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

NASDAQ:CCNE • US1261281075

Current stock price

28.5 USD
+1.05 (+3.83%)
Last:

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

  • CCNE had positive earnings in the past year.
  • CCNE had a positive operating cash flow in the past year.
  • Each year in the past 5 years CCNE has been profitable.
  • 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's Return On Assets of 0.73% is on the low side compared to the rest of the industry. CCNE is outperformed by 70.00% of its industry peers.
  • The Return On Equity of CCNE (7.04%) is worse than 69.47% of its industry peers.
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

  • CCNE's Profit Margin of 21.75% is on the low side compared to the rest of the industry. CCNE is outperformed by 66.05% of its industry peers.
  • CCNE's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CCNE so they could not be analyzed.
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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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.
  • 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.
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

  • CCNE has a debt to FCF ratio of 4.90. This is a neutral value as CCNE would need 4.90 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 4.90, CCNE is not doing good in the industry: 68.68% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.33 indicates that CCNE is not too dependend on debt financing.
  • CCNE's Debt to Equity ratio of 0.33 is on the low side compared to the rest of the industry. CCNE is outperformed by 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.33
Debt/FCF 4.9
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 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

  • 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.
  • CCNE shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.55%.
  • CCNE shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.63% yearly.
EPS 1Y (TTM)21.43%
EPS 3Y-4.42%
EPS 5Y2.86%
EPS Q2Q%31.82%
Revenue 1Y (TTM)24.55%
Revenue growth 3Y7.92%
Revenue growth 5Y11.63%
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.
  • CCNE is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.93% yearly.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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5

4. CCNE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.86, the valuation of CCNE can be described as very reasonable.
  • 79.74% of the companies in the same industry are more expensive than CCNE, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, CCNE is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.02, the valuation of CCNE can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CCNE indicates a rather cheap valuation: CCNE is cheaper than 88.68% of the companies listed in the same industry.
  • CCNE is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.86
Fwd PE 8.02
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 60.53% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.4
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)0.43
PEG (5Y)3.45
EPS Next 2Y17.06%
EPS Next 3YN/A

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

7

5. CCNE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.75%, CCNE has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, CCNE has a dividend in line with its industry peers.
  • CCNE's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.75%

5.2 History

  • The dividend of CCNE has a limited annual growth rate of 3.29%.
  • 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)3.29%
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 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

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CCNE Fundamentals: All Metrics, Ratios and Statistics

CNB FINANCIAL CORP/PA

NASDAQ:CCNE (3/23/2026, 11:50:42 AM)

28.5

+1.05 (+3.83%)

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 Change3.69%
Market Cap844.74M
Revenue(TTM)282.20M
Net Income(TTM)61.38M
Analysts82.22
Price Target33.32 (16.91%)
Short Float %1.43%
Short Ratio2.74
Dividend
Industry RankSector Rank
Dividend Yield 2.75%
Yearly Dividend0.89
Dividend Growth(5Y)3.29%
DP36.64%
Div Incr Years1
Div Non Decr Years30
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)14.62%
PT rev (3m)15.29%
EPS NQ rev (1m)1.07%
EPS NQ rev (3m)1.95%
EPS NY rev (1m)2.01%
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 9.86
Fwd PE 8.02
P/S 2.99
P/FCF 14.4
P/OCF 13
P/B 0.97
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.89
EY10.14%
EPS(NY)3.55
Fwd EY12.47%
FCF(TTM)1.98
FCFY6.94%
OCF(TTM)2.19
OCFY7.69%
SpS9.52
BVpS29.42
TBVpS25.21
PEG (NY)0.43
PEG (5Y)3.45
Graham Number43.74
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
WACC19.11%
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)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)24.55%
Revenue growth 3Y7.92%
Revenue growth 5Y11.63%
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 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.


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 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.


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 36.64%.