24.96 USD
-0.04 (-0.16%)
Taking everything into account, CCNEP scores 4 out of 10 in our fundamental rating. CCNEP was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of CCNEP have multiple concerns. CCNEP is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- In the past year CCNEP was profitable.
- CCNEP had a positive operating cash flow in the past year.
- CCNEP had positive earnings in each of the past 5 years.
- CCNEP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CCNEP has a Return On Assets of 0.52%. This is in the lower half of the industry: CCNEP underperforms 75.72% of its industry peers.
- CCNEP has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNEP underperforms 75.98% 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
- With a Profit Margin value of 16.82%, CCNEP is not doing good in the industry: 72.58% of the companies in the same industry are doing better.
- 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.
- Compared to 1 year ago, CCNEP has more shares outstanding
- CCNEP has more shares outstanding than it did 5 years ago.
- CCNEP has a worse debt/assets ratio than last year.
2.2 Solvency
- CCNEP has a debt to FCF ratio of 5.92. This is a neutral value as CCNEP would need 5.92 years to pay back of all of its debts.
- The Debt to FCF ratio of CCNEP (5.92) is worse than 74.15% 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.
- Looking at the Debt to Equity ratio, with a value of 0.36, CCNEP is doing worse than 70.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.51%
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.
- The Revenue has grown by 13.90% in the past year. This is quite good.
- 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
- Based on estimates for the next years, CCNEP will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.38% on average per year.
- The Revenue is expected to grow by 21.07% on average over the next years. This is a very strong growth
EPS Next Y18.29%
EPS Next 2Y21.81%
EPS Next 3Y19.38%
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.31 indicates a reasonable valuation of CCNEP.
- 89.03% of the companies in the same industry are more expensive than CCNEP, based on the Price/Earnings ratio.
- CCNEP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- A Price/Forward Earnings ratio of 7.07 indicates a rather cheap valuation of CCNEP.
- 93.99% of the companies in the same industry are more expensive than CCNEP, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of CCNEP to the average of the S&P500 Index (24.29), we can say CCNEP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCNEP indicates a slightly more expensive valuation: CCNEP is more expensive than 61.10% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.28 | ||
| 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.
- A more expensive valuation may be justified as CCNEP's earnings are expected to grow with 19.38% in the coming years.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y21.81%
EPS Next 3Y19.38%
5. Dividend
5.1 Amount
- CCNEP has a Yearly Dividend Yield of 2.67%.
- CCNEP's Dividend Yield is comparable with the industry average which is at 2.87.
- Compared to an average S&P500 Dividend Yield of 1.85, CCNEP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
5.2 History
- On average, the dividend of CCNEP grows each year by 6.12%, which is quite nice.
- 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
- 48.85% of the earnings are spent on dividend by CCNEP. 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 2Y21.81%
EPS Next 3Y19.38%
CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP
NASDAQ:CCNEP (1/16/2026, 8:00:02 PM)
24.96
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners61.31%
Inst Owner ChangeN/A
Ins Owners2.32%
Ins Owner ChangeN/A
Market Cap735.82M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target27.73 (11.1%)
Short Float %0%
Short Ratio0.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)-2.95%
PT rev (3m)-3.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.09%
EPS NY rev (1m)0%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 7.07 | ||
| P/S | 2.88 | ||
| P/FCF | 14.28 | ||
| P/OCF | 12.04 | ||
| P/B | 0.87 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.74%
EPS(NY)3.53
Fwd EY14.15%
FCF(TTM)1.75
FCFY7%
OCF(TTM)2.07
OCFY8.31%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.51
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
WACC20.51%
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 Y18.29%
EPS Next 2Y21.81%
EPS Next 3Y19.38%
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.
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 18.29% 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 5 / 10 and the dividend payout ratio is 48.85%.