24.4 USD
+0.04 (+0.17%)
We assign a fundamental rating of 4 out of 10 to CCNEP. CCNEP was compared to 388 industry peers in the Banks industry. CCNEP may be in some trouble as it scores bad on both profitability and health. CCNEP is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
CCNEP had positive earnings in the past year.
In the past year CCNEP had a positive cash flow from operations.
CCNEP had positive earnings in each of the past 5 years.
In the past 5 years CCNEP always reported a positive cash flow from operatings.
1.2 Ratios
CCNEP has a worse Return On Assets (0.52%) than 75.84% of its industry peers.
The Return On Equity of CCNEP (5.08%) is worse than 76.61% of its industry peers.
| 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
CCNEP has a worse Profit Margin (16.82%) than 72.24% of its industry peers.
In the last couple of years the Profit Margin of CCNEP has declined.
The Operating Margin and Gross Margin are not available for CCNEP 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
CCNEP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CCNEP has been increased compared to 1 year ago.
Compared to 5 years ago, CCNEP has more shares outstanding
CCNEP has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CCNEP is 5.92, which is a neutral value as it means it would take CCNEP, 5.92 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.92, CCNEP is not doing good in the industry: 74.04% of the companies in the same industry are doing better.
CCNEP has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of CCNEP (0.36) is worse than 70.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CCNEP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.53%, which is quite good.
CCNEP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.98% yearly.
Looking at the last year, CCNEP shows a quite strong growth in Revenue. The Revenue has grown by 13.90% in the last year.
The Revenue has been growing by 9.77% on average over the past years. This is quite good.
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
CCNEP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.21% yearly.
Based on estimates for the next years, CCNEP will show a very strong growth in Revenue. The Revenue will grow by 21.07% on average per year.
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
The Price/Earnings ratio is 9.10, which indicates a very decent valuation of CCNEP.
CCNEP's Price/Earnings ratio is rather cheap when compared to the industry. CCNEP is cheaper than 84.83% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, CCNEP is valued rather cheaply.
CCNEP is valuated cheaply with a Price/Forward Earnings ratio of 6.72.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CCNEP indicates a rather cheap valuation: CCNEP is cheaper than 92.03% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, CCNEP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.1 | ||
| Fwd PE | 6.72 |
4.2 Price Multiples
CCNEP's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.96 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CCNEP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CCNEP's earnings are expected to grow with 22.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)N/A
EPS Next 2Y23.53%
EPS Next 3Y22.21%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.98%, CCNEP has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.35, CCNEP has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, CCNEP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
5.2 History
The dividend of CCNEP is nicely growing with an annual growth rate of 6.12%!
CCNEP has been paying a dividend for over 5 years, so it has already some track record.
CCNEP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)6.12%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
CCNEP pays out 48.85% of its income as dividend. This is a bit on the high side, but may be sustainable.
CCNEP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.85%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP
NASDAQ:CCNEP (11/21/2025, 8:16:16 PM)
24.4
+0.04 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.77%
Inst Owner ChangeN/A
Ins Owners2.39%
Ins Owner ChangeN/A
Market Cap719.31M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.58 (17.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.98% |
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years0
Div Non Decr Years4
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)-0.7%
PT rev (3m)0.1%
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 | 9.1 | ||
| Fwd PE | 6.72 | ||
| P/S | 2.82 | ||
| P/FCF | 13.96 | ||
| P/OCF | 11.77 | ||
| P/B | 0.85 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.98%
EPS(NY)3.63
Fwd EY14.88%
FCF(TTM)1.75
FCFY7.16%
OCF(TTM)2.07
OCFY8.5%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.46
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
WACC20.59%
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 7 1/8 PERP / CCNEP FAQ
Can you provide the ChartMill fundamental rating for CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP?
ChartMill assigns a fundamental rating of 4 / 10 to CCNEP.
What is the valuation status of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) stock?
ChartMill assigns a valuation rating of 7 / 10 to CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP). This can be considered as Undervalued.
How profitable is CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) stock?
CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) stock?
The Price/Earnings (PE) ratio for CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) is 9.1 and the Price/Book (PB) ratio is 0.85.
Can you provide the financial health for CCNEP stock?
The financial health rating of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) is 1 / 10.