CNB Financial Corporation — Earnings Quality Grade C
CCNE · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 24.8% but CFFO declined -9.1%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -61.1% vs revenue 24.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.98. Profits backed by cash
FCF $0.1B, FCF/NI = 0.89
Accruals ratio = 0.0%. Low accruals
Cash $0.5B covers debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 14% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 175% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor CCNE continuously
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Altman Z-Score — Not Applicable
CNB Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25