CNB FINANCIAL CORP/PA (CCNE) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:CCNE • US1261281075

29.37 USD
+0.31 (+1.07%)
Last: Feb 6, 2026, 11:02 AM
Fundamental Rating

3

CCNE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. 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

2

1. Profitability

1.1 Basic Checks

  • In the past year CCNE was profitable.
  • CCNE had a positive operating cash flow in the past year.
  • CCNE had positive earnings in 4 of the past 5 years.
  • 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 Return On Assets of 0.52%. This is in the lower half of the industry: CCNE underperforms 76.50% of its industry peers.
  • CCNE's Return On Equity of 5.08% is on the low side compared to the rest of the industry. CCNE is outperformed by 76.76% 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

  • CCNE has a Profit Margin of 16.82%. This is in the lower half of the industry: CCNE underperforms 73.37% of its industry peers.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • CCNE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CCNE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 74.15% 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 RankSector Rank
Debt/Equity 0.36
Debt/FCF 5.92
Altman-Z N/A
ROIC/WACCN/A
WACC19.11%
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

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.43% over the past year.
  • 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

  • CCNE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.58% yearly.
  • Based on estimates for the next years, CCNE will show a quite strong growth in Revenue. The Revenue will grow by 15.90% on average per year.
EPS Next Y20.51%
EPS Next 2Y16.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.25%
Revenue Next 2Y15.9%
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

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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.16, which indicates a very decent valuation of CCNE.
  • CCNE's Price/Earnings ratio is rather cheap when compared to the industry. CCNE is cheaper than 85.90% of the companies in the same industry.
  • CCNE is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • CCNE is valuated reasonably with a Price/Forward Earnings ratio of 8.43.
  • Based on the Price/Forward Earnings ratio, CCNE is valued cheaply inside the industry as 91.64% 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 27.20.
Industry RankSector Rank
PE 10.16
Fwd PE 8.43
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

  • Based on the Price/Free Cash Flow ratio, CCNE is valued a bit more expensive than 65.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.8
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 16.58% in the coming years.
PEG (NY)0.5
PEG (5Y)3.55
EPS Next 2Y16.58%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • CCNE has a Yearly Dividend Yield of 2.52%.
  • CCNE's Dividend Yield is comparable with the industry average which is at 2.71.
  • Compared to an average S&P500 Dividend Yield of 1.82, CCNE pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.52%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2Y16.58%
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

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CNB FINANCIAL CORP/PA

NASDAQ:CCNE (2/6/2026, 11:02:18 AM)

29.37

+0.31 (+1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-13
Inst Owners61.31%
Inst Owner Change0.15%
Ins Owners2.32%
Ins Owner Change-2.68%
Market Cap865.83M
Revenue(TTM)N/A
Net Income(TTM)42.92M
Analysts84.44
Price Target29.07 (-1.02%)
Short Float %1.43%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-DateN/A
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)0%
PT rev (3m)2.41%
EPS NQ rev (1m)2.16%
EPS NQ rev (3m)-4.06%
EPS NY rev (1m)1.99%
EPS NY rev (3m)2.26%
Revenue NQ rev (1m)-0.47%
Revenue NQ rev (3m)-10.32%
Revenue NY rev (1m)-0.41%
Revenue NY rev (3m)-9.24%
Valuation
Industry RankSector Rank
PE 10.16
Fwd PE 8.43
P/S 3.39
P/FCF 16.8
P/OCF 14.17
P/B 1.03
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.89
EY9.84%
EPS(NY)3.48
Fwd EY11.86%
FCF(TTM)1.75
FCFY5.95%
OCF(TTM)2.07
OCFY7.06%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.5
PEG (5Y)3.55
Graham Number43.15
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
WACC19.11%
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 Y20.51%
EPS Next 2Y16.58%
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 Year25.25%
Revenue Next 2Y15.9%
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 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%.