CNB FINANCIAL CORP/PA (CCNE) Fundamental Analysis & Valuation

NASDAQ:CCNE • US1261281075

Current stock price

30.17 USD
-0.32 (-1.05%)
At close:
30.17 USD
0 (0%)
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This CCNE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CCNE Profitability Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • CCNE has a worse Return On Assets (0.73%) than 72.61% of its industry peers.
  • With a Return On Equity value of 7.04%, CCNE is not doing good in the industry: 71.28% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.73%
ROE 7.04%
ROIC N/A
ROA(3y)0.82%
ROA(5y)0.91%
ROE(3y)8.19%
ROE(5y)9.53%
ROIC(3y)N/A
ROIC(5y)N/A
CCNE Yearly ROA, ROE, ROICCCNE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CCNE (21.75%) is worse than 67.82% of its industry peers.
  • In the last couple of years the Profit Margin of CCNE has grown nicely.
  • CCNE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.75%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.97%
PM growth 5Y2.36%
GM growth 3YN/A
GM growth 5YN/A
CCNE Yearly Profit, Operating, Gross MarginsCCNE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CCNE Health Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
CCNE Yearly Total Debt VS Total AssetsCCNE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of CCNE is 4.90, which is a neutral value as it means it would take CCNE, 4.90 years of fcf income to pay off all of its debts.
  • CCNE's Debt to FCF ratio of 4.90 is on the low side compared to the rest of the industry. CCNE is outperformed by 70.74% of its industry peers.
  • A Debt/Equity ratio of 0.33 indicates that CCNE is not too dependend on debt financing.
  • The Debt to Equity ratio of CCNE (0.33) is worse than 70.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.9
Altman-Z N/A
ROIC/WACCN/A
WACC18.31%
CCNE Yearly LT Debt VS Equity VS FCFCCNE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. CCNE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 33.33% over the past year.
  • Measured over the past 5 years, CCNE shows a small growth in Earnings Per Share. The EPS has been growing by 2.86% on average per year.
  • CCNE shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.55%.
  • The Revenue has been growing by 11.63% on average over the past years. This is quite good.
EPS 1Y (TTM)33.33%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%54.39%
Revenue 1Y (TTM)24.55%
Revenue growth 3Y7.92%
Revenue growth 5Y11.63%
Sales Q2Q%73.57%

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 17.06% yearly.
  • Based on estimates for the next years, CCNE will show a very strong growth in Revenue. The Revenue will grow by 20.93% on average per year.
EPS Next Y22.93%
EPS Next 2Y17.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.67%
Revenue Next 2Y20.93%
Revenue Next 3YN/A
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.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CCNE Yearly EPS VS EstimatesCCNE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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Find the best growth stocksShow best growing peers

6

4. CCNE Valuation Analysis

4.1 Price/Earnings Ratio

  • CCNE is valuated reasonably with a Price/Earnings ratio of 9.43.
  • Based on the Price/Earnings ratio, CCNE is valued cheaper than 84.84% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. CCNE is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 7.62, which indicates a rather cheap valuation of CCNE.
  • Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 90.69% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, CCNE is valued rather cheaply.
Industry RankSector Rank
PE 9.43
Fwd PE 7.62
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 more expensive when compared to the industry. CCNE is more expensive than 63.56% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.25
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

  • 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 17.06% in the coming years.
PEG (NY)0.41
PEG (5Y)3.3
EPS Next 2Y17.06%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CCNE Dividend Analysis

5.1 Amount

  • CCNE has a Yearly Dividend Yield of 2.49%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, CCNE has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, CCNE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.49%

5.2 History

  • The dividend of CCNE has a limited annual growth rate of 3.29%.
  • 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)3.29%
Div Incr Years2
Div Non Decr Years31
CCNE Yearly Dividends per shareCCNE Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • CCNE pays out 36.64% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of CCNE is growing, but earnings are growing more, so the dividend growth is sustainable.
DP36.64%
EPS Next 2Y17.06%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
CCNE Dividend Payout.CCNE Dividend Payout, showing the Payout Ratio.CCNE Dividend Payout.PayoutRetained Earnings

More info and screens

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CCNE Fundamentals: All Metrics, Ratios and Statistics

CNB FINANCIAL CORP/PA

NASDAQ:CCNE (4/24/2026, 8:25:39 PM)

