Stock fact sheet · data as of
Canandaigua National Corporation (CNND): fair value, margin of safety and Wheel Score
Financial Services · Banks · United States · High Yield Income
Is CNND undervalued?
CNND has a margin of safety of 62%: the stock closed at 220.00 on 16 Oct 2026 against a GLS average fair value of 582.91. 8 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between DDM (158.91) and Payback Time (1,110.61). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files CNND under High Yield Income: a dividend yield above 4%.
Nine valuation models for CNND
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 523.68 | +138% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 410.62 | +87% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 765.40 | +248% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 255.00 | +16% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 666.45 | +203% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 998.90 | +354% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 1,110.61 | +405% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 158.91 | -28% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 356.59 | +62% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -2,646.98 | -1303% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Canandaigua National Corporation scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability CNND scores 7.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 6.5%, ROE 13.7%, ROA 1.1% - with debt at 1.13 times equity and a free-cash-flow yield of 17.7%.
The dividend yield is high at 4.91% (payout ratio 30%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 6.5% |
|---|---|---|---|
| GLS Moat | 7.4 / 10 | ROE | 13.7% |
| Debt / equity | 1.13 | ROA | 1.1% |
| Free-cash-flow yield | 17.7% | Payout ratio | 30% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Canandaigua National Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at - a day on a market cap of $403M, with a beta of -0.21 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 62% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 11 / 15 | moat 7.4/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $403M cap, beta -0.21 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CNND in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks
The 12 companies below are the closest to Canandaigua National Corporation by market cap within the Banks industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ALPIB Alpine Banks of Colorado | 48.25 | 69.00 | +30% | 39No options | $395M |
| FBAK First National Bank Alaska | 323.00 | 444.68 | +27% | 39No options | $1.0B |
| HARL Harleysville Financial Corporation | 33.40 | 42.11 | +21% | 39No options | $119M |
| FBVI FCN Banc Corp. | 37.00 | 52.00 | +29% | 39No options | $64M |
| LOGN Logansport Financial Corp. | 37.00 | 32.02 | -16% | 27No options | $23M |
| GVFF Greenville Federal Financial Corporation | 7.50 | 3.51 | -114% | 22No options | $15M |
| ITUB Itaú Unibanco Holding S.A. | 9.50 | 42.89 | +78% | 83Prime | $104.7B |
| FSCHX Fidelity Select Chemical Pt | 13.64 | 5.92 | -131% | 18No options | $402M |
| MEFIX ClearBridge Emerging Markets Fund - Class FI | 19.12 | 0.8592 | -2125% | 16No options | $402M |
| SAV Saratoga Investment Corp 7.50% | 24.79 | 47.82 | +48% | 31No options | $401M |
| USCB USCB Financial Holdings, Inc. | 21.95 | 37.31 | +41% | 39No options | $406M |
| CPTNX American Century Government Bond Investor Class | 8.99 | 10.35 | +13% | 39No options | $406M |
⚖ Compare CNND with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CNND
Is CNND undervalued right now?
By the GLS models, yes: at 220.00 the stock is 62% below the average fair value of 582.91 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CNND and what does it mean?
CNND has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CNND?
582.91 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Canandaigua National Corporation report earnings next?
No upcoming earnings date is recorded for CNND in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CNND have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CNND, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.