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

NASDAQ:CCNEP • US1261282065

Current stock price

25.0882 USD
+0.08 (+0.33%)
Last:

This CCNEP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CCNEP Profitability Analysis

1.1 Basic Checks

  • CCNEP had positive earnings in the past year.
  • In the past year CCNEP had a positive cash flow from operations.
  • In the past 5 years CCNEP has always been profitable.
  • In the past 5 years CCNEP always reported a positive cash flow from operatings.
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 2025 20M 40M 60M

1.2 Ratios

  • The Return On Assets of CCNEP (0.73%) is worse than 72.34% of its industry peers.
  • With a Return On Equity value of 7.04%, CCNEP is not doing good in the industry: 71.01% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.73%
ROE 7.04%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.91%
ROE(3y)8.19%
ROE(5y)9.53%
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 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 21.75%, CCNEP is not doing good in the industry: 67.55% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of CCNEP has grown nicely.
  • The Operating Margin and Gross Margin are not available for CCNEP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.97%
PM growth 5Y2.36%
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 2025 5 10 15 20 25

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1

2. CCNEP Health Analysis

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
  • The number of shares outstanding for CCNEP has been increased compared to 5 years ago.
  • CCNEP has a worse debt/assets ratio than last year.
CCNEP Yearly Shares OutstandingCCNEP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
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 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of CCNEP is 4.90, which is a neutral value as it means it would take CCNEP, 4.90 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 4.90, CCNEP is not doing good in the industry: 70.48% of the companies in the same industry are doing better.
  • CCNEP has a Debt/Equity ratio of 0.33. This is a healthy value indicating a solid balance between debt and equity.
  • CCNEP's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. CCNEP is outperformed by 70.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.9
Altman-Z N/A
ROIC/WACCN/A
WACC19.8%
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 2025 200M 400M 600M 800M

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 2025 50M 100M 150M 200M 250M

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

8

3. CCNEP Growth Analysis

3.1 Past

  • CCNEP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 33.33%, which is quite impressive.
  • CCNEP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.86% yearly.
  • CCNEP shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.55%.
  • The Revenue has been growing by 11.63% on average over the past years. This is quite good.
EPS 1Y (TTM)33.33%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%54.39%
Revenue 1Y (TTM)24.55%
Revenue growth 3Y7.92%
Revenue growth 5Y11.63%
Sales Q2Q%73.57%

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 17.06% on average per year.
  • Based on estimates for the next years, CCNEP will show a very strong growth in Revenue. The Revenue will grow by 20.93% on average per year.
EPS Next Y22.93%
EPS Next 2Y17.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.67%
Revenue Next 2Y20.93%
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.
  • 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.
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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7

4. CCNEP Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.84, the valuation of CCNEP can be described as very cheap.
  • CCNEP's Price/Earnings ratio is rather cheap when compared to the industry. CCNEP is cheaper than 93.62% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. CCNEP is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 6.34, the valuation of CCNEP can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CCNEP indicates a rather cheap valuation: CCNEP is cheaper than 94.41% of the companies listed in the same industry.
  • CCNEP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.84
Fwd PE 6.34
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as CCNEP.
Industry RankSector Rank
P/FCF 12.68
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

  • 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 17.06% in the coming years.
PEG (NY)0.34
PEG (5Y)2.74
EPS Next 2Y17.06%
EPS Next 3YN/A

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

6

5. CCNEP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.49%, CCNEP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, CCNEP has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, CCNEP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.49%

5.2 History

  • The dividend of CCNEP has a limited annual growth rate of 3.29%.
  • 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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)3.29%
Div Incr Years0
Div Non Decr Years5
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

  • 36.64% of the earnings are spent on dividend by CCNEP. This is a low number and sustainable payout ratio.
  • The dividend of CCNEP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.64%
EPS Next 2Y17.06%
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 2025 20M 40M 60M
CCNEP Dividend Payout.CCNEP Dividend Payout, showing the Payout Ratio.CCNEP Dividend Payout.PayoutRetained Earnings

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CCNEP Fundamentals: All Metrics, Ratios and Statistics

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

NASDAQ:CCNEP (4/24/2026, 8:25:39 PM)

25.0882

+0.08 (+0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners62.73%
Inst Owner ChangeN/A
Ins Owners2.68%
Ins Owner ChangeN/A
Market Cap743.61M
Revenue(TTM)282.20M
Net Income(TTM)61.38M
Analysts82.22
Price Target26.75 (6.62%)
Short Float %0%
Short Ratio0.57
Dividend
Industry RankSector Rank
Dividend Yield 2.49%
Yearly Dividend0.89
Dividend Growth(5Y)3.29%
DP36.64%
Div Incr Years0
Div Non Decr Years5
Ex-Date05-15
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.36%
Min EPS beat(2)8.33%
Max EPS beat(2)10.38%
EPS beat(4)3
Avg EPS beat(4)4.55%
Min EPS beat(4)-4.09%
Max EPS beat(4)10.38%
EPS beat(8)7
Avg EPS beat(8)6.16%
EPS beat(12)9
Avg EPS beat(12)4.9%
EPS beat(16)11
Avg EPS beat(16)3.5%
Revenue beat(2)0
Avg Revenue beat(2)-6.55%
Min Revenue beat(2)-12.31%
Max Revenue beat(2)-0.79%
Revenue beat(4)0
Avg Revenue beat(4)-5.24%
Min Revenue beat(4)-12.31%
Max Revenue beat(4)-0.79%
Revenue beat(8)0
Avg Revenue beat(8)-3.49%
Revenue beat(12)3
Avg Revenue beat(12)3.49%
Revenue beat(16)7
Avg Revenue beat(16)7.08%
PT rev (1m)-7.41%
PT rev (3m)-3.54%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.95%
EPS NY rev (1m)0%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.19%
Valuation
Industry RankSector Rank
PE 7.84
Fwd PE 6.34
P/S 2.64
P/FCF 12.68
P/OCF 11.44
P/B 0.85
P/tB 1
EV/EBITDA N/A
EPS(TTM)3.2
EY12.76%
EPS(NY)3.96
Fwd EY15.78%
FCF(TTM)1.98
FCFY7.89%
OCF(TTM)2.19
OCFY8.74%
SpS9.52
BVpS29.42
TBVpS25.21
PEG (NY)0.34
PEG (5Y)2.74
Graham Number46.0275 (83.46%)
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 7.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.75%
GM N/A
FCFM 20.78%
ROA(3y)0.82%
ROA(5y)0.91%
ROE(3y)8.19%
ROE(5y)9.53%
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-5.97%
PM growth 5Y2.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.9
Debt/EBITDA N/A
Cap/Depr 58.06%
Cap/Sales 2.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC19.8%
ROIC/WACCN/A
Cap/Depr(3y)132.26%
Cap/Depr(5y)137.53%
Cap/Sales(3y)4.78%
Cap/Sales(5y)4.64%
Profit Quality(3y)91.26%
Profit Quality(5y)92.1%
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%54.39%
EPS Next Y22.93%
EPS Next 2Y17.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.55%
Revenue growth 3Y7.92%
Revenue growth 5Y11.63%
Sales Q2Q%73.57%
Revenue Next Year36.67%
Revenue Next 2Y20.93%
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 1Y6.2%
FCF growth 3Y4.25%
FCF growth 5Y20.46%
OCF growth 1Y-9.13%
OCF growth 3Y0.48%
OCF growth 5Y17.71%

CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP / CCNEP Fundamental Analysis 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 7 / 10 to CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP). This can be considered as Undervalued.


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

CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for CCNEP stock?

The Price/Earnings (PE) ratio for CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) is 7.84 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.