CNB Financial Corporation (CCNE) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

CCNE scores 66 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are: Fundamental Cash Engine at 10/20 (ROIC 7.6%; FCF yield 5.56%), Whale 13F Flow at 14/20 (institutional accumulation and options positioning), Insider Conviction at 16/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 13/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 4/9; Debt/Equity 0.5). The strongest pillar is insider conviction, which is the highest-scoring component. The weakest is the fundamental cash engine, where the rating cites a 7.6% ROIC and a 5.56% FCF yield as the basis for a 10/20 score. For a prospective investor, the rating points to a stock that the framework places in a neutral zone rather than a clear buy or sell, with the "watch for breakout" label indicating the framework sees potential for a move but has not confirmed one. Valuation context from the market data shows a trailing P/E of 16 against a forward P/E of 14.9, which implies expected earnings improvement if the forward estimate holds. The 52-week range of $23.78 to $36.17 places the current $35.61 price near the top of that band, so upside within the observed range is limited while a breakout would require trading above the prior high. Beta of 1.0 indicates market-level volatility sensitivity. These are analytical observations drawn from the rating and do not constitute personalized advice.

CNB Financial Corporation (CCNE) is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. The profile identifies a market capitalization of $1.1B.

Net income rose from $54.6M in FY 2024 to $66.1M in FY 2025, while free cash flow moved from $55.2M to $58.7M. Reported revenue and operating income are shown as — for all periods, so margin calculations are not possible from source data; gross, operating, and net margins are each listed as 0% in the market data, which does not reflect usable figures. ROIC is 7.6%, the Altman Z-Score is 2.5, and the Piotroski F-Score is 4 out of 9. Debt/Equity is cited as 0.5. Reported cash increased from $443.0M to $527.9M and debt is listed at $84.9M for FY 2025, against $84.6M in FY 2024.

• 🐂 Primary Bull Case: Net income climbed from $54.6M in FY 2024 to $66.1M in FY 2025 while the forward P/E of 14.9 sits below the trailing 16, pointing to expected earnings improvement. With Fundamental Cash Engine at 10/20 (ROIC 7.6%, FCF yield 5.56%) and Institutional Whale Flow at 14/20, sustained execution supports upside toward the top of the $23.78 – $36.17 52-week range.
• 🐻 Primary Bear Case: The stock trades at $35.61, near the top of its $23.78 to $36.17 52-week range, and the RQD framework rates the fundamental cash engine at only 10 of 20 points. Investors must weigh 16.0x trailing P/E against — operating margins and a 1.00 macro beta if sector demand softens.

The only sector context provided is the Financials / Major Banks classification and the beta of 1.0. A prospective investor should recognize that the supply-chain mapping cannot inform ripple analysis for this name based on the provided data.

• Key Question #1: What is the EV/EBITDA multiple, and how does it compare with peers in the Major Banks industry?
• Key Question #2: What do the Q3 earnings and the $87.8M revenue figure compare against, and what is the year-over-year trajectory?
• Key Question #3: What analyst consensus, price targets, and EPS estimates exist for CCNE?