26.17 USD
-0.22 (-0.83%)
26.17 USD
0 (0%)
Taking everything into account, CCNE scores 4 out of 10 in our fundamental rating. CCNE was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. CCNE is not priced too expensively while it is growing strongly. Keep and eye on this one! CCNE also has an excellent dividend rating.
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 each of the past 5 years.
Each year in the past 5 years CCNE had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CCNE (0.52%) is worse than 75.77% of its industry peers.
CCNE has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNE underperforms 76.03% 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
The Profit Margin of CCNE (16.82%) is worse than 72.68% of its industry peers.
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
CCNE has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CCNE has a worse debt to assets ratio.
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 74.23% 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 has a Debt to Equity ratio of 0.36. This is in the lower half of the industry: CCNE underperforms 71.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.96%
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.
The Earnings Per Share has been decreasing by -1.98% on average over the past years.
Looking at the last year, CCNE shows a quite strong growth in Revenue. The Revenue has grown by 13.90% in the last year.
Measured over the past years, CCNE shows a quite strong growth in Revenue. The Revenue has been growing by 9.77% on average per year.
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
The Earnings Per Share is expected to grow by 19.38% 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 21.07% on average per year.
EPS Next Y18.29%
EPS Next 2Y21.81%
EPS Next 3Y19.38%
EPS Next 5YN/A
Revenue Next Year28.94%
Revenue Next 2Y28.31%
Revenue Next 3Y21.07%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.76, which indicates a very decent valuation of CCNE.
82.99% 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 26.51, CCNE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.41, the valuation of CCNE can be described as very cheap.
Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 91.75% of the companies in the same industry.
CCNE is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 7.41 |
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 64.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.97 | ||
| EV/EBITDA | N/A |
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 19.38% in the coming years.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y21.81%
EPS Next 3Y19.38%
5. Dividend
5.1 Amount
CCNE has a Yearly Dividend Yield of 2.68%.
Compared to an average industry Dividend Yield of 2.74, CCNE has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, CCNE pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
5.2 History
The dividend of CCNE is nicely growing with an annual growth rate of 6.12%!
CCNE has paid a dividend for at least 10 years, which is 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
48.85% of the earnings are spent on dividend by CCNE. This is a bit on the high side, but may be sustainable.
CCNE's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP48.85%
EPS Next 2Y21.81%
EPS Next 3Y19.38%
26.17
-0.22 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners61.34%
Inst Owner Change32.97%
Ins Owners2.39%
Ins Owner Change-2.68%
Market Cap771.49M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.9 (10.43%)
Short Float %1.32%
Short Ratio3.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.68% |
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)1.19%
EPS NQ rev (1m)-2.53%
EPS NQ rev (3m)-6.09%
EPS NY rev (1m)-1.13%
EPS NY rev (3m)0.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.76 | ||
| Fwd PE | 7.41 | ||
| P/S | 3.02 | ||
| P/FCF | 14.97 | ||
| P/OCF | 12.62 | ||
| P/B | 0.91 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY10.24%
EPS(NY)3.53
Fwd EY13.49%
FCF(TTM)1.75
FCFY6.68%
OCF(TTM)2.07
OCFY7.92%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.53
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
WACC19.96%
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 Y18.29%
EPS Next 2Y21.81%
EPS Next 3Y19.38%
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.
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%.