24.96 USD
-0.04 (-0.16%)
Overall CCNEP gets a fundamental rating of 4 out of 10. We evaluated CCNEP against 383 industry peers in the Banks industry. CCNEP may be in some trouble as it scores bad on both profitability and health. 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.
- In the past year CCNEP had a positive cash flow from operations.
- In the past 5 years CCNEP has always been profitable.
- CCNEP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CCNEP's Return On Assets of 0.52% is on the low side compared to the rest of the industry. CCNEP is outperformed by 75.72% of its industry peers.
- The Return On Equity of CCNEP (5.08%) is worse than 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
- CCNEP's Profit Margin of 16.82% is on the low side compared to the rest of the industry. CCNEP is outperformed by 72.58% 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 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.
- CCNEP has more shares outstanding than it did 1 year ago.
- CCNEP has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CCNEP has a worse debt to assets ratio.
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.
- Looking at the Debt to FCF ratio, with a value of 5.92, CCNEP is doing worse than 74.15% of the companies in the same industry.
- A Debt/Equity ratio of 0.36 indicates that CCNEP is not too dependend on debt financing.
- The Debt to Equity ratio of CCNEP (0.36) is worse than 70.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 14.53% over the past year.
- The Earnings Per Share has been decreasing by -1.98% on average over the past years.
- The Revenue has grown by 13.90% in the past year. This is quite good.
- Measured over the past years, CCNEP shows a quite strong growth in Revenue. The Revenue has been growing by 9.77% on average per year.
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
- The Earnings Per Share is expected to grow by 19.38% on average over the next years. This is quite good.
- 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 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.
- 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
- CCNEP is valuated reasonably with a Price/Earnings ratio of 9.31.
- CCNEP's Price/Earnings ratio is rather cheap when compared to the industry. CCNEP is cheaper than 89.30% of the companies in the same industry.
- When comparing the Price/Earnings ratio of CCNEP to the average of the S&P500 Index (27.54), we can say CCNEP is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.07, which indicates a rather cheap valuation of CCNEP.
- Based on the Price/Forward Earnings ratio, CCNEP is valued cheaper than 93.99% of the companies in the same industry.
- CCNEP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.31 | ||
| Fwd PE | 7.07 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CCNEP is valued a bit more expensive than 60.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.28 | ||
| EV/EBITDA | N/A |
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 19.38% in the coming years. This may justify a more expensive valuation.
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 2.72%.
- Compared to an average industry Dividend Yield of 2.90, CCNEP has a dividend in line with its industry peers.
- CCNEP's Dividend Yield is a higher than the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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
- 48.85% of the earnings are spent on dividend by CCNEP. 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 2Y21.81%
EPS Next 3Y19.38%
CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP
NASDAQ:CCNEP (1/16/2026, 4:30:02 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)01-27 2026-01-27/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 Target28.58 (14.5%)
Short Float %0%
Short Ratio0.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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)0%
PT rev (3m)-0.7%
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)-5.93%
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
WACC20.45%
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%.