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CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

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

23.57  -0.17 (-0.72%)

After market: 24.08 +0.51 (+2.16%)

Fundamental Rating

4

CCNE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. CCNE may be in some trouble as it scores bad on both profitability and health. CCNE may be a bit undervalued, certainly considering the very reasonable score on growth CCNE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
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 has a Return On Assets (0.78%) which is in line with its industry peers.
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

With a Profit Margin value of 21.28%, CCNE perfoms like the industry average, outperforming 40.40% of the companies in the same industry.
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 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

CCNE has a debt to FCF ratio of 2.19. This is a good value and a sign of high solvency as CCNE would need 2.19 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.19, CCNE is in line with its industry, outperforming 45.71% of the companies in the same industry.
A Debt/Equity ratio of 0.19 indicates that CCNE is not too dependend on debt financing.
CCNE has a Debt to Equity ratio (0.19) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACCN/A
WACC25.25%
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

CCNE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.01%.
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.
The Revenue has been growing slightly by 1.53% in the past 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)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%35.18%

3.2 Future

CCNE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.46% yearly.
Based on estimates for the next years, CCNE will show a very strong growth in Revenue. The Revenue will grow by 30.60% on average per year.
EPS Next Y11.41%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

With a Price/Earnings ratio of 9.54, the valuation of CCNE can be described as very reasonable.
Based on the Price/Earnings ratio, CCNE is valued cheaply inside the industry as 86.36% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.53, CCNE is valued rather cheaply.
A Price/Forward Earnings ratio of 6.94 indicates a rather cheap valuation of CCNE.
90.91% of the companies in the same industry are more expensive than CCNE, based on the Price/Forward Earnings ratio.
CCNE is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.54
Fwd PE 6.94
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

73.99% of the companies in the same industry are more expensive than CCNE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.98
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.
CCNE's earnings are expected to grow with 19.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3YN/A

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9

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.18%, CCNE is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.29, CCNE pays a better dividend. On top of this CCNE pays more dividend than 95.96% of the companies listed in the same industry.
CCNE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
Industry RankSector Rank
Dividend Yield 7.18%

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 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
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

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CNB FINANCIAL CORP/PA

NASDAQ:CCNE (7/22/2025, 8:00:02 PM)

After market: 24.08 +0.51 (+2.16%)

23.57

-0.17 (-0.72%)

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-0.14%
Ins Owners2.28%
Ins Owner Change5.78%
Market Cap494.50M
Analysts84.44
Price Target27.03 (14.68%)
Short Float %2.47%
Short Ratio6.97
Dividend
Industry RankSector Rank
Dividend Yield 7.18%
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)-5.36%
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)6.19%
Valuation
Industry RankSector Rank
PE 9.54
Fwd PE 6.94
P/S 2.16
P/FCF 8.98
P/OCF 7
P/B 0.79
P/tB 0.85
EV/EBITDA N/A
EPS(TTM)2.47
EY10.48%
EPS(NY)3.4
Fwd EY14.41%
FCF(TTM)2.63
FCFY11.14%
OCF(TTM)3.37
OCFY14.29%
SpS10.93
BVpS29.77
TBVpS27.61
PEG (NY)0.84
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
WACC25.25%
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%35.18%
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%