CCNE Stock Analysis: CNB Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 998m USD | 12M Return: 42.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.73M
EPS Trend: -60.0%
Qual. Beats: 3
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
CNB Financial Corporation is the bank holding company for CNB Bank, founded in 1865 and headquartered in Clearfield, Pennsylvania. Through its subsidiary bank, the company provides deposit accounts (checking, savings, and time deposits) and a range of lending products, including real estate, commercial, industrial, residential, and consumer loans, along with specialized financial services for individual, business, governmental, and institutional customers.
Beyond core banking, CNB offers private banking, wealth and asset management (including trust and estate administration, retirement plans, and employee benefit plans), and distributes nonproprietary annuities and insurance products. It also holds investment securities and operates a consumer discount loan and finance business offering small-balance unsecured loans and loans collateralized by automobiles and equipment.
As a regional bank holding company listed on NASDAQ under the ticker CCNE, CNB generates the majority of its revenue from net interest income - the spread between yields on loans and securities and the cost of deposits - while fee-based businesses such as wealth management, insurance, and annuity distribution provide a secondary, more stable income stream that is less sensitive to interest rate cycles than traditional lending activity.
- Net interest margin expansion on Fed rate hikes lifts profitability
- Commercial and residential loan growth drives earning asset expansion across Pennsylvania and Virginia
- Deposit competition and funding cost pressures squeeze margins
| Net Income: 81.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.08 > 1.0 |
| NWC/Revenue: -1.62k% < 20% (prev -1.23k%; Δ -389.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 72.6m > Net Income 81.7m |
| Net Debt (295.1m) to EBITDA (101.1m): 2.92 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.4m) vs 12m ago 40.69% < -2% |
| Gross Margin: 62.75% > 18% (prev 59.15%; Δ 3.61% > 0.5%) |
| Asset Turnover: 5.89% > 50% (prev 5.78%; Δ 0.10% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 91.3m / Interest Expense TTM 155.1m) |
| A: -0.83 (Total Current Assets 112.9m - Total Current Liabilities 7.19b) / Total Assets 8.51b |
| B: 0.05 (Retained Earnings 445.3m / Total Assets 8.51b) |
| C: 0.01 (EBIT TTM 91.3m / Avg Total Assets 7.41b) |
| D: 0.12 (Book Value of Equity 889.1m / Total Liabilities 7.63b) |
| Altman-Z'' = -5.08 = D |
| DSRI: 0.10 (Receivables 34.1m/4.69b, Revenue 435.9m/364.1m) |
| GMI: 0.94 (GM 59.15% / 62.75%) |
| AQI: 1.17 (AQ_t 0.97 / AQ_t-1 0.83) |
| SGI: 1.20 (Revenue 435.9m / 364.1m) |
| TATA: 0.00 (NI 81.7m - CFO 72.6m) / TA 8.51b) |
| Beneish M = -3.57 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 33.38 with a total of 113,521 shares traded. Over the past week, the price has changed by -1.42%, over one month by +6.41%, over three months by +10.23% and over the past year by +42.38%.
Current recommended Stop Loss: 32.20 (which is 3.5% or 1.3 ATR below the current price).
CNB Financial has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy CCNE.
- StrongBuy: 2
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 34.5 | 3.4% |
P/E Trailing = 11.7387
P/E Forward = 9.9602
P/S = 3.3242
P/B = 1.2007
P/EG = 1.0613
Revenue TTM = 435.9m USD
EBIT TTM = 91.3m USD
EBITDA TTM = 101.1m USD
Long Term Debt = 105.6m USD (from longTermDebt, last quarter)
Short Term Debt = 167.6m USD (from shortTermDebt, last quarter)
Debt = 373.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 43.1m
Net Debt = 295.1m USD (calculated: Debt 373.8m - CCE 78.7m)
Enterprise Value = 1.29b USD (998.2m + Debt 373.8m - CCE 78.7m)
Interest Coverage Ratio = 0.59 (Ebit TTM 91.3m / Interest Expense TTM 155.1m)
EV/FCF = 19.13x (Enterprise Value 1.29b / FCF TTM 67.6m)
FCF Yield = 5.23% (FCF TTM 67.6m / Enterprise Value 1.29b)
FCF Margin = 15.51% (FCF TTM 67.6m / Revenue TTM 435.9m)
Net Margin = 18.74% (Net Income TTM 81.7m / Revenue TTM 435.9m)
Gross Margin = 62.75% ((Revenue TTM 435.9m - Cost of Revenue TTM 162.4m) / Revenue TTM)
Gross Margin QoQ = 65.44% (prev 77.08%)
Tobins Q-Ratio = 0.15 (Enterprise Value 1.29b / Total Assets 8.51b)
Interest Expense / Debt = 41.49% (Interest Expense 155.1m / Debt 373.8m)
Taxrate = 19.33% (19.6m / 101.3m)
NOPAT = 73.6m (EBIT 91.3m * (1 - 19.33%))
Current Ratio = 0.02 (Total Current Assets 112.9m / Total Current Liabilities 7.19b)
Debt / Equity = 0.42 (Debt 373.8m / totalStockholderEquity, last quarter 889.1m)
Debt / EBITDA = 2.92 (Net Debt 295.1m / EBITDA 101.1m)
Debt / FCF = 4.36 (Net Debt 295.1m / FCF TTM 67.6m)
Total Stockholder Equity = 810.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.10% (Net Income 81.7m / Total Assets 8.51b)
RoE = 10.08% (Net Income TTM 81.7m / Total Stockholder Equity 810.7m)
RoCE = 9.96% (EBIT 91.3m / Capital Employed (Equity 810.7m + L.T.Debt 105.6m))
RoIC = 0.87% (NOPAT 73.6m / Invested Capital 8.49b)
WACC = 15.21% (E(998.2m)/V(1.37b) * Re(8.37%) + D(373.8m)/V(1.37b) * Rd(41.49%) * (1-Tc(0.19)))
Discount Rate = 8.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.66 | Cagr: 16.46%
[DCF] Terminal Value 59.00% ; FCFF base≈62.6m ; Y1≈71.8m ; Y5≈105.6m
[DCF] Fair Price = 14.05 (EV 711.4m - Net Debt 295.1m = Equity 416.3m / Shares 29.6m; r=15.21% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -60.02 | EPS CAGR: -6.16% | SUE: 0.92 | # QB: 3
Revenue Correlation: 98.08 | Revenue CAGR: 14.27% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.85 | Chg30d=+0.00% | Revisions=-17% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.88 | Chg30d=+0.00% | Revisions=-17% | Analysts=4
EPS current Year (2026-12-31): EPS=3.52 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+19.2% | GrowthRev=+24.6%
EPS next Year (2027-12-31): EPS=3.82 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+8.5% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: -7% (up=5, down=6)