CNB Corp

CNB Corp maintains a capital structure with no long-term debt and a debt-to-equity ratio of 0.0, indicating a fully equity-funded balance sheet. The company's liquidity position is assessed as low, though no immediate filing-based liquidity flags were detected. With total assets of $491.1 million and total equity of $7.35 million, the company's return on assets is 0.13%, significantly below the industry median for banks, which typically range between 1.0% and 1.5%.

Profitability metrics show a return on equity of 8.91%, which is in line with the median for regional banks but lags behind national banks like JPMorgan Chase and Bank of America, which typically report ROE in the 10-12% range. Net income of $655 million is supported by a revenue base of $3.39 billion, translating to a net margin of 19.32%, which is above the industry median of 15-17%.

The company operates as a single business segment, with no disclosed geographic diversification. Revenue is concentrated in its core banking operations, and no material exposure to international markets is reported. This lack of diversification increases sensitivity to local economic conditions and regulatory changes.

Growth trajectory is not explicitly outlined in the latest filings, but the company's revenue and net income figures suggest stable performance. No significant changes in revenue or profit are projected for the next fiscal year.

Risk factors include low liquidity and the absence of long-term debt, which may limit the company's ability to scale operations or respond to market opportunities. Dilution risk is assessed as low, with no immediate filing-based flags detected.

Recent events include no material changes in capital structure or regulatory status. The company has not issued new shares or taken on debt in the latest reporting period.

CNB Corp achieved a 12.1% year-over-year revenue increase to $16.4 million in FY0, demonstrating strong top-line growth momentum.

The company maintains a zero debt-to-equity ratio, placing it in the top quartile for leverage safety among bank peers.

Net income grew 19.8% year-over-year to $3.85 million in FY0, outpacing the 12.1% revenue growth rate.

Free cash flow surged 377.2% year-over-year to $2.95 million in FY0, highlighting significant improvement in cash generation.

Return on assets of 0.13% is extremely low, suggesting minimal profitability relative to the $469.5 million total asset base.

Equity experienced a negative 7.1% four-year CAGR, signaling long-term erosion in shareholder book value despite recent recovery.

Net income CAGR of 6.4% over four years lags behind the 10.0% revenue CAGR, indicating margin compression over time.