CCNE Fundamental Analysis - CNB FINANCIAL CORP/PA

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to CCNE. CCNE was compared to 395 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. CCNE has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! CCNE also has an excellent dividend rating.

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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.

CCNE had positive earnings in each of the past 5 years.

CCNE had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.79%, CCNE perfoms like the industry average, outperforming 45.57% of the companies in the same industry.

CCNE has a Return On Equity (7.81%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.79%
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

1.3 Margins

CCNE has a worse Profit Margin (21.10%) than 60.76% of its industry peers.

In the last couple of years the Profit Margin of CCNE has declined.

CCNE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	21.1%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.

CCNE has more shares outstanding than it did 1 year ago.

The number of shares outstanding for CCNE has been increased compared to 5 years ago.

CCNE has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of CCNE is 1.79, which is an excellent value as it means it would take CCNE, only 1.79 years of fcf income to pay off all of its debts.

CCNE's Debt to FCF ratio of 1.79 is in line compared to the rest of the industry. CCNE outperforms 52.15% of its industry peers.

A Debt/Equity ratio of 0.19 indicates that CCNE is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.19, CCNE perfoms like the industry average, outperforming 42.78% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.79
Altman-Z	N/A

ROIC/WACCN/A

WACC19.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 6.01% 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 been growing slightly by 6.92% in the past year.

The Revenue has been growing by 9.77% on average over the past years. This is quite good.

EPS 1Y (TTM)6.01%

EPS 3Y-8.73%

EPS 5Y-1.98%

EPS Q2Q%12.5%

Revenue 1Y (TTM)6.92%

Revenue growth 3Y5.46%

Revenue growth 5Y9.77%

Sales Q2Q%14.17%

3.2 Future

The Earnings Per Share is expected to grow by 23.38% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 31.79% on average over the next years. This is a very strong growth

EPS Next Y17.97%

EPS Next 2Y23.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year34.43%

Revenue Next 2Y31.79%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.65, the valuation of CCNE can be described as reasonable.

Based on the Price/Earnings ratio, CCNE is valued a bit cheaper than 77.47% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.13. CCNE is valued rather cheaply when compared to this.

CCNE is valuated cheaply with a Price/Forward Earnings ratio of 7.26.

Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 89.87% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.76. CCNE is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.65
Fwd PE	7.26

4.2 Price Multiples

CCNE's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CCNE is cheaper than 61.27% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.27
EV/EBITDA	N/A

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 23.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.59

PEG (5Y)N/A

EPS Next 2Y23.38%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CCNE has a Yearly Dividend Yield of 2.71%.

CCNE's Dividend Yield is comparable with the industry average which is at 3.17.

CCNE's Dividend Yield is comparable with the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	2.71%

5.2 History

The dividend of CCNE is nicely growing with an annual growth rate of 6.12%!

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

39.05% of the earnings are spent on dividend by CCNE. This is a low number and sustainable payout ratio.

The dividend of CCNE is growing, but earnings are growing more, so the dividend growth is sustainable.

DP39.05%

EPS Next 2Y23.38%

EPS Next 3YN/A

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CNB FINANCIAL CORP/PA

NASDAQ:CCNE (8/29/2025, 8:10:34 PM)

After market: 26.31 0 (0%)

26.31

-0.21 (-0.79%)

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 Owners43.75%

Inst Owner Change3.7%

Ins Owners1.6%

Ins Owner Change4.48%

Market Cap775.62M

Analysts84.44

Price Target28.56 (8.55%)

Short Float %0.6%

Short Ratio1.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.71%

Yearly Dividend0.92

Dividend Growth(5Y)6.12%

DP39.05%

Div Incr Years1

Div Non Decr Years30

Ex-Date08-29 2025-08-29 (0.18)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-0.26%

Min EPS beat(2)-4.09%

Max EPS beat(2)3.57%

EPS beat(4)3

Avg EPS beat(4)3.87%

Min EPS beat(4)-4.09%

Max EPS beat(4)10.51%

EPS beat(8)7

Avg EPS beat(8)6.34%

EPS beat(12)7

Avg EPS beat(12)1.81%

EPS beat(16)10

Avg EPS beat(16)2.48%

Revenue beat(2)0

Avg Revenue beat(2)-3.93%

Min Revenue beat(2)-4.1%

Max Revenue beat(2)-3.75%

Revenue beat(4)0

Avg Revenue beat(4)-2.46%

Min Revenue beat(4)-4.1%

Max Revenue beat(4)0%

Revenue beat(8)2

Avg Revenue beat(8)6.14%

Revenue beat(12)5

Avg Revenue beat(12)6.98%

Revenue beat(16)9

Avg Revenue beat(16)9.75%

PT rev (1m)5.66%

PT rev (3m)7.01%

EPS NQ rev (1m)0%

EPS NQ rev (3m)7.11%

EPS NY rev (1m)5.89%

EPS NY rev (3m)7.68%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)9.71%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.66%

Valuation

		Industry Rank	Sector Rank
PE	10.65
Fwd PE	7.26
P/S	3.29
P/FCF	11.27
P/OCF	9.64
P/B	1.22
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)2.47

EY9.39%

EPS(NY)3.62

Fwd EY13.77%

FCF(TTM)2.33

FCFY8.87%

OCF(TTM)2.73

OCFY10.37%

SpS8

BVpS21.62

TBVpS20.09

PEG (NY)0.59

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.79%
ROE	7.81%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.1%
GM	N/A
FCFM	29.16%

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-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.19
Debt/FCF	1.79
Debt/EBITDA	N/A
Cap/Depr	140.99%
Cap/Sales	4.93%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	138.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC19.98%

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 Y17.97%

EPS Next 2Y23.38%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.92%

Revenue growth 3Y5.46%

Revenue growth 5Y9.77%

Sales Q2Q%14.17%

Revenue Next Year34.43%

Revenue Next 2Y31.79%

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 1Y59.84%

FCF growth 3Y1.74%

FCF growth 5Y5.14%

OCF growth 1Y37.2%

OCF growth 3Y6.67%

OCF growth 5Y6.56%

CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens