26.4 USD
+0.47 (+1.81%)
26.4 USD
0 (0%)
Overall CCNE gets a fundamental rating of 4 out of 10. We evaluated CCNE against 383 industry peers in the Banks industry. CCNE may be in some trouble as it scores bad on both profitability and health. CCNE is not priced too expensively while it is growing strongly. Keep and eye on this one! 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.
- In the past 5 years CCNE has always been profitable.
- CCNE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- CCNE has a Return On Assets of 0.52%. This is in the lower half of the industry: CCNE underperforms 75.98% of its industry peers.
- CCNE's Return On Equity of 5.08% is on the low side compared to the rest of the industry. CCNE is outperformed by 76.24% 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
- With a Profit Margin value of 16.82%, CCNE is not doing good in the industry: 72.85% of the companies in the same industry are doing better.
- CCNE's Profit Margin has declined in the last couple of years.
- CCNE 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
- CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.
- CCNE has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, CCNE has more shares outstanding
- Compared to 1 year ago, CCNE has a worse debt to assets ratio.
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.
- The Debt to FCF ratio of CCNE (5.92) is worse than 74.41% of its industry peers.
- CCNE has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of CCNE (0.36) is worse than 71.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CCNE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.53%, which is quite good.
- Measured over the past years, CCNE shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.98% on average per year.
- Looking at the last year, CCNE shows a quite strong growth in Revenue. The Revenue has grown by 13.90% in the last year.
- Measured over the past years, CCNE shows a quite strong growth in Revenue. The Revenue has been growing by 9.77% on average per year.
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
- CCNE 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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.85, the valuation of CCNE can be described as reasonable.
- Based on the Price/Earnings ratio, CCNE is valued cheaply inside the industry as 84.07% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of CCNE to the average of the S&P500 Index (27.33), we can say CCNE is valued rather cheaply.
- A Price/Forward Earnings ratio of 7.48 indicates a rather cheap valuation of CCNE.
- Based on the Price/Forward Earnings ratio, CCNE is valued cheaply inside the industry as 92.43% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of CCNE to the average of the S&P500 Index (24.12), we can say CCNE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 7.48 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CCNE indicates a slightly more expensive valuation: CCNE is more expensive than 63.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.11 | ||
| 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.
- A more expensive valuation may be justified as CCNE's earnings are expected to grow with 19.38% in the coming years.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y21.81%
EPS Next 3Y19.38%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.72%, CCNE has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.89, 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 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
5.2 History
- On average, the dividend of CCNE grows each year by 6.12%, which is quite nice.
- CCNE has paid a dividend for at least 10 years, which is a reliable track record.
- CCNE has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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.
- CCNE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.85%
EPS Next 2Y21.81%
EPS Next 3Y19.38%
26.4
+0.47 (+1.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners61.31%
Inst Owner Change-0.02%
Ins Owners2.32%
Ins Owner Change-2.68%
Market Cap778.27M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.9 (9.47%)
Short Float %1.32%
Short Ratio3.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-DateN/A
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%
PT rev (3m)1.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.09%
EPS NY rev (1m)0%
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 | 9.85 | ||
| Fwd PE | 7.48 | ||
| P/S | 3.05 | ||
| P/FCF | 15.11 | ||
| P/OCF | 12.73 | ||
| P/B | 0.92 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.15%
EPS(NY)3.53
Fwd EY13.38%
FCF(TTM)1.75
FCFY6.62%
OCF(TTM)2.07
OCFY7.85%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.54
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
WACC19.91%
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 FAQ
What is the fundamental rating for CCNE stock?
ChartMill assigns a fundamental rating of 4 / 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%.