Financial Survey: CNB Financial (CCNE) and Community Shores Bank (CSHB)

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CNB Financial (NASDAQ:CCNE) and Community Shores Bank (OTCMKTS:CSHB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, institutional ownership, earnings, profitability, risk, analyst recommendations and dividends.

Dividends

CNB Financial pays an annual dividend of $0.68 per share and has a dividend yield of 2.6%. Community Shores Bank does not pay a dividend. CNB Financial pays out 30.8% of its earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for CNB Financial and Community Shores Bank, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CNB Financial 0 1 1 0 2.50
Community Shores Bank 0 0 0 0 N/A

CNB Financial presently has a consensus target price of $35.00, indicating a potential upside of 32.68%. Given CNB Financial’s higher possible upside, research analysts clearly believe CNB Financial is more favorable than Community Shores Bank.

Volatility and Risk

CNB Financial has a beta of 0.85, suggesting that its stock price is 15% less volatile than the S&P 500. Comparatively, Community Shores Bank has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500.

Earnings & Valuation

This table compares CNB Financial and Community Shores Bank’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CNB Financial $152.59 million 2.64 $33.72 million $2.21 11.94
Community Shores Bank $8.94 million 1.17 -$980,000.00 N/A N/A

CNB Financial has higher revenue and earnings than Community Shores Bank.

Profitability

This table compares CNB Financial and Community Shores Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CNB Financial 22.10% 13.50% 1.12%
Community Shores Bank N/A N/A N/A

Institutional & Insider Ownership

43.9% of CNB Financial shares are owned by institutional investors. 4.2% of CNB Financial shares are owned by insiders. Comparatively, 39.7% of Community Shores Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

CNB Financial beats Community Shores Bank on 11 of the 13 factors compared between the two stocks.

About CNB Financial

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. It accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. The company also provides trust and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, it invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of February 13, 2018, the company operated 31 full-service offices in Pennsylvania and northeast Ohio; 7 full-service offices and 1 loan production office in central Ohio; and 3 full-service offices in northwest New York. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

About Community Shores Bank

Community Shores Bank Corporation operates as the holding company for Community Shores Bank, a community bank that provides various commercial and consumer banking services primarily in the communities of Muskegon County and Northern Ottawa County, Michigan. The company offers various deposit services, including checking and savings accounts, time deposits, certificates of deposit, and individual retirement accounts. Its loan portfolio comprises fixed rate and adjustable rates loans, construction loans and loans for condominiums; home equity loans; and construction permanent loans. The company also provides installment loans and credit lines, including automobile loans, boat loans, recreational vehicle loans, home improvement loans, personal loans, and personal lines of credit; credit cards; and business loans, such as small business lines of credit, term loans commercial real estate loans, letters of credit, and SBA loans. In addition, it offers electronic and mobile banking services; overdrafts; re-order checks, wire transfers, safe deposit boxes, notary services, ATM and one-time debit card overdraft opt-in, gift cards, and courier services; and investment products. The company serves individuals, businesses, schools, associations, churches, nonprofit organizations, financial institutions, and government authorities. Community Shores Bank Corporation was founded in 1998 and is based in Muskegon, Michigan.

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