Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CNB Community BancorpCNBB 59 ROA % is 0.95% as of Jun. 2026, which is 10% below its 10-year median of 1.05. GuruFocus rates CNBB with a GF Score™ of 59/100 and a GF Value™ of $48.63 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, CNB Community Bancorp ranks worse than 53.89% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. CNB Community Bancorp's annualizedNet Income for the quarter that ended in Jun. 2026 was $12.75 Mil.
CNB Community Bancorp's average Total Assets over the quarter that ended in Jun. 2026 was $1,348.24 Mil. Therefore, CNB Community Bancorp's annualized ROA % for the quarter that ended in Jun. 2026 was 0.95%.
The historical rank and industry rank for CNB Community Bancorp's ROA % or its related term are showing as below:
CNBB'
s ROA % Range Over the Past 10 Years
Min: 0.88 Med: 1.05 Max: 1.32
Current: 0.94
During the past 9 years, CNB Community Bancorp's highest ROA % was 1.32%. The lowest was 0.88%. And the median was 1.05%.
CNBB's ROA % is ranked worse than 53.89% of 1529
companies
in the Banks industry
Industry Median: 1
vs CNBB: 0.94
CNB Community Bancorp (OTCPK:CNBB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, CNB Community Bancorp's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNB Community Bancorp ROA % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Community Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where CNB Community Bancorp's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
CNB Community Bancorp (CNBB) has a ROA % of 0.95% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on CNB Community Bancorp and its competitors. This is 10% below median its historical median of 1.05. Over the past decade, CNB Community Bancorp's ROA % has ranged from 0.88 to 1.32. According to the industry distribution chart, CNB Community Bancorp ranks #824 out of 1529 companies in the Banks industry, placing it in the top 53.9%.
Is CNB Community Bancorp's ROA % too high?
CNB Community Bancorp's current ROA % of 0.95% is 10% below median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 1.32. The Banks industry median ROA % is 1.00. CNB Community Bancorp's value of 0.95% is 5% below this industry median. Based on the distribution chart, CNB Community Bancorp ranks #824 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, CNB Community Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNB Community Bancorp's ROA % compare to AUBN and BYLB?
According to the Banks industry distribution chart, CNB Community Bancorp ranks #824 out of 1529 companies for ROA %. This places CNB Community Bancorp in the lower half of its industry. The industry median ROA % is 1.00. CNB Community Bancorp's value of 0.95% is 5% below this benchmark. Historically, CNB Community Bancorp's own ROA % has ranged from 0.88 to 1.32 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 1.00, CNB Community Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 1.00, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Community Bancorp's current ROA % of 0.95% is 5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on CNB Community Bancorp and its competitors. For the Banks industry, the median ROA % is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Community Bancorp's current ROA % is 0.95%, which is 10% below median its own 10-year median of 1.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Community Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CNB Community Bancorp (CNBB) is currently considered Fairly Valued. The stock's GF Value™ is $48.63, compared to a current price of $51.00 — trading 4.9% above its estimated fair value. The current ROA % is 0.95%, which is 10% below median its 10-year median of 1.05 and 5% below the Banks industry median of 1.00. CNB Community Bancorp's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For CNB Community Bancorp (CNBB), the current ROA % is 0.95% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CNB Community Bancorp (CNBB) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Community Bancorp stock appears to be overvalued.
The current stock price of $51.00 is trading 4.9% above its estimated GF Value™ of $48.63.
GuruFocus considers CNB Community Bancorp to be Fairly Valued.
Key valuation signals for CNBB:
ROA %: 0.95% (10% below median its 10-year median of 1.05)
GF Value™: $48.63 vs. price of $51.00 (4.9% above fair value)
Industry Position: 5% below the Banks median (#824 of 1529)
No single metric tells the full story. See the CNBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Community Bancorp Inc is a United States based bank holding company of County National Bank. The bank engaged in offering personal banking and business banking services. It provides checking accounts services, savings accounts services, loans, mortgages, Certificate of deposit, debit card and credit cards, among other services. In addition, the bank is also involved in the Trust and Investment activities.
59GF Score
Get the complete analysis for CNBB
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CNBB has been successfully added to your 
