28.29 USD
+0.59 (+2.13%)
At close: Feb 2, 2026
28.29 USD
0 (0%)
After Hours: 2/2/2026, 8:00:03 PM
We assign a fundamental rating of 3 out of 10 to CCNE. CCNE was compared to 383 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE has a correct valuation and a medium growth rate. Finally CCNE also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CCNE was profitable.
- In the past year CCNE had a positive cash flow from operations.
- Of the past 5 years CCNE 4 years were profitable.
- CCNE had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a Return On Assets value of 0.52%, CCNE is not doing good in the industry: 76.50% of the companies in the same industry are doing better.
- CCNE has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNE underperforms 76.76% 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 has a worse Profit Margin (16.82%) than 73.11% of its industry peers.
- 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 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
- 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 73.89% 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.
- With a Debt to Equity ratio value of 0.36, CCNE is not doing good in the industry: 71.02% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.32%
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 21.43%, which is quite impressive.
- CCNE shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.86% yearly.
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
- Based on estimates for the next years, CCNE will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.37% on average per year.
- 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
- Based on the Price/Earnings ratio of 9.79, the valuation of CCNE can be described as reasonable.
- 86.68% of the companies in the same industry are more expensive than CCNE, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.41. CCNE is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 8.01, the valuation of CCNE can be described as reasonable.
- Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 91.64% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.64. CCNE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.79 | ||
| Fwd PE | 8.01 |
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 64.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.19 | ||
| 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 18.37% in the coming years.
PEG (NY)0.44
PEG (5Y)3.42
EPS Next 2Y18.37%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CCNE has a Yearly Dividend Yield of 2.60%. Purely for dividend investing, there may be better candidates out there.
- CCNE's Dividend Yield is comparable with the industry average which is at 2.67.
- Compared to an average S&P500 Dividend Yield of 1.83, CCNE pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.6% |
5.2 History
- The dividend of CCNE is nicely growing with an annual growth rate of 6.12%!
- 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
- 48.85% of the earnings are spent on dividend by CCNE. 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 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%.