27.4395 USD
+0.14 (+0.51%)
Last: Jan 30, 2026, 09:39 AM
Overall CCNE gets a fundamental rating of 3 out of 10. We evaluated CCNE against 383 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE has a decent growth rate and is not valued too expensively. Finally CCNE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CCNE had positive earnings in the past year.
- CCNE had a positive operating cash flow in the past year.
- Of the past 5 years CCNE 4 years were profitable.
- Of the past 5 years CCNE 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CCNE (0.52%) is worse than 76.24% of its industry peers.
- CCNE has a worse Return On Equity (5.08%) than 76.50% 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
- CCNE's Profit Margin of 16.82% is on the low side compared to the rest of the industry. CCNE is outperformed by 73.11% of its industry peers.
- In the last couple of years the Profit Margin of CCNE has declined.
- The Operating Margin and Gross Margin are not available for CCNE 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
- CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for CCNE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- The Debt to FCF ratio of CCNE is 5.92, which is a neutral value as it means it would take CCNE, 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, CCNE is doing worse than 74.41% of the companies in the same industry.
- A Debt/Equity ratio of 0.36 indicates that CCNE is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.36, CCNE is doing worse than 71.28% 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
WACC19.66%
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 impressive 21.43% over the past year.
- Measured over the past 5 years, CCNE shows a small growth in Earnings Per Share. The EPS has been growing by 2.86% on average per year.
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 18.37% on average over the next years. This is quite good.
- The Revenue is expected to grow by 16.71% on average over the next years. This is quite good.
EPS Next Y22.19%
EPS Next 2Y18.37%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year26.32%
Revenue Next 2Y16.71%
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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.49 indicates a reasonable valuation of CCNE.
- Compared to the rest of the industry, the Price/Earnings ratio of CCNE indicates a rather cheap valuation: CCNE is cheaper than 86.95% of the companies listed in the same industry.
- CCNE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- With a Price/Forward Earnings ratio of 7.77, the valuation of CCNE can be described as very cheap.
- Based on the Price/Forward Earnings ratio, CCNE is valued cheaply inside the industry as 92.17% of the companies are valued more expensively.
- CCNE is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.49 | ||
| Fwd PE | 7.77 |
4.2 Price Multiples
- 64.75% of the companies in the same industry are cheaper than CCNE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.7 | ||
| 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.
- CCNE's earnings are expected to grow with 18.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.43
PEG (5Y)3.32
EPS Next 2Y18.37%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.68%, CCNE has a reasonable but not impressive dividend return.
- CCNE's Dividend Yield is comparable with the industry average which is at 2.65.
- CCNE's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
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
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.
- The dividend of CCNE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.85%
EPS Next 2Y18.37%
EPS Next 3YN/A
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%.