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CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

NASDAQ:CCNE - Nasdaq - US1261281075 - Common Stock - Currency: USD

21.16  -0.21 (-0.98%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CCNE. CCNE was compared to 398 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE is valued quite cheap, while showing a decent growth score. This is a good combination! Finally CCNE also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CCNE had positive earnings in the past year.
In the past year CCNE had a positive cash flow from operations.
In the past 5 years CCNE has always been profitable.
CCNE had a positive operating cash flow in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

CCNE has a Return On Assets of 0.81%. This is comparable to the rest of the industry: CCNE outperforms 49.75% of its industry peers.
With a Return On Equity value of 8.17%, CCNE perfoms like the industry average, outperforming 47.99% of the companies in the same industry.
Industry RankSector Rank
ROA 0.81%
ROE 8.17%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 22.01%, CCNE perfoms like the industry average, outperforming 44.97% of the companies in the same industry.
In the last couple of years the Profit Margin of CCNE has declined.
CCNE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.01%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CCNE has been increased compared to 1 year ago.
The number of shares outstanding for CCNE has been increased compared to 5 years ago.
The debt/assets ratio for CCNE is higher compared to a year ago.
CCNE Yearly Shares OutstandingCCNE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

The Debt to FCF ratio of CCNE is 2.18, which is a good value as it means it would take CCNE, 2.18 years of fcf income to pay off all of its debts.
CCNE has a Debt to FCF ratio (2.18) which is comparable to the rest of the industry.
CCNE has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.20, CCNE is in line with its industry, outperforming 48.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.18
Altman-Z N/A
ROIC/WACCN/A
WACC26.55%
CCNE Yearly LT Debt VS Equity VS FCFCCNE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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6

3. Growth

3.1 Past

CCNE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.84%.
The Earnings Per Share has been decreasing by -1.98% on average over the past years.
Looking at the last year, CCNE shows a small growth in Revenue. The Revenue has grown by 1.53% in the last year.
CCNE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.77% yearly.
EPS 1Y (TTM)0.84%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%3.64%
Revenue 1Y (TTM)1.53%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%7.1%

3.2 Future

Based on estimates for the next years, CCNE will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.46% on average per year.
CCNE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.93% yearly.
EPS Next Y9.56%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.77%
Revenue Next 2Y27.93%
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.
CCNE Yearly Revenue VS EstimatesCCNE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M
CCNE Yearly EPS VS EstimatesCCNE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.82, which indicates a very decent valuation of CCNE.
CCNE's Price/Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 81.41% of the companies in the same industry.
CCNE is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 6.23, the valuation of CCNE can be described as very cheap.
93.47% of the companies in the same industry are more expensive than CCNE, based on the Price/Forward Earnings ratio.
CCNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.32.
Industry RankSector Rank
PE 8.82
Fwd PE 6.23
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

Based on the Price/Free Cash Flow ratio, CCNE is valued a bit cheaper than the industry average as 72.86% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.04
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.
A more expensive valuation may be justified as CCNE's earnings are expected to grow with 19.46% in the coming years.
PEG (NY)0.92
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

CCNE has a Yearly Dividend Yield of 3.37%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.66, CCNE has a dividend in line with its industry peers.
CCNE's Dividend Yield is a higher than the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 3.37%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

38.52% of the earnings are spent on dividend by CCNE. This is a low number and sustainable payout ratio.
The dividend of CCNE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP38.52%
EPS Next 2Y19.46%
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 2015 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

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CNB FINANCIAL CORP/PA

NASDAQ:CCNE (4/21/2025, 3:53:47 PM)

21.16

-0.21 (-0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)07-16 2025-07-16/amc
Inst Owners59.71%
Inst Owner Change-0.22%
Ins Owners1.98%
Ins Owner Change0.6%
Market Cap443.94M
Analysts82.5
Price Target28.56 (34.97%)
Short Float %1.41%
Short Ratio3.26
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP38.52%
Div Incr Years1
Div Non Decr Years30
Ex-Date02-28 2025-02-28 (0.18)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.99%
Min EPS beat(2)5.47%
Max EPS beat(2)10.51%
EPS beat(4)4
Avg EPS beat(4)7.76%
Min EPS beat(4)5.47%
Max EPS beat(4)10.51%
EPS beat(8)6
Avg EPS beat(8)5.07%
EPS beat(12)8
Avg EPS beat(12)3.15%
EPS beat(16)11
Avg EPS beat(16)2.7%
Revenue beat(2)0
Avg Revenue beat(2)-0.99%
Min Revenue beat(2)-1.97%
Max Revenue beat(2)0%
Revenue beat(4)0
Avg Revenue beat(4)-1.75%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)0%
Revenue beat(8)3
Avg Revenue beat(8)7.85%
Revenue beat(12)7
Avg Revenue beat(12)11.19%
Revenue beat(16)11
Avg Revenue beat(16)12.26%
PT rev (1m)0%
PT rev (3m)-3.45%
EPS NQ rev (1m)1.33%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)-4.63%
EPS NY rev (3m)-0.57%
Revenue NQ rev (1m)0.84%
Revenue NQ rev (3m)0.95%
Revenue NY rev (1m)4.7%
Revenue NY rev (3m)15.6%
Valuation
Industry RankSector Rank
PE 8.82
Fwd PE 6.23
P/S 1.96
P/FCF 8.04
P/OCF 6.21
P/B 0.73
P/tB 0.79
EV/EBITDA N/A
EPS(TTM)2.4
EY11.34%
EPS(NY)3.4
Fwd EY16.05%
FCF(TTM)2.63
FCFY12.44%
OCF(TTM)3.41
OCFY16.11%
SpS10.8
BVpS29.11
TBVpS26.95
PEG (NY)0.92
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 8.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.01%
GM N/A
FCFM 24.37%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF 2.18
Debt/EBITDA N/A
Cap/Depr 196.93%
Cap/Sales 7.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 110.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC26.55%
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)0.84%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%3.64%
EPS Next Y9.56%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.53%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%7.1%
Revenue Next Year25.77%
Revenue Next 2Y27.93%
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 1Y53.19%
FCF growth 3Y1.74%
FCF growth 5Y5.14%
OCF growth 1Y52.08%
OCF growth 3Y6.67%
OCF growth 5Y6.56%