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

NASDAQ:CCNE • US1261281075

Current stock price

27.13 USD
+0.04 (+0.15%)
At close:
27.13 USD
0 (0%)
After Hours:

This CCNE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CCNE Profitability Analysis

1.1 Basic Checks

  • CCNE had positive earnings in the past year.
  • In the past year CCNE had a positive cash flow from operations.
  • Of the past 5 years CCNE 4 years were profitable.
  • Of the past 5 years CCNE 4 years 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 20M 40M 60M

1.2 Ratios

  • CCNE has a worse Return On Assets (0.52%) than 79.79% of its industry peers.
  • CCNE has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNE underperforms 79.27% of its industry peers.
Industry RankSector 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
CCNE Yearly ROA, ROE, ROICCCNE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 16.82%, CCNE is not doing good in the industry: 76.38% of the companies in the same industry are doing better.
  • CCNE's Profit Margin has declined in the last couple of years.
  • 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) 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
CCNE Yearly Profit, Operating, Gross MarginsCCNE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

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.
  • 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.
CCNE Yearly Shares OutstandingCCNE Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of CCNE is 5.92, which is a neutral value as it means it would take CCNE, 5.92 years of fcf income to pay off all of its debts.
  • CCNE has a worse Debt to FCF ratio (5.92) than 74.02% 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 70.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 5.92
Altman-Z N/A
ROIC/WACCN/A
WACC19.74%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

More info and screens

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

5

3. CCNE Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 2.86% on average over the past years.
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

  • The Earnings Per Share is expected to grow by 17.06% on average over the next years. This is quite good.
  • 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

  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. CCNE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.39, the valuation of CCNE can be described as reasonable.
  • 81.89% 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 25.71. CCNE is valued rather cheaply when compared to this.
  • CCNE is valuated cheaply with a Price/Forward Earnings ratio of 7.64.
  • CCNE's Price/Forward Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 88.71% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CCNE to the average of the S&P500 Index (23.83), we can say CCNE is valued rather cheaply.
Industry RankSector Rank
PE 9.39
Fwd PE 7.64
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

  • 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 67.45% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.52
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 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)3.28
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 2.81%.
  • CCNE's Dividend Yield is comparable with the industry average which is at 2.90.
  • CCNE's Dividend Yield is a higher than the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.81%

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
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 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 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 10M 20M 30M 40M 50M
CCNE Dividend Payout.CCNE Dividend Payout, showing the Payout Ratio.CCNE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CCNE Fundamentals: All Metrics, Ratios and Statistics

CNB FINANCIAL CORP/PA

NASDAQ:CCNE (3/13/2026, 8:14:04 PM)

After market: 27.13 0 (0%)

27.13

+0.04 (+0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-13
Inst Owners63.11%
Inst Owner Change4.4%
Ins Owners2.59%
Ins Owner Change3.66%
Market Cap799.52M
Revenue(TTM)N/A
Net Income(TTM)42.92M
Analysts82.22
Price Target33.32 (22.82%)
Short Float %1.01%
Short Ratio1.9
Dividend
Industry RankSector Rank
Dividend Yield 2.81%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-Date02-27
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)14.62%
PT rev (3m)15.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.16%
EPS NY rev (1m)0%
EPS NY rev (3m)1.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 9.39
Fwd PE 7.64
P/S 3.13
P/FCF 15.52
P/OCF 13.08
P/B 0.95
P/tB 1.12
EV/EBITDA N/A
EPS(TTM)2.89
EY10.65%
EPS(NY)3.55
Fwd EY13.09%
FCF(TTM)1.75
FCFY6.44%
OCF(TTM)2.07
OCFY7.64%
SpS8.66
BVpS28.65
TBVpS24.2
PEG (NY)0.41
PEG (5Y)3.28
Graham Number43.16
Profitability
Industry RankSector 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 RankSector 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
WACC19.74%
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)21.43%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%31.82%
EPS Next Y22.93%
EPS Next 2Y17.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%51.45%
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 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 Fundamental Analysis 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%.