CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis
USA - NASDAQ:CCNE - US1261281075 - Common Stock
24.98 USD
+0.78 (+3.22%)
We assign a fundamental rating of 4 out of 10 to CCNE. CCNE was compared to 388 industry peers in the Banks industry. CCNE has a bad profitability rating. Also its financial health evaluation is rather negative. CCNE is evaluated to be cheap and growing strongly. This does not happen too often!
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.
CCNE had positive earnings in each of the past 5 years.
CCNE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.52%, CCNE is doing worse than 75.52% of the companies in the same industry.
CCNE has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNE underperforms 76.55% 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: 71.91% of the companies in the same industry are doing better.
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 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.
Compared to 1 year ago, CCNE has more shares outstanding
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.
CCNE has a worse Debt to FCF ratio (5.92) than 72.42% 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.
CCNE's Debt to Equity ratio of 0.36 is on the low side compared to the rest of the industry. CCNE is outperformed by 71.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.73%
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.
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 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
Based on estimates for the next years, CCNE will show a very strong growth in Earnings Per Share. The EPS will grow by 22.21% 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 21.07% on average per year.
EPS Next Y19.64%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
EPS Next 5YN/A
Revenue Next Year28.94%
Revenue Next 2Y28.31%
Revenue Next 3Y21.07%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 9.32, the valuation of CCNE can be described as very reasonable.
Based on the Price/Earnings ratio, CCNE is valued cheaper than 83.76% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.07, CCNE is valued rather cheaply.
CCNE is valuated cheaply with a Price/Forward Earnings ratio of 6.88.
Based on the Price/Forward Earnings ratio, CCNE is valued cheaply inside the industry as 92.01% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, CCNE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.32 | ||
| Fwd PE | 6.88 |
4.2 Price Multiples
CCNE's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.29 | ||
| 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.
CCNE's earnings are expected to grow with 22.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y23.53%
EPS Next 3Y22.21%
5. Dividend
5.1 Amount
CCNE has a Yearly Dividend Yield of 2.88%.
Compared to an average industry Dividend Yield of 3.39, CCNE has a dividend in line with its industry peers.
CCNE's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
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 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
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.
The dividend of CCNE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP48.85%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
NASDAQ:CCNE (11/21/2025, 3:26:58 PM)
24.98
+0.78 (+3.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.77%
Inst Owner Change32.97%
Ins Owners2.39%
Ins Owner Change0.73%
Market Cap736.41M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.22 (12.97%)
Short Float %1%
Short Ratio2.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.88% |
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-Date
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)-1.19%
PT rev (3m)-1.19%
EPS NQ rev (1m)-1.02%
EPS NQ rev (3m)-1.02%
EPS NY rev (1m)1.41%
EPS NY rev (3m)7.38%
Revenue NQ rev (1m)-9.9%
Revenue NQ rev (3m)-5.61%
Revenue NY rev (1m)-3.26%
Revenue NY rev (3m)-4.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.32 | ||
| Fwd PE | 6.88 | ||
| P/S | 2.89 | ||
| P/FCF | 14.29 | ||
| P/OCF | 12.05 | ||
| P/B | 0.87 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.73%
EPS(NY)3.63
Fwd EY14.54%
FCF(TTM)1.75
FCFY7%
OCF(TTM)2.07
OCFY8.3%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.47
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
WACC20.73%
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 Y19.64%
EPS Next 2Y23.53%
EPS Next 3Y22.21%
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.
What is the valuation status for CCNE stock?
ChartMill assigns a valuation rating of 7 / 10 to CNB FINANCIAL CORP/PA (CCNE). This can be considered as Undervalued.
How profitable is CNB FINANCIAL CORP/PA (CCNE) stock?
CNB FINANCIAL CORP/PA (CCNE) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CNB FINANCIAL CORP/PA (CCNE) stock?
The Price/Earnings (PE) ratio for CNB FINANCIAL CORP/PA (CCNE) is 9.32 and the Price/Book (PB) ratio is 0.87.
Can you provide the expected EPS growth for CCNE stock?
The Earnings per Share (EPS) of CNB FINANCIAL CORP/PA (CCNE) is expected to grow by 19.64% in the next year.