any red flags.
- Established banking operations in Northern California.
- Licensed and regulated by banking authorities.
- Experienced management team with banking expertise.
- Commitment to serving local communities.
- Availability of some financial information, even if limited.
CRSB Financial Services Stock FAQ
What does Cornerstone Community Bancorp do?
Cornerstone Community Bancorp, through its subsidiary Cornerstone Community Bank, provides a range of banking services to individuals, small businesses, and agricultural enterprises in Tehama, Shasta, Butte, and Glenn counties in California. These services include personal and business checking and savings accounts, various loan products, online and mobile banking, and other financial services. The bank focuses on serving the needs of its local communities and building long-term relationships with its customers.
What do analysts say about CRSB stock?
There is currently no readily available analyst coverage for Cornerstone Community Bancorp (CRSB) due to its OTC listing and small market capitalization. Investors should conduct their own independent research and due diligence before investing in CRSB. Key valuation metrics, such as the negative P/E ratio and profit margin, suggest financial challenges. Growth considerations include the company's ability to expand its digital banking services, form strategic partnerships, and manage credit risk effectively. Further analysis is needed to assess the long-term investment potential of CRSB.
What are the main risks for CRSB?
Cornerstone Community Bancorp faces several risks, including the economic conditions in Northern California, which could impact loan performance and profitability. Increasing regulatory compliance costs could strain the bank's financial resources. Competition from larger national banks and credit unions could erode market share. Changes in interest rates could impact net interest margin and profitability. Furthermore, the company's negative profit margin and P/E ratio indicate financial challenges that need to be addressed. As an OTC stock, CRSB also faces risks related to liquidity and transparency.
What are the key factors to evaluate for CRSB?
Cornerstone Community Bancorp (CRSB) currently holds an AI score of 45/100, indicating low score. Key strength: Strong local market knowledge.. Primary risk to monitor: Potential: Economic downturn in Northern California could negatively impact loan performance and profitability.. This is not financial advice.
How frequently does CRSB data refresh on this page?
CRSB prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CRSB's recent stock price performance?
Recent price movement in Cornerstone Community Bancorp (CRSB) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local market knowledge.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider CRSB overvalued or undervalued right now?
Determining whether Cornerstone Community Bancorp (CRSB) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying CRSB?
Before investing in Cornerstone Community Bancorp (CRSB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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 due to OTC listing and small market capitalization.
- Financial data based on available public information.
- AI analysis pending for CRSB.