CNB COMMUNITY BANCORP (CNBB)

Sunday

10:09 PM

Thesis: Recent increases in loan demand and improved credit quality signal a strengthening operational environment for CNB, enhancing investor confidence.

Revenue Outlook

Metric	FY2024	FY2025
Revenue	$74M	$78M
Rev. Growth	+15.9%	+6.3%
EPS	$5.42	$5.88
EPS Growth	+10.4%	+8.5%
P/E	9.5×	8.8×

What’s Driving the Stock

1Increased loan applications by 15% YoY indicate strong demand for mortgages and commercial loans.
2Improved credit quality with a reduction in non-performing loans to 1.5% of total loans, down from 2.0%.
3Expansion of digital banking services expected to enhance customer acquisition by 20%.
4Potential merger discussions with a local competitor could create synergies and expand market share.
5Digital banking transformation
6Community-focused financial services
7Changes in the Federal Funds Rate impacting net interest margins
8Local economic conditions affecting loan demand and credit quality

FY2025 Snapshot

Revenue: $78M
Rev. Growth: +6.3%
Gross Margin: 66.9%
Op. Margin: 19.0%
Net Margin: 15.2%
Net Income: $12M
NI Growth: +3.2%
EPS: $5.88
1Y Return: +25.9%

CNBB Chart

My Notes

"Management noted, 'We are seeing unprecedented demand for our lending products, which positions us well for future growth.'"
Moat: CNB's strong community ties and local focus provide a durable competitive advantage against larger, less personalized banks.
value - Investors may be attracted to CNB for its solid fundamentals and potential for steady growth in a stable regional market.
Rising interest rates typically enhance CNB's net interest margins, allowing it to earn more from loans relative to its cost of funds…
Watch on earnings: Federal Funds Rate, Local unemployment rate, Loan growth rate.

One Sentence Summary:

CNB Community Bancorp: the setup is constructive — increased loan applications by 15% yoy indicate strong demand for mortgages and commercial loans.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

Writing up the research note…

First read for a new ticker takes about 20–30 seconds while we build the analysis from the latest fundamentals, estimates, and intelligence. It's saved after this, so future visits are instant.

Explore More

S&P 500 Screener

Filter and sort all 500 stocks

Market Movers

Today's biggest gainers and losers

Market Heatmap

Visual sector performance