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CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

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

24.41  +0.41 (+1.71%)

After market: 24.41 0 (0%)

Fundamental Rating

4

CCNE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE is not valued too expensively and it also shows a decent growth rate. 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.
CCNE had a positive operating cash flow in the past year.
In the past 5 years CCNE has always been profitable.
Each year in the past 5 years CCNE 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

CCNE's Return On Assets of 0.78% is in line compared to the rest of the industry. CCNE outperforms 43.07% of its industry peers.
CCNE has a Return On Equity (7.81%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.78%
ROE 7.81%
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

CCNE has a Profit Margin (21.28%) which is comparable to the rest of the industry.
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) 21.28%
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.
Compared to 1 year ago, CCNE has more shares outstanding
CCNE has more shares outstanding than it did 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 2.19, which is a good value as it means it would take CCNE, 2.19 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.19, CCNE perfoms like the industry average, outperforming 45.09% of the companies in the same industry.
CCNE has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
CCNE has a Debt to Equity ratio of 0.19. This is comparable to the rest of the industry: CCNE outperforms 42.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.19
Altman-Z N/A
ROIC/WACCN/A
WACC24.77%
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%.
CCNE shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.98% yearly.
The Revenue has been growing slightly by 3.47% in the past year.
The Revenue has been growing by 9.77% on average over the past years. This is quite good.
EPS 1Y (TTM)0.84%
EPS 3Y-8.73%
EPS 5Y-1.98%
EPS Q2Q%3.64%
Revenue 1Y (TTM)3.47%
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.
Based on estimates for the next years, CCNE will show a very strong growth in Revenue. The Revenue will grow by 30.60% on average per year.
EPS Next Y9.56%
EPS Next 2Y19.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.55%
Revenue Next 2Y30.6%
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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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.17, the valuation of CCNE can be described as reasonable.
83.12% of the companies in the same industry are more expensive than CCNE, based on the Price/Earnings ratio.
CCNE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.45.
The Price/Forward Earnings ratio is 7.19, which indicates a rather cheap valuation of CCNE.
Based on the Price/Forward Earnings ratio, CCNE is valued cheaply inside the industry as 89.92% of the companies are valued more expensively.
CCNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.90.
Industry RankSector Rank
PE 10.17
Fwd PE 7.19
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

CCNE's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CCNE is cheaper than 72.04% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.3
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

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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)1.06
PEG (5Y)N/A
EPS Next 2Y19.46%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.95%, CCNE has a reasonable but not impressive dividend return.
CCNE's Dividend Yield is comparable with the industry average which is at 3.40.
CCNE's Dividend Yield is a higher than the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.95%

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

CCNE pays out 39.57% of its income as dividend. This is a sustainable payout ratio.
CCNE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.57%
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 (7/3/2025, 7:08:14 PM)

After market: 24.41 0 (0%)

24.41

+0.41 (+1.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners62.66%
Inst Owner Change3.76%
Ins Owners2.28%
Ins Owner Change5.78%
Market Cap512.12M
Analysts84.44
Price Target26.69 (9.34%)
Short Float %2.77%
Short Ratio8.81
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP39.57%
Div Incr Years1
Div Non Decr Years30
Ex-Date05-30 2025-05-30 (0.18)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)3.21%
Min EPS beat(2)-4.09%
Max EPS beat(2)10.51%
EPS beat(4)3
Avg EPS beat(4)4.91%
Min EPS beat(4)-4.09%
Max EPS beat(4)10.51%
EPS beat(8)6
Avg EPS beat(8)5.03%
EPS beat(12)7
Avg EPS beat(12)1.77%
EPS beat(16)10
Avg EPS beat(16)2.3%
Revenue beat(2)0
Avg Revenue beat(2)-3.04%
Min Revenue beat(2)-4.1%
Max Revenue beat(2)-1.97%
Revenue beat(4)0
Avg Revenue beat(4)-2%
Min Revenue beat(4)-4.1%
Max Revenue beat(4)0%
Revenue beat(8)2
Avg Revenue beat(8)6.39%
Revenue beat(12)6
Avg Revenue beat(12)8.99%
Revenue beat(16)10
Avg Revenue beat(16)10.85%
PT rev (1m)0%
PT rev (3m)-6.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.46%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)11.18%
Valuation
Industry RankSector Rank
PE 10.17
Fwd PE 7.19
P/S 2.23
P/FCF 9.3
P/OCF 7.25
P/B 0.82
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)2.4
EY9.83%
EPS(NY)3.4
Fwd EY13.91%
FCF(TTM)2.63
FCFY10.76%
OCF(TTM)3.37
OCFY13.8%
SpS10.93
BVpS29.77
TBVpS27.61
PEG (NY)1.06
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.78%
ROE 7.81%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.28%
GM N/A
FCFM 24.02%
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 0.19
Debt/FCF 2.19
Debt/EBITDA N/A
Cap/Depr 184.67%
Cap/Sales 6.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC24.77%
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)3.47%
Revenue growth 3Y5.46%
Revenue growth 5Y9.77%
Sales Q2Q%7.1%
Revenue Next Year33.55%
Revenue Next 2Y30.6%
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 1Y7.71%
FCF growth 3Y1.74%
FCF growth 5Y5.14%
OCF growth 1Y8.58%
OCF growth 3Y6.67%
OCF growth 5Y6.56%