26.695 USD
-0.41 (-1.49%)
We assign a fundamental rating of 4 out of 10 to CCNE. CCNE was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. CCNE is not overvalued while it is showing excellent growth. This is an interesting combination. CCNE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CCNE was profitable.
- CCNE had a positive operating cash flow in the past year.
- Each year in the past 5 years CCNE has been profitable.
- Each year in the past 5 years CCNE had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CCNE (0.52%) is worse than 75.98% of its industry peers.
- With a Return On Equity value of 5.08%, CCNE is not doing good in the industry: 76.24% of the companies in the same industry are doing better.
| 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 has a Profit Margin of 16.82%. This is in the lower half of the industry: CCNE underperforms 72.85% 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.
- The number of shares outstanding for CCNE has been increased compared to 1 year ago.
- CCNE has more shares outstanding than it did 5 years ago.
- 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.
- CCNE's Debt to FCF ratio of 5.92 is on the low side compared to the rest of the industry. CCNE is outperformed by 74.41% of its industry peers.
- 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 71.02% 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
WACC19.71%
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.
- The Revenue has grown by 13.90% in the past year. This is quite good.
- 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
- 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.
- 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
- CCNE is valuated reasonably with a Price/Earnings ratio of 9.96.
- CCNE's Price/Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 82.51% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, CCNE is valued rather cheaply.
- CCNE is valuated cheaply with a Price/Forward Earnings ratio of 7.56.
- Based on the Price/Forward Earnings ratio, CCNE is valued cheaply inside the industry as 91.64% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, CCNE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.96 | ||
| Fwd PE | 7.56 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CCNE is valued a bit more expensive than 64.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.27 | ||
| EV/EBITDA | N/A |
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 19.38% 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 2.67%, CCNE has a reasonable but not impressive dividend return.
- CCNE's Dividend Yield is comparable with the industry average which is at 2.86.
- CCNE's Dividend Yield is a higher than the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
5.2 History
- The dividend of CCNE is nicely growing with an annual growth rate of 6.12%!
- CCNE has been paying a dividend for at least 10 years, so it has 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%
NASDAQ:CCNE (1/20/2026, 3:45:21 PM)
26.695
-0.41 (-1.49%)
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-0.06%
Ins Owners2.32%
Ins Owner Change-2.68%
Market Cap786.97M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.9 (8.26%)
Short Float %1.36%
Short Ratio3.13
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
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)-9.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.96 | ||
| Fwd PE | 7.56 | ||
| P/S | 3.08 | ||
| P/FCF | 15.27 | ||
| P/OCF | 12.88 | ||
| P/B | 0.93 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.04%
EPS(NY)3.53
Fwd EY13.23%
FCF(TTM)1.75
FCFY6.55%
OCF(TTM)2.07
OCFY7.77%
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
WACC19.71%
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%.