CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) Stock Fundamental Analysis

NASDAQ:CCNEP • US1261282065

25.4 USD
+0.48 (+1.93%)
Last: Feb 27, 2026, 04:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

CCNEP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. CCNEP may be in some trouble as it scores bad on both profitability and health. CCNEP is not valued too expensively and it also shows a decent growth rate. CCNEP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CCNEP had positive earnings in the past year.
  • CCNEP had a positive operating cash flow in the past year.
  • Of the past 5 years CCNEP 4 years were profitable.
  • Of the past 5 years CCNEP 4 years had a positive operating cash flow.
CCNEP Yearly Net Income VS EBIT VS OCF VS FCFCCNEP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

  • The Return On Assets of CCNEP (0.52%) is worse than 76.78% of its industry peers.
  • CCNEP has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNEP underperforms 76.52% of its industry peers.
Industry RankSector 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
CCNEP Yearly ROA, ROE, ROICCCNEP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • CCNEP has a Profit Margin of 16.82%. This is in the lower half of the industry: CCNEP underperforms 73.61% of its industry peers.
  • CCNEP's Profit Margin has declined in the last couple of years.
  • CCNEP 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) 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
CCNEP Yearly Profit, Operating, Gross MarginsCCNEP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • CCNEP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CCNEP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CCNEP Yearly Shares OutstandingCCNEP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
CCNEP Yearly Total Debt VS Total AssetsCCNEP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

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.
  • CCNEP has a worse Debt to FCF ratio (5.92) than 73.61% of its industry peers.
  • CCNEP has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
  • CCNEP has a Debt to Equity ratio of 0.36. This is in the lower half of the industry: CCNEP underperforms 70.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 5.92
Altman-Z N/A
ROIC/WACCN/A
WACC20.34%
CCNEP Yearly LT Debt VS Equity VS FCFCCNEP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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
CCNEP Yearly Current Assets VS Current LiabilitesCCNEP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.43% over the past year.
  • Measured over the past 5 years, CCNEP shows a small growth in Earnings Per Share. The EPS has been growing by 2.86% on average per year.
EPS 1Y (TTM)21.43%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%31.82%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%51.45%

3.2 Future

  • The Earnings Per Share is expected to grow by 16.58% on average over the next years. This is quite good.
  • Based on estimates for the next years, CCNEP will show a quite strong growth in Revenue. The Revenue will grow by 15.90% on average per year.
EPS Next Y20.51%
EPS Next 2Y16.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.25%
Revenue Next 2Y15.9%
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.
CCNEP Yearly Revenue VS EstimatesCCNEP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CCNEP Yearly EPS VS EstimatesCCNEP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.79 indicates a reasonable valuation of CCNEP.
  • Based on the Price/Earnings ratio, CCNEP is valued cheaply inside the industry as 92.61% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.11. CCNEP is valued rather cheaply when compared to this.
  • CCNEP is valuated cheaply with a Price/Forward Earnings ratio of 7.29.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CCNEP indicates a rather cheap valuation: CCNEP is cheaper than 94.46% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of CCNEP to the average of the S&P500 Index (28.13), we can say CCNEP is valued rather cheaply.
Industry RankSector Rank
PE 8.79
Fwd PE 7.29
CCNEP Price Earnings VS Forward Price EarningsCCNEP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCNEP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.53
EV/EBITDA N/A
CCNEP Per share dataCCNEP 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.
  • CCNEP's earnings are expected to grow with 16.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)3.07
EPS Next 2Y16.58%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • CCNEP has a Yearly Dividend Yield of 7.04%, which is a nice return.
  • CCNEP's Dividend Yield is rather good when compared to the industry average which is at 2.74. CCNEP pays more dividend than 97.10% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, CCNEP pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.04%

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
CCNEP Yearly Dividends per shareCCNEP Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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.
  • The dividend of CCNEP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.85%
EPS Next 2Y16.58%
EPS Next 3YN/A
CCNEP Yearly Income VS Free CF VS DividendCCNEP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CCNEP Dividend Payout.CCNEP Dividend Payout, showing the Payout Ratio.CCNEP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP

NASDAQ:CCNEP (2/27/2026, 4:10:13 PM)

25.4

+0.48 (+1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-13
Inst Owners61.31%
Inst Owner ChangeN/A
Ins Owners2.32%
Ins Owner ChangeN/A
Market Cap748.54M
Revenue(TTM)N/A
Net Income(TTM)42.92M
Analysts82.5
Price Target25.93 (2.09%)
Short Float %0%
Short Ratio0.29
Dividend
Industry RankSector Rank
Dividend Yield 7.04%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years0
Div Non Decr Years4
Ex-Date02-13
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)-6.5%
PT rev (3m)-9.26%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.42%
EPS NY rev (1m)0%
EPS NY rev (3m)0.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 8.79
Fwd PE 7.29
P/S 2.93
P/FCF 14.53
P/OCF 12.25
P/B 0.89
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)2.89
EY11.38%
EPS(NY)3.48
Fwd EY13.71%
FCF(TTM)1.75
FCFY6.88%
OCF(TTM)2.07
OCFY8.17%
SpS8.66
BVpS28.65
TBVpS24.2
PEG (NY)0.43
PEG (5Y)3.07
Graham Number43.16
Profitability
Industry RankSector 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 RankSector 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
WACC20.34%
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)21.43%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%31.82%
EPS Next Y20.51%
EPS Next 2Y16.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%51.45%
Revenue Next Year25.25%
Revenue Next 2Y15.9%
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 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 3 / 10 to CCNEP.


Can you provide the valuation status for CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP?

ChartMill assigns a valuation rating of 6 / 10 to CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP). This can be considered as Fairly Valued.


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 is the expected EPS growth for CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) stock?

The Earnings per Share (EPS) of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) is expected to grow by 20.51% in the next year.


Is the dividend of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP sustainable?

The dividend rating of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) is 8 / 10 and the dividend payout ratio is 48.85%.