CoBank, ACB (CKNQP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CoBank, ACB (CKNQP) trades at $100.00 with AI Score 52/100 (Grade B). CoBank, ACB is a cooperative bank providing financial services to agricultural and rural sectors in the United States. Market cap: $3.24B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for CKNQP: CKNQP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CKNQP against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CKNQP: 1/3 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
CoBank, ACB (CKNQP) Financial Services Profile
CoBank, ACB, established in 1916, is a cooperative bank focused on providing financial solutions to agricultural and rural sectors in the United States. Operating through three segments, it offers diverse loan products, lease financing, and capital market services, supporting agricultural cooperatives, rural infrastructure, and related businesses with a high profit margin of 63.4%.
What Is the Investment Thesis for CKNQP?
CoBank, ACB presents a unique investment opportunity within the financial services sector, specifically targeting the agricultural and rural markets. With a P/E ratio of 2.88 and a high profit margin of 63.4%, the bank demonstrates strong profitability. Key value drivers include its cooperative structure, which aligns interests with its customer base, and its diversified service offerings across the agribusiness, farm credit, and rural infrastructure sectors. Growth catalysts include the increasing demand for agricultural financing and infrastructure development in rural areas. Potential risks include fluctuations in commodity prices and interest rate volatility, which could impact loan performance and profitability. Investors should monitor these factors to assess the long-term sustainability of CoBank's financial performance. The company's beta of 0.09 suggests low volatility compared to the broader market.
Based on FMP financials and quantitative analysis
CKNQP Key Highlights
CoBank, ACB operates with a high profit margin of 63.4%, indicating efficient operations and strong profitability.
- The company's gross margin is 100.0%, reflecting its ability to manage costs effectively.
- CoBank's P/E ratio is 2.88, potentially indicating an undervalued stock relative to its earnings.
- The company has a low beta of 0.09, suggesting lower volatility compared to the overall market.
- CoBank serves a diverse range of clients, including agricultural cooperatives, food and agribusiness companies, and rural infrastructure providers.
Who Are CKNQP's Competitors?
CKNQP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BKQNF Bank of Queensland Limited | $3.91 | +0.00% | $2.57B | 60 |
| BOFKF The Bank of Kyoto, Ltd. | $43.50 | +0.00% | $3.23B | 48 |
| CBBYF Virgin Money UK PLC | $2.20 | +0.00% | $3.54B | 48 |
| CSGKF Credit Suisse Group AG | $0.89 | +0.00% | $3.51B | 51 |
| CVBF CVB Financial Corp. | $22.52 | -0.04% | $3.23B | 97 |
| PFS Provident Financial Services, Inc. | $23.70 | -3.11% | $3.09B | 92 |
| TRMK Trustmark Corporation | $46.58 | +0.15% | $2.73B | 96 |
| NBTB NBT Bancorp Inc. | $51.88 | +0.25% | $2.70B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CKNQP's Key Strengths?
Strong profitability with a high profit margin.
- Cooperative structure aligns interests with customers.
- Diversified service offerings across multiple sectors.
- Long-standing relationships with agricultural cooperatives.
What Are CKNQP's Weaknesses?
Reliance on agricultural and rural markets.
- Exposure to commodity price fluctuations.
- Dependence on interest rate environment.
- Limited geographic diversification.
What Could Drive CKNQP Stock Higher?
Increasing demand for agricultural financing.
- Expansion of rural infrastructure development.
- Growing adoption of sustainable agricultural practices.
- Potential strategic acquisitions and partnerships.
- Implementation of digital banking solutions.
What Are the Key Risks for CKNQP?
Financial-distress signal — its Altman Z-Score of 0.08 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in the agricultural sector.
- Fluctuations in commodity prices.
- Interest rate volatility.
- Increased competition from other financial institutions.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for CKNQP?
- Expansion of Rural Infrastructure Financing: There is a growing need for infrastructure development in rural areas, including water, energy, and communication systems. CoBank can capitalize on this demand by expanding its financing solutions for rural infrastructure projects. The market size for rural infrastructure is estimated to reach $100 billion by 2030, presenting a significant growth opportunity for CoBank. This expansion can be achieved through strategic partnerships with rural cooperatives and government agencies.
- Increased Focus on Sustainable Agriculture: As environmental concerns grow, there is increasing demand for sustainable agricultural practices. CoBank can support this trend by offering specialized financing for sustainable farming initiatives, such as organic farming and precision agriculture. The market for sustainable agriculture is projected to reach $200 billion by 2028, providing a substantial growth opportunity. CoBank can leverage its expertise in agricultural financing to capture a significant share of this market.
