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CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

NASDAQ:CCNE - Nasdaq - US1261281075 - Common Stock - Currency: USD

22.48  -0.47 (-2.05%)

After market: 22.48 0 (0%)

Fundamental Rating

4

CCNE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE may be a bit undervalued, certainly considering the very reasonable score on growth Finally CCNE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CCNE was profitable.
In the past year CCNE had a positive cash flow from operations.
In the past 5 years CCNE has always been profitable.
Each year in the past 5 years CCNE had a positive operating cash flow.
CCNE Yearly Net Income VS EBIT VS OCF VS FCFCCNE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

CCNE's Return On Assets of 0.78% is in line compared to the rest of the industry. CCNE outperforms 44.02% of its industry peers.
The Return On Equity of CCNE (7.81%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.78%
ROE 7.81%
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
CCNE Yearly ROA, ROE, ROICCCNE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

CCNE has a Profit Margin of 21.28%. This is comparable to the rest of the industry: CCNE outperforms 40.71% of its industry peers.
CCNE's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CCNE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.28%
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
CCNE Yearly Profit, Operating, Gross MarginsCCNE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

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.
CCNE has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CCNE is higher compared to a year ago.
CCNE Yearly Shares OutstandingCCNE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
CCNE Yearly Total Debt VS Total AssetsCCNE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of CCNE is 2.19, which is a good value as it means it would take CCNE, 2.19 years of fcf income to pay off all of its debts.
CCNE has a Debt to FCF ratio of 2.19. This is comparable to the rest of the industry: CCNE outperforms 45.55% of its industry peers.
CCNE has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
CCNE's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. CCNE outperforms 43.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACCN/A
WACC21.48%
CCNE Yearly LT Debt VS Equity VS FCFCCNE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CCNE Yearly Current Assets VS Current LiabilitesCCNE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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6

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.01% over the past year.
Measured over the past years, CCNE shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.98% on average per year.
CCNE shows a small growth in Revenue. In the last year, the Revenue has grown by 1.53%.
Measured over the past years, CCNE shows a quite strong growth in Revenue. The Revenue has been growing by 9.77% on average per year.
EPS 1Y (TTM)6.01%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%12.5%
Revenue 1Y (TTM)1.53%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%14.17%

3.2 Future

Based on estimates for the next years, CCNE will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.46% on average per year.
The Revenue is expected to grow by 31.76% on average over the next years. This is a very strong growth
EPS Next Y11.41%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year34.43%
Revenue Next 2Y31.76%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CCNE Yearly Revenue VS EstimatesCCNE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
CCNE Yearly EPS VS EstimatesCCNE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.10 indicates a reasonable valuation of CCNE.
Compared to the rest of the industry, the Price/Earnings ratio of CCNE indicates a rather cheap valuation: CCNE is cheaper than 84.48% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.82. CCNE is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.62, the valuation of CCNE can be described as very cheap.
Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 89.57% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CCNE to the average of the S&P500 Index (36.21), we can say CCNE is valued rather cheaply.
Industry RankSector Rank
PE 9.1
Fwd PE 6.62
CCNE Price Earnings VS Forward Price EarningsCCNE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCNE indicates a somewhat cheap valuation: CCNE is cheaper than 73.28% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.56
EV/EBITDA N/A
CCNE Per share dataCCNE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

CCNE's 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 19.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

CCNE has a Yearly Dividend Yield of 7.13%, which is a nice return.
Compared to an average industry Dividend Yield of 3.40, CCNE has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.35, CCNE pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.13%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.12%
Div Incr Years1
Div Non Decr Years30
CCNE Yearly Dividends per shareCCNE Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

CCNE pays out 39.57% of its income as dividend. This is a sustainable payout ratio.
CCNE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.57%
EPS Next 2Y19.46%
EPS Next 3YN/A
CCNE Yearly Income VS Free CF VS DividendCCNE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CCNE Dividend Payout.CCNE Dividend Payout, showing the Payout Ratio.CCNE Dividend Payout.PayoutRetained Earnings

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CNB FINANCIAL CORP/PA

NASDAQ:CCNE (8/1/2025, 8:26:20 PM)

After market: 22.48 0 (0%)

22.48

-0.47 (-2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-22 2025-07-22/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners62.66%
Inst Owner Change-0.21%
Ins Owners2.28%
Ins Owner Change5.78%
Market Cap669.90M
Analysts84.44
Price Target27.03 (20.24%)
Short Float %3.47%
Short Ratio7.75
Dividend
Industry RankSector Rank
Dividend Yield 7.13%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP39.57%
Div Incr Years1
Div Non Decr Years30
Ex-Date05-30 2025-05-30 (0.18)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.21%
Min EPS beat(2)-4.09%
Max EPS beat(2)10.51%
EPS beat(4)3
Avg EPS beat(4)4.91%
Min EPS beat(4)-4.09%
Max EPS beat(4)10.51%
EPS beat(8)6
Avg EPS beat(8)5.03%
EPS beat(12)7
Avg EPS beat(12)1.77%
EPS beat(16)10
Avg EPS beat(16)2.3%
Revenue beat(2)0
Avg Revenue beat(2)-3.04%
Min Revenue beat(2)-4.1%
Max Revenue beat(2)-1.97%
Revenue beat(4)0
Avg Revenue beat(4)-2%
Min Revenue beat(4)-4.1%
Max Revenue beat(4)0%
Revenue beat(8)2
Avg Revenue beat(8)6.39%
Revenue beat(12)6
Avg Revenue beat(12)8.99%
Revenue beat(16)10
Avg Revenue beat(16)10.85%
PT rev (1m)1.27%
PT rev (3m)1.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.7%
EPS NY rev (3m)1.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 9.1
Fwd PE 6.62
P/S 2.06
P/FCF 8.56
P/OCF 6.68
P/B 0.76
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)2.47
EY10.99%
EPS(NY)3.4
Fwd EY15.11%
FCF(TTM)2.63
FCFY11.68%
OCF(TTM)3.37
OCFY14.98%
SpS10.93
BVpS29.77
TBVpS27.61
PEG (NY)0.8
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 7.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.28%
GM N/A
FCFM 24.02%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.19
Debt/EBITDA N/A
Cap/Depr 184.67%
Cap/Sales 6.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC21.48%
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)6.01%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%12.5%
EPS Next Y11.41%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.53%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%14.17%
Revenue Next Year34.43%
Revenue Next 2Y31.76%
Revenue Next 3YN/A
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 1Y7.71%
FCF growth 3Y1.74%
FCF growth 5Y5.14%
OCF growth 1Y8.58%
OCF growth 3Y6.67%
OCF growth 5Y6.56%