27.75 USD
+0.14 (+0.51%)
27.75 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CCNE. CCNE was compared to 387 industry peers in the Banks industry. Both the profitability and financial health of CCNE have multiple concerns. CCNE is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year CCNE was profitable.
In the past year CCNE had a positive cash flow from operations.
Each year in the past 5 years CCNE has been profitable.
In the past 5 years CCNE always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.52%, CCNE is doing worse than 76.49% of the companies in the same industry.
CCNE has a Return On Equity of 5.08%. This is in the lower half of the industry: CCNE underperforms 77.00% 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
CCNE has a worse Profit Margin (16.82%) than 72.61% of its industry peers.
In the last couple of years the Profit Margin of CCNE has declined.
The Operating Margin and Gross Margin are not available for CCNE so they could not be analyzed.
| 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.
The number of shares outstanding for CCNE has been increased compared to 1 year ago.
Compared to 5 years ago, CCNE has more shares outstanding
CCNE has a worse debt/assets ratio than last year.
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's Debt to FCF ratio of 5.92 is on the low side compared to the rest of the industry. CCNE is outperformed by 74.68% of its industry peers.
A Debt/Equity ratio of 0.36 indicates that CCNE is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.36, CCNE is doing worse than 71.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.53% over the past year.
CCNE shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.98% yearly.
CCNE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.90%.
The Revenue has been growing by 9.77% on average over the past years. This is quite good.
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
CCNE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.38% yearly.
The Revenue is expected to grow by 21.07% on average over the next years. This is a very strong growth
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.35, the valuation of CCNE can be described as reasonable.
Based on the Price/Earnings ratio, CCNE is valued cheaply inside the industry as 80.36% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CCNE to the average of the S&P500 Index (26.76), we can say CCNE is valued rather cheaply.
The Price/Forward Earnings ratio is 7.86, which indicates a rather cheap valuation of CCNE.
Based on the Price/Forward Earnings ratio, CCNE is valued cheaper than 90.96% of the companies in the same industry.
CCNE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.96.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 7.86 |
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 64.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.88 | ||
| 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.
CCNE's earnings are expected to grow with 19.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y21.81%
EPS Next 3Y19.38%
5. Dividend
5.1 Amount
CCNE has a Yearly Dividend Yield of 2.67%.
Compared to an average industry Dividend Yield of 3.11, CCNE has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, CCNE has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
5.2 History
On average, the dividend of CCNE grows each year by 6.12%, which is quite nice.
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%
27.75
+0.14 (+0.51%)
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 Change0.46%
Market Cap818.07M
Revenue(TTM)255.20M
Net Income(TTM)42.92M
Analysts84.44
Price Target28.9 (4.14%)
Short Float %1.1%
Short Ratio2.85
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
Yearly Dividend0.92
Dividend Growth(5Y)6.12%
DP48.85%
Div Incr Years1
Div Non Decr Years30
Ex-Date
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)2.41%
PT rev (3m)1.19%
EPS NQ rev (1m)-5.13%
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)-4.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.35 | ||
| Fwd PE | 7.86 | ||
| P/S | 3.21 | ||
| P/FCF | 15.88 | ||
| P/OCF | 13.38 | ||
| P/B | 0.97 | ||
| P/tB | 1.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY9.66%
EPS(NY)3.53
Fwd EY12.73%
FCF(TTM)1.75
FCFY6.3%
OCF(TTM)2.07
OCFY7.47%
SpS8.66
BVpS28.64
TBVpS24.19
PEG (NY)0.57
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
WACC19.39%
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.
What is the valuation status for CCNE stock?
ChartMill assigns a valuation rating of 6 / 10 to CNB FINANCIAL CORP/PA (CCNE). This can be considered as Fairly Valued.
How profitable is CNB FINANCIAL CORP/PA (CCNE) stock?
CNB FINANCIAL CORP/PA (CCNE) has a profitability rating of 2 / 10.
What are the PE and PB ratios of CNB FINANCIAL CORP/PA (CCNE) stock?
The Price/Earnings (PE) ratio for CNB FINANCIAL CORP/PA (CCNE) is 10.35 and the Price/Book (PB) ratio is 0.97.
Can you provide the expected EPS growth for CCNE stock?
The Earnings per Share (EPS) of CNB FINANCIAL CORP/PA (CCNE) is expected to grow by 18.29% in the next year.