Cornerstone Bancorp

CNBP

Banks - Regional · Financial Services

Price

$119.99

+0.00 (+0.00%)

Market Cap

$118.2M

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Based on the IPO prospectus (annual filing). This score will refine automatically once the company reports its first quarters.

Share count falling — buybacks

−1.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 995K (2021) → 984K (2025)

Cornerstone Bancorp Inc. is a small regional bank holding company based in the United States. It offers everyday banking services like checking and savings accounts, loans, and mortgages, mainly to individuals and small businesses in its local communities. Regional banks like Cornerstone focus on serving customers in a specific geographic area rather than competing nationally.

The company makes money primarily through net interest income, which means it earns more on the loans it gives out than it pays on deposits. With a market cap of around $100 million, it is a very small bank, and its competitive position depends heavily on local relationships and community trust rather than scale or technology. The main risk for a bank this size is that rising interest rates, loan defaults, or competition from larger banks and fintech companies could pressure its profit margins and limit its ability to grow.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-100.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+37.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$0 cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Cornerstone Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

70.1%

Premium pricing power — 70.1% gross margin

Operating Margin

23.9%

Excellent — 23.9% operating margin

ROCE

14.1%

Good — 14.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+2.1%

Nearly flat sales (2.1% YoY)

EPS YoY

+9.8%

Earnings growing (9.8% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

N/A

Data not available

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Cash Flow

Cash Conversion

97%

Turns 97% of profit into real cash

FCF Margin

17.0%

Converts sales into free cash efficiently (17.0%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.11

Conservative — low debt load (0.11)

Interest Cover

0.80x

—

Dangerous — barely covers interest (0.8x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

22.9x

Growth-priced — P/E 22.9

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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