(CCNE) CNB Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 871m USD | Total Return: 43.5% in 12m
Avg Turnover: 3.21M
EPS Trend: 28.7%
Qual. Beats: 3
Rev. Trend: 98.1%
Qual. Beats: 0
Warnings
Share dilution 40.7% YoY
Tailwinds
No distinct edge detected
CNB Financial Corporation (CCNE) is a financial holding company headquartered in Pennsylvania that has operated since 1865. Through its primary subsidiary, CNB Bank, the company provides a full suite of retail and commercial banking services, including deposit accounts, real estate lending, and industrial financing. Its business model also integrates non-interest income streams through wealth management, trust administration, and the sale of insurance products.
As a regional bank, CNB Financial relies heavily on the net interest margin, which is the spread between interest earned on loans and interest paid to depositors. Regional banks often maintain a competitive advantage by focusing on localized relationship banking and community-based commercial lending. Investors looking for deeper fundamental insights may find ValueRay useful for further analysis. The company also maintains a diversified portfolio by offering specialized consumer finance products, such as unsecured small-balance loans and equipment financing.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Commercial and industrial loan growth across Pennsylvania and Ohio markets
- Asset quality performance and provision for credit losses impacting bottom line
- Wealth management fee income growth diversifies revenue beyond traditional lending
- Operating efficiency ratio improvements through digital transformation and branch optimization
| 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 (295.7m) 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 0.59%; Δ 6.22k% > 0.5%) |
| Asset Turnover: 5.89% > 50% (prev 5.78%; Δ 0.10% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBITDA TTM 101.1m / 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: 0.05 (Book Value of Equity 411.0m / Total Liabilities 7.63b) |
| Altman-Z'' = -5.14 = D |
| DSRI: 0.01 (Receivables 34.1m/4.56b, Revenue 435.9m/364.1m) |
| GMI: 0.94 (GM 62.75% / 59.15%) |
| 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 = -3.65 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at USD 30.81 with a total of 112,233 shares traded.
Over the past week, the price has changed by +4.29%,
over one month by +1.42%,
over three months by +6.01% and
over the past year by +43.45%.
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 | 12% |
P/E Forward = 10.1215
P/S = 2.8999
P/B = 1.1113
P/EG = 1.0613
Revenue TTM = 435.9m USD
EBIT TTM = 91.3m USD
EBITDA TTM = 101.1m USD
Long Term Debt = 105.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 167.6m USD (from shortTermDebt, last quarter)
Debt = 374.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 43.7m
Net Debt = 295.7m USD (calculated: Debt 374.4m - CCE 78.7m)
Enterprise Value = 1.17b USD (870.8m + Debt 374.4m - CCE 78.7m)
Interest Coverage Ratio = 0.59 (Ebit TTM 91.3m / Interest Expense TTM 155.1m)
EV/FCF = 17.26x (Enterprise Value 1.17b / FCF TTM 67.6m)
FCF Yield = 5.80% (FCF TTM 67.6m / Enterprise Value 1.17b)
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 = 0.14 (Enterprise Value 1.17b / Total Assets 8.51b)
Interest Expense / Debt = 41.42% (Interest Expense 155.1m / Debt 374.4m)
Taxrate = 18.41% (6.10m / 33.1m)
NOPAT = 74.5m (EBIT 91.3m * (1 - 18.41%))
Current Ratio = 0.02 (Total Current Assets 112.9m / Total Current Liabilities 7.19b)
Debt / Equity = 0.42 (Debt 374.4m / totalStockholderEquity, last quarter 889.1m)
Debt / EBITDA = 2.92 (Net Debt 295.7m / EBITDA 101.1m)
Debt / FCF = 4.37 (Net Debt 295.7m / 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 105.5m))
RoIC = 0.88% (NOPAT 74.5m / Invested Capital 8.44b)
WACC = 16.39% (E(870.8m)/V(1.25b) * Re(8.91%) + D(374.4m)/V(1.25b) * Rd(41.42%) * (1-Tc(0.18)))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.66 | Cagr: 16.46%
[DCF] Terminal Value 56.30% ; FCFF base≈62.6m ; Y1≈71.8m ; Y5≈105.6m
[DCF] Fair Price = 11.89 (EV 647.9m - Net Debt 295.7m = Equity 352.2m / Shares 29.6m; r=16.39% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 28.67 | EPS CAGR: 3.35% | SUE: 2.15 | # 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=-0.39% | Revisions=-14% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.88 | Chg30d=-1.94% | Revisions=-14% | Analysts=4
EPS current Year (2026-12-31): EPS=3.52 | Chg30d=+1.27% | Revisions=+14% | GrowthEPS=+19.2% | GrowthRev=+24.6%
EPS next Year (2027-12-31): EPS=3.82 | Chg30d=-1.61% | Revisions=+0% | GrowthEPS=+8.5% | GrowthRev=+6.2%
[Analyst] Revisions Ratio: -14%