CCNE CNB Financial Corporation
Banks, Insurers & Asset Managers
B- 65.8 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
C- 51

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 64.1%
  • Efficiency Ratio Trend -0.03 pp/yr

Capital Efficiency

Weight: 15%
D+ 40
  • 5yr Avg ROE 10.3%
  • 5yr Share-Count CAGR 7.9%

Growth Quality

Weight: 15%
A- 81

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 16.1%
  • Efficiency Ratio Trend (growth quality check) -0.03 pp/yr
  • Revenue-Growth Years (5) 5/5

Cash Generation

Weight: 15%
A- 81

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.02

Balance Sheet

Weight: 20%
A- 81

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 10.4%

Stability

Weight: 10%
B- 66
  • EPS Volatility (σ/μ) 0.27
  • Negative-Revenue Years (5) 0/5
  • Piotroski F-Score 4

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Holding

1 of 1 gurus held; 1 new buy.

Holders
1
Avg Δ position
—
New buys
1
Full exits
0
As of Q2 2025