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CNB Financial Corporation (CCNE) — RQD Stock Rating Cockpit

$35.61 +0.56% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.58

CNB Financial Corporation (CCNE) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.05B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CCNE Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CCNE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, CNB Financial Corporation (NASDAQ: CCNE) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $35.61 (+0.56% 1D, market cap $1.05B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CCNE ranks #254 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CCNE compare to MBWM and MCBS in the Financials sector?

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Within the Financials sector (Major Banks), CCNE carries a Roarable C+ (66/100 RQD), trailing P/E of 16.0x, gross margin of —, and ROIC of 7.6%. By comparison, MBWM (Mercantile Bank Corporation) holds a C- grade (59/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.05B) and MCBS (MetroCity Bankshares Inc.) posts a C grade (62/100 RQD, P/E 15.1x, ROIC 12.6%, cap $1.04B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CCNE?

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Per CCNE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000736772), CNB Financial Corporation generated $0 in revenue, $66.1M in net income, and $58.7M in free cash flow against $8.40B in total assets and $84.9M in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $35.58 (-0.09%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CCNE)Realized 20D OHLCV Swing Band: ±3.7%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY CCNE SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±3.7% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$33.72+0.8% Next Q

Q2 (-2Q)

Grade C$33.99+4.6% Next Q

Q3 (-1Q)

Grade C+$35.55+0.2% Next Q

Current

Grade C+$35.61+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CCNE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, CCNE faces multiple-compression risk if 16.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.22) or 200D SMA ($31.77) invalidates the momentum regime and cuts Target Base ($36.89) toward Bear Floor ($28.77).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CCNE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CCNE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

65.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE95% OF RANGE

L: $24$35.61H: $36

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on CCNE

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

7.6% ROIC with 42.0% gross margin and 5.56% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

30/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like CCNE

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CCNE Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CCNE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.76%⚡ TESTING RESISTANCE

2026-11-02O $35.41H $35.61L $35.41C $35.61VOL 138.1K

RES: $36.13SUP: $32.70SMA50: $34.22SMA200: $31.77

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CCNE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CCNE Butterfly Map → + Track CCNE →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CCNE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CCNE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CCNE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CCNE)

Financials Rank #254 of 1096 ⚔️ MBWM vs CCNE Full Matrix →

1. Head-to-Head Financials Peer Comparison (CCNE vs. MBWM, MCBS, BFST, HBNC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, CNB Financial Corporation (CCNE) ranks #254 by composite RQD confidence (66/100, grade C+) and #542 by equity capitalization ($1.05B). Within this direct 5-issuer industry benchmark cohort, MBWM leads on earnings valuation at 11.8x trailing P/E, while MCBS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. BFST currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with CCNE at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CCNE ACTIVE CNB Financial Corporation	C+	66/100	16.0x	—	7.6%	+0.56%	$1.05B	Benchmark Subject
MBWM Mercantile Bank Corporation	C-	59/100	11.8x	—	12.2%	+0.53%	$1.05B	/mbwm-vs-ccne →
MCBS MetroCity Bankshares Inc.	C	62/100	15.1x	—	12.6%	+0.59%	$1.04B	/mcbs-vs-ccne →
BFST Business First Bancshares Inc.	B-	70/100	11.8x	—	9.8%	+0.41%	$1.03B	/bfst-vs-ccne →
HBNC Horizon Bancorp Inc.	D+	57/100	—	—	-21.9%	+1.45%	$1.08B	/hbnc-vs-ccne →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000736772

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CNB Financial Corporation (CCNE) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $66.1M, operating cash flow of $65.0M, and free cash flow of $58.7M (+6.2% YoY). On the balance sheet, CCNE closed FY2025 with $8.40B in total assets against $84.9M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$66.1M	$65.0M	$58.7M	$8.40B	$84.9M
FY2024 (FY)	2024-12-31	$0	$54.6M	$71.5M	$55.2M	$6.19B	$84.6M
FY2023 (FY)	2023-12-31	$0	$58.0M	$47.0M	$47.0M	—	—

3. CCNE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CCNE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CCNE compare to MBWM and MCBS in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CCNE?

Where is CCNE trading relative to its 50-day, 200-day, and 52-week technical levels?

CCNE last traded at $35.61 (+0.56% on volume of 138,052 shares), positioning the stock +4.06% above its 50-day simple moving average ($34.22) and +12.09% above its 200-day simple moving average ($31.77). Across its 52-week range of $23.78 to $36.17, CCNE sits at the 95.5% percentile with a 14-day RSI of 65.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.7% ($34.29 to $36.93).

CCNE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CCNE stock right now?

CNB Financial Corporation (CCNE) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (8% return on capital), mixed timing at 16x P/E—hold if owned, no rush to chase.

What is CCNE's 12-month price target and RQD AI Jury consensus?

CCNE's 12-month base price target is $36.89 (range $28.77 to $43.53), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CCNE RQD Cockpit CCNE 12M Forecast CCNE Earnings & Move CCNE Dividends & DRIP CCNE Insiders & 13F CCNE Whale Options CCNE Profit Sankey CCNE News & Why