CCNE Stock Analysis: CNB Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.006m USD | 12M Return: 39.2% | US1261281075 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.99M
EPS Trend: 70.3%
Qual. Beats: 5
Rev. Trend: 97.6%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 96.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.07 > 1.0 |
| NWC/Revenue: -9.94% < 20% (prev -1.22k%; Δ 1.21k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 89.2m > Net Income 96.0m |
| Net Debt (236.4m) to EBITDA (121.0m): 1.95 < 3 |
| Current Ratio: 0.72 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.5m) vs 12m ago 40.94% < -2% |
| Gross Margin: 64.73% > 18% (prev 59.58%; Δ 5.15% > 0.5%) |
| Asset Turnover: 6.36% > 50% (prev 5.84%; Δ 0.53% > 0%) |
| Interest Coverage Ratio: 0.68 > 6 (EBIT TTM 109.2m / Interest Expense TTM 160.8m) |
| A: -0.01 (Total Current Assets 119.7m - Total Current Liabilities 166.4m) / Total Assets 8.43b |
| B: 0.06 (Retained Earnings 466.9m / Total Assets 8.43b) |
| C: 0.01 (EBIT TTM 109.2m / Avg Total Assets 7.38b) |
| D: 0.12 (Book Value of Equity 909.4m / Total Liabilities 7.52b) |
| Altman-Z'' = 0.37 = B |
| DSRI: 0.10 (Receivables 33.1m/4.69b, Revenue 469.4m/368.9m) |
| GMI: 0.92 (GM 59.58% / 64.73%) |
| AQI: 1.18 (AQ_t 0.98 / AQ_t-1 0.83) |
| SGI: 1.27 (Revenue 469.4m / 368.9m) |
| TATA: 0.00 (NI 96.0m - CFO 89.2m) / TA 8.43b) |
| Beneish M = -3.54 (Cap -4..+1) = AAA |
As of September 27, 2026, the stock is trading at USD 34.09 with a total of 125,493 shares traded. Over the past week, the price has changed by -0.18%, over one month by +1.10%, over three months by +2.18% and over the past year by +39.23%.
Current recommended Stop Loss: 32.60 (which is 4.4% or 2.2 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 | 37.8 | 10.9% |
P/E Trailing = 10.6761
P/E Forward = 10.1215
P/S = 3.0539
P/B = 1.1877
P/EG = 1.0613
Revenue TTM = 469.4m USD
EBIT TTM = 109.2m USD
EBITDA TTM = 121.0m USD
Long Term Debt = 55.6m USD (from longTermDebt, last quarter)
Short Term Debt = 166.4m USD (from shortTermDebt, last quarter)
Debt = 323.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 42.7m
Net Debt = 236.4m USD (calculated: Debt 323.0m - CCE 86.6m)
Enterprise Value = 1.24b USD (1.01b + Debt 323.0m - CCE 86.6m)
Interest Coverage Ratio = 0.68 (Ebit TTM 109.2m / Interest Expense TTM 160.8m)
EV/FCF = 14.49x (Enterprise Value 1.24b / FCF TTM 85.7m)
FCF Yield = 6.90% (FCF TTM 85.7m / Enterprise Value 1.24b)
FCF Margin = 18.26% (FCF TTM 85.7m / Revenue TTM 469.4m)
Net Margin = 20.46% (Net Income TTM 96.0m / Revenue TTM 469.4m)
Gross Margin = 64.73% ((Revenue TTM 469.4m - Cost of Revenue TTM 165.6m) / Revenue TTM)
Gross Margin QoQ = 67.64% (prev 65.44%)
Tobins Q-Ratio = 0.15 (Enterprise Value 1.24b / Total Assets 8.43b)
Interest Expense / Debt = 49.79% (Interest Expense 160.8m / Debt 323.0m)
Taxrate = 19.41% (23.1m / 119.2m)
NOPAT = 88.0m (EBIT 109.2m * (1 - 19.41%))
Current Ratio = 0.72 (Total Current Assets 119.7m / Total Current Liabilities 166.4m)
Debt / Equity = 0.36 (Debt 323.0m / totalStockholderEquity, last quarter 909.4m)
Debt / EBITDA = 1.95 (Net Debt 236.4m / EBITDA 121.0m)
Debt / FCF = 2.76 (Net Debt 236.4m / FCF TTM 85.7m)
Total Stockholder Equity = 878.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.30% (Net Income 96.0m / Total Assets 8.43b)
RoE = 10.93% (Net Income TTM 96.0m / Total Stockholder Equity 878.7m)
RoCE = 11.68% (EBIT 109.2m / Capital Employed (Equity 878.7m + L.T.Debt 55.6m))
RoIC = 1.05% (NOPAT 88.0m / Invested Capital 8.41b)
WACC = 15.69% (E(1.01b)/V(1.33b) * Re(7.84%) + D(323.0m)/V(1.33b) * Rd(49.79%) * (1-Tc(0.19)))
Discount Rate = 7.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.80 | Cagr: 16.57%
[DCF] Terminal Value 57.88% ; FCFF base≈79.0m ; Y1≈90.5m ; Y5≈133.2m
[DCF] Fair Price = 21.16 (EV 863.1m - Net Debt 236.4m = Equity 626.7m / Shares 29.6m; r=15.69% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 70.28 | EPS CAGR: 10.71% | SUE: 1.13 | # QB: 5
Revenue Correlation: 97.64 | Revenue CAGR: 14.65% | SUE: 0.89 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.87 | Chg30d=-2.52% | Revisions=+17% | Analysts=5
EPS current Year (2026-12-31): EPS=3.55 | Chg30d=-0.81% | Revisions=+29% | GrowthEPS=+20.2% | GrowthRev=+25.3%
EPS next Year (2027-12-31): EPS=3.72 | Chg30d=-1.99% | Revisions=-50% | GrowthEPS=+5.0% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: +0% (up=5, down=5)