- Digital Transformation of Banking Services: The adoption of digital technologies is transforming the banking industry. CoBank can enhance its competitiveness by investing in digital banking platforms and mobile solutions to improve customer experience and operational efficiency. The market for digital banking is expected to reach $1 trillion by 2027. By embracing digital transformation, CoBank can attract new customers and retain existing ones.
- Strategic Acquisitions and Partnerships: CoBank can pursue strategic acquisitions and partnerships to expand its market reach and service offerings. This includes acquiring smaller regional banks or partnering with fintech companies to offer innovative financial solutions. These strategic moves can help CoBank strengthen its competitive position and drive long-term growth.
- Diversification into Renewable Energy Financing: The demand for renewable energy is growing rapidly, driven by environmental concerns and government incentives. CoBank can diversify its portfolio by offering financing for renewable energy projects in rural areas, such as solar and wind farms. The market for renewable energy financing is expected to reach $300 billion by 2026. This diversification can help CoBank reduce its reliance on traditional agricultural financing and tap into a high-growth market.
What Are CKNQP's Competitive Advantages?
- Cooperative structure aligns interests with customers.
- Specialized expertise in agricultural and rural financing.
- Long-standing relationships with agricultural cooperatives.
- Diversified service offerings across multiple sectors.
- Ownership of mineral interests provides additional revenue stream.
What Does CKNQP Do?
CoBank, ACB, founded in 1916, is a cooperative bank headquartered in Greenwood Village, Colorado. It provides a comprehensive suite of financial products and services tailored to the needs of agricultural and rural communities across the United States. The bank operates through three primary segments: Agribusiness, Farm Credit Banking, and Rural Infrastructure. These segments enable CoBank to serve a diverse clientele, including agricultural cooperatives, food and agribusiness companies, and rural infrastructure providers. CoBank's offerings include a variety of loan products, such as intermediate- and long-term loans, revolving term loans, and short-term lines of credit. These loans support various activities, including construction, acquisitions, and general working capital needs. The bank also provides lease financing for agricultural production and forestry equipment, as well as equipment used in grain, feed, fertilizer, and seed handling. In addition to lending and leasing, CoBank offers trade finance products, including letters of credit and documentary collections, and capital market services, such as debt capital raising and secondary market trading. The bank also provides cash management services, including online and mobile banking solutions. CoBank further diversifies its assets by owning and leasing mineral interests in several states, including Arizona, California, and Colorado.
What Products and Services Does CKNQP Offer?
- Provides financial products and services to agricultural cooperatives.
- Offers loan products, including intermediate- and long-term loans.
- Provides lease financing for agricultural and forestry equipment.
- Offers trade finance products, such as letters of credit.
- Provides capital market services, including debt capital raising.
- Provides cash management services, including online banking.
- Owns and leases mineral interests.
How Does CKNQP Make Money?
- Generates revenue through interest income from loans.
- Earns fees from lease financing and related services.
- Provides capital market services for a fee.
- Generates revenue from trade finance products.
- Earns income from mineral interests.
What Industry Does CKNQP Operate In?
CoBank, ACB operates within the regional banking sector, focusing specifically on the agricultural and rural markets. The industry is influenced by factors such as commodity prices, interest rates, and government policies related to agriculture and rural development. The competitive landscape includes other farm credit institutions and regional banks, such as BKQNF and BOFKF, that also provide financial services to the agricultural sector. CoBank differentiates itself through its cooperative structure and specialized expertise in serving the unique needs of agricultural and rural communities.
Who Are CKNQP's Key Customers?
- Agricultural cooperatives
- Food and agribusiness companies
- Rural power, communications, and water cooperatives
- Rural community facilities
- Farmer-owned financial institutions
CoBank, ACB Financial Trajectory
CoBank, ACB (CKNQP) reported $612.0M in revenue for Q2 2024, a decline of 0.8% compared to the prior quarter. The company recorded net income of $390.0M, with diluted EPS of $9.52.
Company Profile
CoBank, ACB operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Greenwood Village, US. The company is led by CEO Thomas E. Halverson. CKNQP has traded publicly since 2016.
How CoBank, ACB Is Valued
CoBank, ACB carries a market capitalization of $3.24B, placing it in the mid-cap category. Relative to its peer group, CKNQP's quantitative score of 52/100 is roughly in line with the peer average of 61/100.
