CNB FINANCIAL CORP/PA (CCNE) Fundamental Analysis & Valuation

NASDAQ:CCNE • US1261281075

27.48 USD
-0.38 (-1.36%)
At close: Mar 6, 2026
27.48 USD
0 (0%)
After Hours: 3/6/2026, 8:05:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CCNE. CCNE was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. CCNE has a correct valuation and a medium growth rate. CCNE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. CCNE Profitability Analysis

1.1 Basic Checks

  • CCNE had positive earnings in the past year.
  • In the past year CCNE had a positive cash flow from operations.
  • Of the past 5 years CCNE 4 years were profitable.
  • Of the past 5 years CCNE 4 years had a positive operating cash flow.
CCNE Yearly Net Income VS EBIT VS OCF VS FCFCCNE 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 CCNE (0.52%) is worse than 78.89% of its industry peers.
  • The Return On Equity of CCNE (5.08%) is worse than 78.10% 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
CCNE Yearly ROA, ROE, ROICCCNE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CCNE (16.82%) is worse than 75.20% of its industry peers.
  • CCNE's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CCNE so they could not be analyzed.
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
CCNE Yearly Profit, Operating, Gross MarginsCCNE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CCNE Health Analysis

2.1 Basic Checks

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

  • CCNE has a debt to FCF ratio of 5.92. This is a neutral value as CCNE would need 5.92 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 5.92, CCNE is not doing good in the industry: 74.41% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.36 indicates that CCNE is not too dependend on debt financing.
  • CCNE's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. CCNE is outperformed by 71.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 5.92
Altman-Z N/A
ROIC/WACCN/A
WACC19.5%
CCNE Yearly LT Debt VS Equity VS FCFCCNE 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
CCNE Yearly Current Assets VS Current LiabilitesCCNE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

More info and screens

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

5

3. CCNE Growth Analysis

3.1 Past

  • CCNE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.43%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 2.86% on average over the past years.
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.
  • CCNE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.93% yearly.
EPS Next Y20.51%
EPS Next 2Y16.58%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
CCNE Yearly Revenue VS EstimatesCCNE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CCNE Yearly EPS VS EstimatesCCNE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

6

4. CCNE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.51, the valuation of CCNE can be described as reasonable.
  • CCNE's Price/Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 81.53% of the companies in the same industry.
  • CCNE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • With a Price/Forward Earnings ratio of 7.89, the valuation of CCNE can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 89.18% of the companies in the same industry.
  • CCNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.57.
Industry RankSector Rank
PE 9.51
Fwd PE 7.89
CCNE Price Earnings VS Forward Price EarningsCCNE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 67.55% of the companies in the same industry are cheaper than CCNE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 15.72
EV/EBITDA N/A
CCNE Per share dataCCNE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • CCNE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CCNE's earnings are expected to grow with 16.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)3.33
EPS Next 2Y16.58%
EPS Next 3YN/A

More info and screens

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

7

5. CCNE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.73%, CCNE has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.83, CCNE has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, CCNE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.73%

5.2 History

  • On average, the dividend of CCNE grows each year by 6.12%, which is quite nice.
  • CCNE has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CCNE has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.12%
Div Incr Years1
Div Non Decr Years30
CCNE Yearly Dividends per shareCCNE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • CCNE pays out 48.85% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • CCNE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.85%
EPS Next 2Y16.58%
EPS Next 3YN/A
CCNE Yearly Income VS Free CF VS DividendCCNE 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
CCNE Dividend Payout.CCNE Dividend Payout, showing the Payout Ratio.CCNE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CCNE Fundamentals: All Metrics, Ratios and Statistics

CNB FINANCIAL CORP/PA

NASDAQ:CCNE (3/6/2026, 8:05:03 PM)

After market: 27.48 0 (0%)

27.48

-0.38 (-1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-13
Inst Owners63.11%
Inst Owner Change4.52%
Ins Owners2.59%
Ins Owner Change3.66%
Market Cap809.84M
Revenue(TTM)N/A
Net Income(TTM)42.92M
Analysts82.22
Price Target33.32 (21.25%)
Short Float %1.01%
Short Ratio1.9
Dividend
Industry RankSector Rank
Dividend Yield 2.73%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-Date02-27
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)15.29%
PT rev (3m)15.29%
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 9.51
Fwd PE 7.89
P/S 3.17
P/FCF 15.72
P/OCF 13.25
P/B 0.96
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)2.89
EY10.52%
EPS(NY)3.48
Fwd EY12.67%
FCF(TTM)1.75
FCFY6.36%
OCF(TTM)2.07
OCFY7.55%
SpS8.66
BVpS28.65
TBVpS24.2
PEG (NY)0.46
PEG (5Y)3.33
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
WACC19.5%
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 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 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 FAQ

What is the fundamental rating for CCNE stock?

ChartMill assigns a fundamental rating of 3 / 10 to CCNE.


Can you provide the valuation status for CNB FINANCIAL CORP/PA?

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


What is the profitability of CCNE stock?

CNB FINANCIAL CORP/PA (CCNE) has a profitability rating of 2 / 10.


What is the financial health of CNB FINANCIAL CORP/PA (CCNE) stock?

The financial health rating of CNB FINANCIAL CORP/PA (CCNE) is 1 / 10.


Can you provide the dividend sustainability for CCNE stock?

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