After market: 30.17 0 (0%)

30.17

-0.32 (-1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners62.73%
Inst Owner Change-0.54%
Ins Owners2.68%
Ins Owner Change3.69%
Market Cap894.24M
Revenue(TTM)282.20M
Net Income(TTM)61.38M
Analysts82.22
Price Target33.32 (10.44%)
Short Float %1.84%
Short Ratio3.08
Dividend
Industry RankSector Rank
Dividend Yield 2.49%
Yearly Dividend0.89
Dividend Growth(5Y)3.29%
DP36.64%
Div Incr Years2
Div Non Decr Years31
Ex-Date02-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.36%
Min EPS beat(2)8.33%
Max EPS beat(2)10.38%
EPS beat(4)3
Avg EPS beat(4)4.55%
Min EPS beat(4)-4.09%
Max EPS beat(4)10.38%
EPS beat(8)7
Avg EPS beat(8)6.16%
EPS beat(12)9
Avg EPS beat(12)4.9%
EPS beat(16)11
Avg EPS beat(16)3.5%
Revenue beat(2)0
Avg Revenue beat(2)-6.55%
Min Revenue beat(2)-12.31%
Max Revenue beat(2)-0.79%
Revenue beat(4)0
Avg Revenue beat(4)-5.24%
Min Revenue beat(4)-12.31%
Max Revenue beat(4)-0.79%
Revenue beat(8)0
Avg Revenue beat(8)-3.49%
Revenue beat(12)3
Avg Revenue beat(12)3.49%
Revenue beat(16)7
Avg Revenue beat(16)7.08%
PT rev (1m)0%
PT rev (3m)15.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.95%
EPS NY rev (1m)0%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.6%
Valuation
Industry RankSector Rank
PE 9.43
Fwd PE 7.62
P/S 3.17
P/FCF 15.25
P/OCF 13.76
P/B 1.03
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)3.2
EY10.61%
EPS(NY)3.96
Fwd EY13.13%
FCF(TTM)1.98
FCFY6.56%
OCF(TTM)2.19
OCFY7.27%
SpS9.52
BVpS29.42
TBVpS25.21
PEG (NY)0.41
PEG (5Y)3.3
Graham Number46.0275 (52.56%)
Profitability
Industry RankSector Rank
ROA 0.73%
ROE 7.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.75%
GM N/A
FCFM 20.78%
ROA(3y)0.82%
ROA(5y)0.91%
ROE(3y)8.19%
ROE(5y)9.53%
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-5.97%
PM growth 5Y2.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.9
Debt/EBITDA N/A
Cap/Depr 58.06%
Cap/Sales 2.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.31%
ROIC/WACCN/A
Cap/Depr(3y)132.26%
Cap/Depr(5y)137.53%
Cap/Sales(3y)4.78%
Cap/Sales(5y)4.64%
Profit Quality(3y)91.26%
Profit Quality(5y)92.1%
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%54.39%
EPS Next Y22.93%
EPS Next 2Y17.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.55%
Revenue growth 3Y7.92%
Revenue growth 5Y11.63%
Sales Q2Q%73.57%
Revenue Next Year36.67%
Revenue Next 2Y20.93%
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 1Y6.2%
FCF growth 3Y4.25%
FCF growth 5Y20.46%
OCF growth 1Y-9.13%
OCF growth 3Y0.48%
OCF growth 5Y17.71%

CNB FINANCIAL CORP/PA / CCNE Fundamental Analysis FAQ

What is the fundamental rating for CCNE stock?

ChartMill assigns a fundamental rating of 4 / 10 to CCNE.


What is the valuation status of CNB FINANCIAL CORP/PA (CCNE) stock?

ChartMill assigns a valuation rating of 6 / 10 to CNB FINANCIAL CORP/PA (CCNE). This can be considered as Fairly Valued.


Can you provide the profitability details for CNB FINANCIAL CORP/PA?

CNB FINANCIAL CORP/PA (CCNE) has a profitability rating of 3 / 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.


What is the earnings growth outlook for CNB FINANCIAL CORP/PA?

The Earnings per Share (EPS) of CNB FINANCIAL CORP/PA (CCNE) is expected to grow by 22.93% in the next year.