Key Financial Metrics
Return on equity for CoBank, ACB stands at 13.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.7%, showing how much profit it generates from its asset base. CKNQP trades at a trailing price-to-earnings ratio of 2.88, below the Financial Services sector average of ~18x. Its free cash flow yield is 56.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 4.03 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 34.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
CoBank, ACB's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.08 places it in the distress zone, a signal of elevated financial risk.
CKNQP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong profitability with a high profit margin.
- Cooperative structure aligns interests with customers.
- Diversified service offerings across multiple sectors.
- Long-standing relationships with agricultural cooperatives.
Bear Case
- Reliance on agricultural and rural markets.
- Exposure to commodity price fluctuations.
- Dependence on interest rate environment.
- Limited geographic diversification.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2024 | $612M | $390M | $9.52 |
| Q1 2024 | $617M | $414M | $10.19 |
Based on FMP financials and quantitative analysis
CKNQP Latest News
No recent news available for CKNQP.
CKNQP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CKNQP.
Price Targets
Wall Street price target analysis for CKNQP.
CKNQP MoonshotScore
What does this score mean?
The MoonshotScore rates CKNQP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Thomas E. Halverson
CEO
Thomas E. Halverson serves as the CEO of CoBank, ACB, leading a workforce of 1199 employees. His extensive background in the financial services sector, particularly in agricultural lending, has been instrumental in shaping CoBank's strategic direction. Halverson's expertise encompasses risk management, financial planning, and cooperative governance. His leadership is focused on enhancing CoBank's role in supporting rural communities and agricultural businesses across the United States. He has a deep understanding of the unique challenges and opportunities within the agricultural sector.
Track Record: Under Thomas E. Halverson's leadership, CoBank, ACB has maintained a strong financial performance, with a high profit margin of 63.4%. He has overseen the expansion of CoBank's services to support sustainable agriculture and rural infrastructure development. Halverson has also focused on enhancing the bank's digital capabilities to improve customer experience and operational efficiency. His strategic decisions have contributed to CoBank's continued success in serving the agricultural and rural markets.
CKNQP OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that CoBank, ACB may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure
- Lower liquidity and wider bid-ask spreads
- Potential for price volatility
- Higher risk of fraud or manipulation
- Limited regulatory oversight
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any regulatory actions or legal disputes involving the company.
- Monitor trading volume and price volatility.
- Consult with a financial advisor before investing.
- Established history dating back to 1916.
- Focus on serving agricultural and rural communities.
- Operation as a cooperative bank.
- Managing 1199 employees.
CoBank, ACB Financial Services Stock: Key Questions Answered
What does the AI Score mean for CKNQP?
CKNQP holds an AI Score of 52/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. CoBank, ACB is a cooperative bank providing financial services to agricultural and rural sectors in the United States. With a history dating back to 1916, it operates through Agribusiness, Farm …
What does CoBank, ACB do?
CoBank, ACB is a cooperative bank that provides financial products and services to agricultural and rural communities in the United States. It operates through three segments: Agribusiness, Farm Credit Banking, and Rural Infrastructure.
What do analysts say about CKNQP stock?
As of March 16, 2026, formal analyst ratings for CKNQP are limited due to its OTC Other listing. However, key valuation metrics include a P/E ratio of 2.88 and a high profit margin of 63.4%. Growth considerations revolve around CoBank's ability to capitalize on increasing demand for agricultural financing and rural infrastructure development.
What are the main risks for CKNQP?
The main risks for CoBank, ACB include economic downturns in the agricultural sector, fluctuations in commodity prices, and interest rate volatility. As an OTC-listed stock, CKNQP also faces risks related to limited liquidity, potential price volatility, and less stringent regulatory oversight compared to exchange-listed companies. Investors should carefully consider these risks and conduct thorough due diligence before investing in CKNQP.
What are the key factors to evaluate for CKNQP?
CoBank, ACB (CKNQP) holds an AI score of 52/100 (moderate). CoBank, ACB presents a unique investment opportunity within the financial services sector, specifically targeting the agricultural and rural markets. Not financial advice.
How frequently does CKNQP data refresh on this page?
CKNQP's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CKNQP's recent stock price performance?
CoBank, ACB (CKNQP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profitability with a high profit margin. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CKNQP overvalued or undervalued right now?
CoBank, ACB (CKNQP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CKNQP before investing?
Before investing in CoBank, ACB (CKNQP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available sources and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis is pending and may provide further insights.