Logo image of CCNE

CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

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

21.39  +0.04 (+0.19%)

Fundamental Rating

4

Taking everything into account, CCNE scores 4 out of 10 in our fundamental rating. CCNE was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. CCNE scores decently on growth, while it is valued quite cheap. This could make an interesting combination. CCNE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

CCNE had positive earnings in the past year.
CCNE had a positive operating cash flow in the past year.
Each year in the past 5 years CCNE has been profitable.
CCNE had a positive operating cash flow in each of the past 5 years.
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

The Return On Assets of CCNE (0.78%) is comparable to the rest of the industry.
CCNE has a Return On Equity (7.81%) which is in line with its industry peers.
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 40.40% of its industry peers.
CCNE's Profit Margin has declined in the last couple of years.
CCNE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

More info and screens

2

2. Health

2.1 Basic Checks

CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CCNE has more shares outstanding
Compared to 5 years ago, CCNE has more shares outstanding
Compared to 1 year ago, CCNE has a worse debt to assets ratio.
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's Debt to FCF ratio of 2.19 is in line compared to the rest of the industry. CCNE outperforms 45.45% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that CCNE is not too dependend on debt financing.
CCNE has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: CCNE outperforms 43.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACCN/A
WACC26.66%
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

More info and screens

6

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.84% over the past year.
The Earnings Per Share has been decreasing by -1.98% on average over the past years.
Looking at the last year, CCNE shows a small growth in Revenue. The Revenue has grown by 3.47% in the last year.
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)0.84%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%3.64%
Revenue 1Y (TTM)3.47%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%7.1%

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.
CCNE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 30.60% yearly.
EPS Next Y9.56%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.55%
Revenue Next 2Y30.6%
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

More info and screens

7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.91 indicates a reasonable valuation of CCNE.
CCNE's Price/Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 86.11% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.43. CCNE is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 6.30 indicates a rather cheap valuation of CCNE.
CCNE's Price/Forward Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 91.92% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, CCNE is valued rather cheaply.
Industry RankSector Rank
PE 8.91
Fwd PE 6.3
CCNE Price Earnings VS Forward Price EarningsCCNE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CCNE is valued a bit cheaper than 75.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.15
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CCNE's earnings are expected to grow with 19.46% in the coming years.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3YN/A

More info and screens

7

5. Dividend

5.1 Amount

CCNE has a Yearly Dividend Yield of 3.25%. Purely for dividend investing, there may be better candidates out there.
CCNE's Dividend Yield is comparable with the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.38, CCNE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.25%

5.2 History

On average, the dividend of CCNE grows each year by 6.12%, which is quite nice.
CCNE has been paying a dividend for at least 10 years, so it has 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

39.57% of the earnings are spent on dividend by CCNE. This is a low number and 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

More info and screens

CNB FINANCIAL CORP/PA

NASDAQ:CCNE (6/5/2025, 12:09:56 PM)

21.39

+0.04 (+0.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)07-16 2025-07-16/amc
Inst Owners59.71%
Inst Owner Change3.76%
Ins Owners1.98%
Ins Owner Change5.78%
Market Cap448.76M
Analysts84.44
Price Target26.69 (24.78%)
Short Float %2.09%
Short Ratio5.6
Dividend
Industry RankSector Rank
Dividend Yield 3.25%
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)0%
PT rev (3m)-6.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.46%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.18%
Valuation
Industry RankSector Rank
PE 8.91
Fwd PE 6.3
P/S 1.96
P/FCF 8.15
P/OCF 6.35
P/B 0.72
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)2.4
EY11.22%
EPS(NY)3.4
Fwd EY15.88%
FCF(TTM)2.63
FCFY12.27%
OCF(TTM)3.37
OCFY15.74%
SpS10.93
BVpS29.77
TBVpS27.61
PEG (NY)0.93
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
WACC26.66%
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)0.84%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%3.64%
EPS Next Y9.56%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.47%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%7.1%
Revenue Next Year33.55%
Revenue Next 2Y30.6%
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%