26.17 USD
+0.17 (+0.65%)
26.17 USD
0 (0%)
Taking everything into account, CCNE scores 4 out of 10 in our fundamental rating. CCNE was compared to 387 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE is not priced too expensively while it is growing strongly. Keep and eye on this one! CCNE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CCNE had positive earnings in the past year.
In the past year CCNE had a positive cash flow from operations.
In the past 5 years CCNE has always been profitable.
CCNE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CCNE has a Return On Assets of 0.52%. This is in the lower half of the industry: CCNE underperforms 75.97% of its industry peers.
Looking at the Return On Equity, with a value of 5.08%, CCNE is doing worse than 77.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 5.08% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)0.89%
ROE(3y)9.53%
ROE(5y)9.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CCNE (16.82%) is worse than 72.35% of its industry peers.
In the last couple of years the Profit Margin of CCNE has declined.
The Operating Margin and Gross Margin are not available for CCNE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.82% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.19%
PM growth 5Y-4.73%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CCNE has been increased compared to 1 year ago.
The number of shares outstanding for CCNE has been increased compared to 5 years ago.
Compared to 1 year ago, CCNE has a worse debt to assets ratio.
2.2 Solvency
CCNE has a debt to FCF ratio of 5.92. This is a neutral value as CCNE would need 5.92 years to pay back of all of its debts.
CCNE's Debt to FCF ratio of 5.92 is on the low side compared to the rest of the industry. CCNE is outperformed by 74.16% of its industry peers.
A Debt/Equity ratio of 0.36 indicates that CCNE is not too dependend on debt financing.
CCNE's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. CCNE is outperformed by 71.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.53% over the past year.
CCNE shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.98% yearly.
The Revenue has grown by 13.90% in the past year. This is quite good.
CCNE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.77% yearly.
EPS 1Y (TTM)14.53%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%34.43%
Revenue 1Y (TTM)13.9%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%41.37%
3.2 Future
The Earnings Per Share is expected to grow by 22.21% on average over the next years. This is a very strong growth
CCNE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.07% yearly.
EPS Next Y19.64%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
EPS Next 5YN/A
Revenue Next Year28.94%
Revenue Next 2Y28.31%
Revenue Next 3Y21.07%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CCNE is valuated reasonably with a Price/Earnings ratio of 9.76.
Based on the Price/Earnings ratio, CCNE is valued a bit cheaper than 79.59% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.15. CCNE is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.21, which indicates a rather cheap valuation of CCNE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCNE indicates a rather cheap valuation: CCNE is cheaper than 90.44% of the companies listed in the same industry.
CCNE is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 7.21 |
4.2 Price Multiples
63.57% of the companies in the same industry are cheaper than CCNE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.97 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CCNE's earnings are expected to grow with 22.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.5
PEG (5Y)N/A
EPS Next 2Y23.53%
EPS Next 3Y22.21%
5. Dividend
5.1 Amount
CCNE has a Yearly Dividend Yield of 2.98%.
CCNE's Dividend Yield is comparable with the industry average which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.41, CCNE pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
5.2 History
On average, the dividend of CCNE grows each year by 6.12%, which is quite nice.
CCNE has paid a dividend for at least 10 years, which is a reliable track record.
CCNE has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.12%
Div Incr Years1
Div Non Decr Years30
5.3 Sustainability
CCNE pays out 48.85% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CCNE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.85%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
26.17
+0.17 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.77%
Inst Owner Change32.97%
Ins Owners2.39%
Ins Owner Change0.46%
Market Cap771.49M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.9 (10.43%)
Short Float %1%
Short Ratio2.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.98%
Min EPS beat(2)3.57%
Max EPS beat(2)10.38%
EPS beat(4)3
Avg EPS beat(4)5.09%
Min EPS beat(4)-4.09%
Max EPS beat(4)10.51%
EPS beat(8)7
Avg EPS beat(8)6.67%
EPS beat(12)8
Avg EPS beat(12)3.58%
EPS beat(16)10
Avg EPS beat(16)2.85%
Revenue beat(2)0
Avg Revenue beat(2)-8.03%
Min Revenue beat(2)-12.31%
Max Revenue beat(2)-3.75%
Revenue beat(4)0
Avg Revenue beat(4)-5.53%
Min Revenue beat(4)-12.31%
Max Revenue beat(4)-1.97%
Revenue beat(8)1
Avg Revenue beat(8)-3.3%
Revenue beat(12)4
Avg Revenue beat(12)4.83%
Revenue beat(16)8
Avg Revenue beat(16)7.73%
PT rev (1m)1.19%
PT rev (3m)1.19%
EPS NQ rev (1m)-3.66%
EPS NQ rev (3m)-3.66%
EPS NY rev (1m)1.41%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)-9.9%
Revenue NQ rev (3m)-5.61%
Revenue NY rev (1m)-8.86%
Revenue NY rev (3m)-4.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 7.21 | ||
| P/S | 3.02 | ||
| P/FCF | 14.97 | ||
| P/OCF | 12.62 | ||
| P/B | 0.91 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.24%
EPS(NY)3.63
Fwd EY13.88%
FCF(TTM)1.75
FCFY6.68%
OCF(TTM)2.07
OCFY7.92%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.5
PEG (5Y)N/A
Graham Number41.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 5.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.82% | ||
| GM | N/A | ||
| FCFM | 20.19% |
ROA(3y)0.94%
ROA(5y)0.89%
ROE(3y)9.53%
ROE(5y)9.63%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.19%
PM growth 5Y-4.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 101.04% | ||
| Cap/Sales | 3.76% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC19.83%
ROIC/WACCN/A
Cap/Depr(3y)175.26%
Cap/Depr(5y)144.48%
Cap/Sales(3y)5.86%
Cap/Sales(5y)4.88%
Profit Quality(3y)88.78%
Profit Quality(5y)87.66%
High Growth Momentum
Growth
EPS 1Y (TTM)14.53%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%34.43%
EPS Next Y19.64%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
EPS Next 5YN/A
Revenue 1Y (TTM)13.9%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%41.37%
Revenue Next Year28.94%
Revenue Next 2Y28.31%
Revenue Next 3Y21.07%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.71%
FCF growth 3Y1.74%
FCF growth 5Y5.14%
OCF growth 1Y10.97%
OCF growth 3Y6.67%
OCF growth 5Y6.56%
CNB FINANCIAL CORP/PA / CCNE FAQ
What is the fundamental rating for CCNE stock?
ChartMill assigns a fundamental rating of 4 / 10 to CCNE.
What is the valuation status for CCNE stock?
ChartMill assigns a valuation rating of 6 / 10 to CNB FINANCIAL CORP/PA (CCNE). This can be considered as Fairly Valued.
How profitable is CNB FINANCIAL CORP/PA (CCNE) stock?
CNB FINANCIAL CORP/PA (CCNE) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CNB FINANCIAL CORP/PA (CCNE) stock?
The Price/Earnings (PE) ratio for CNB FINANCIAL CORP/PA (CCNE) is 9.76 and the Price/Book (PB) ratio is 0.91.
Can you provide the expected EPS growth for CCNE stock?
The Earnings per Share (EPS) of CNB FINANCIAL CORP/PA (CCNE) is expected to grow by 19.64% in the next year.