24.5 USD
-0.02 (-0.08%)
We assign a fundamental rating of 4 out of 10 to CCNEP. CCNEP was compared to 385 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.
In the past year CCNEP had a positive cash flow from operations.
Each year in the past 5 years CCNEP has been profitable.
In the past 5 years CCNEP always reported a positive cash flow from operatings.
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 76.36% of its industry peers.
Looking at the Return On Equity, with a value of 5.08%, CCNEP is doing worse than 76.62% of the companies in the same industry.
| 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
The Profit Margin of CCNEP (16.82%) is worse than 72.47% of its industry peers.
In the last couple of years the Profit Margin of CCNEP has declined.
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.
Compared to 1 year ago, CCNEP has more shares outstanding
Compared to 5 years ago, CCNEP has more shares outstanding
Compared to 1 year ago, CCNEP has a worse debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 5.92, CCNEP is doing worse than 74.29% of the companies in the same industry.
A Debt/Equity ratio of 0.36 indicates that CCNEP is not too dependend on debt financing.
CCNEP's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. CCNEP is outperformed by 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.65%
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.
CCNEP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.90%.
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.38% yearly.
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
The Price/Earnings ratio is 9.14, which indicates a very decent valuation of CCNEP.
91.17% of the companies in the same industry are more expensive than CCNEP, based on the Price/Earnings ratio.
CCNEP is valuated cheaply when we compare the Price/Earnings ratio to 26.43, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.94, the valuation of CCNEP can be described as very cheap.
Based on the Price/Forward Earnings ratio, CCNEP is valued cheaply inside the industry as 93.51% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CCNEP to the average of the S&P500 Index (23.66), we can say CCNEP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.14 | ||
| Fwd PE | 6.94 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CCNEP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.02 | ||
| 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)0.5
PEG (5Y)N/A
EPS Next 2Y21.81%
EPS Next 3Y19.38%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.59%, CCNEP has a reasonable but not impressive dividend return.
CCNEP's Dividend Yield is comparable with the industry average which is at 2.70.
CCNEP's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.59% |
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 (12/16/2025, 4:30:02 PM)
24.5
-0.02 (-0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.34%
Inst Owner ChangeN/A
Ins Owners2.39%
Ins Owner ChangeN/A
Market Cap722.26M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.58 (16.65%)
Short Float %0%
Short Ratio0
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.59% |
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)-0.17%
PT rev (3m)5.14%
EPS NQ rev (1m)-5.13%
EPS NQ rev (3m)-6.09%
EPS NY rev (1m)-1.13%
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 | 9.14 | ||
| Fwd PE | 6.94 | ||
| P/S | 2.83 | ||
| P/FCF | 14.02 | ||
| P/OCF | 11.82 | ||
| P/B | 0.86 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.94%
EPS(NY)3.53
Fwd EY14.41%
FCF(TTM)1.75
FCFY7.13%
OCF(TTM)2.07
OCFY8.46%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.5
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
WACC20.65%
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.
What is the valuation status of CNB FINANCIAL CORP/PA - CCNE 7 1/8 PERP (CCNEP) stock?
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 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 9.14 and the Price/Book (PB) ratio is 0.86.
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.