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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)

CNB Financial Corporation (CCNE) carries a Roarable Rating of C+ (Hold) with 67/100 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.

ROARABLE C+ • HOLD / WATCH Cap $1.05B

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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 B

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CCNE)Realized 20D OHLCV Swing Band: ±3.8%

RSI-14 MOMENTUMBULLISH MOMENTUM

63.530 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: B-RQD 28 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 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 (73)

28/40 institutional & smart-money positioning score with 16/20 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

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

CCNE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.22%⚡ TESTING RESISTANCE

2026-10-30O $35.88H $35.88L $35.28C $35.61VOL 184.1K

RES: $36.01SUP: $32.70SMA50: $34.18SMA200: $31.73

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 #252 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 #252 by composite RQD confidence (67/100, 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 69/100 (C+) compared with CCNE at 67/100 (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+	67/100	16.0x	—	7.6%	+0.56%	$1.05B	Benchmark Subject
MBWM Mercantile Bank Corporation	D+	58/100	11.8x	—	12.2%	+0.53%	$1.05B	/mbwm-vs-ccne →
MCBS MetroCity Bankshares Inc.	C	65/100	15.1x	—	12.6%	+0.59%	$1.04B	/mcbs-vs-ccne →
BFST Business First Bancshares Inc.	C+	69/100	11.8x	—	9.8%	+0.41%	$1.03B	/bfst-vs-ccne →
HBNC Horizon Bancorp Inc.	D+	58/100	—	—	-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?

As of 2026-11-01, CNB Financial Corporation (NASDAQ: CCNE) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 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 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CCNE ranks #252 in composite RQD confidence.

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

Within the Financials sector (Major Banks), CCNE carries a Roarable C+ (67/100 RQD), trailing P/E of 16.0x, gross margin of —, and ROIC of 7.6%. By comparison, MBWM (Mercantile Bank Corporation) holds a D+ grade (58/100 RQD, P/E 11.8x, ROIC 12.2%, cap $1.05B) and MCBS (MetroCity Bankshares Inc.) posts a C grade (65/100 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).

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

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.

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 +4.18% above its 50-day simple moving average ($34.18) and +12.23% above its 200-day simple moving average ($31.73). Across its 52-week range of $23.78 to $36.17, CCNE sits at the 95.5% percentile with a 14-day RSI of 63.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.8% ($34.26 to $36.96).

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 67/100 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 $37.05 (range $28.9 to $43.72), 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