Cnb Financial (CCNE) AI Stock Analysis

• Market Cap: $720.96M
• Dividend Yield: 2.91%
• Average Volume (3M): 132.20K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 1.05
• Revenue Growth: 11.13%
• EPS Growth: -15.28%
• Country: US
• Employees: 769
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.82
• Shares Outstanding: 29,475,147
• 10 Day Avg. Volume: 99,290
• 30 Day Avg. Volume: 132,199
• PEG Ratio: -1.52
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 1.44
• P/FCF Ratio: 9.38
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 66 Neutral
• Price Target: $27.00 ▲(11.62% Upside)

The overall stock score is primarily influenced by the stable balance sheet and reasonable valuation. However, challenges in revenue growth and cash flow generation, along with neutral technical indicators, moderate the score. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Stable Balance Sheet

A stable balance sheet with low leverage provides financial flexibility and reduces risk, supporting long-term operational stability.

Strong Gross Profit Margin

A strong gross profit margin indicates effective cost management and pricing power, contributing to sustainable profitability.

Cash Conversion Efficiency

Efficient cash conversion enhances liquidity and supports reinvestment in growth opportunities, fostering long-term business health.

Negative Factors

Declining Revenue Growth

Significant decline in revenue growth suggests challenges in market expansion and customer acquisition, impacting future earnings potential.

Negative Free Cash Flow Growth

Negative free cash flow growth indicates potential liquidity issues, limiting the company's ability to fund operations and growth initiatives.

Declining Net Profit Margin

A declining net profit margin reflects reduced profitability, potentially due to increased costs or pricing pressures, affecting long-term financial health.

Cnb Financial Business Overview & Revenue Model

Company Description

Cnb Financial Corporation (CCNE) is a financial services holding company based in the United States, primarily engaged in providing a wide range of banking and financial services through its subsidiary, CNB Bank. The company's operations encompass commercial and retail banking, wealth management, mortgage banking, and other financial services. CCNE serves various sectors, including individuals, businesses, and local governments, with a focus on community banking and personalized service.

How the Company Makes Money

Cnb Financial generates revenue through multiple streams, primarily from net interest income, which is earned on loans and investments minus the interest paid on deposits and other borrowings. The company also earns non-interest income from fees associated with various banking services, including account maintenance, transaction fees, and wealth management services. Additionally, mortgage origination and servicing fees contribute to revenue, as does income from trust and investment management services. Significant partnerships with local businesses and government entities enhance its customer base and service offerings, further supporting its earnings.

Cnb Financial Financial Statement Overview

Summary

Cnb Financial shows a stable balance sheet with low leverage, but faces challenges in revenue growth and cash flow generation. The income statement reflects declining profitability margins and revenue, while cash flow metrics indicate potential liquidity concerns. The company needs to address revenue generation and operational efficiency to improve its financial health.

Income Statement

The income statement shows a mixed performance. The TTM gross profit margin is strong at 46.6%, but the net profit margin has declined significantly to 39.4% from 15.2% in the previous year. Revenue growth has sharply declined by 63.8% in the TTM, indicating potential challenges in revenue generation. EBIT and EBITDA margins are also showing volatility, with the TTM EBITDA margin being negative, suggesting operational inefficiencies.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.22 in the TTM, indicating conservative leverage. Return on equity is moderate at 7.0%, suggesting efficient use of equity. The equity ratio stands at a healthy level, indicating a strong capital base relative to assets.

Cash Flow

Cash flow analysis reveals some concerns. The free cash flow growth rate is negative at -16.1% in the TTM, indicating declining cash generation. However, the operating cash flow to net income ratio is reasonable at 0.44, suggesting adequate cash flow relative to earnings. The free cash flow to net income ratio is strong at 0.86, indicating good cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	120.75M	360.01M	322.01M	243.70M	209.20M	192.09M
Gross Profit	56.27M	212.79M	212.15M	211.03M	183.38M	144.28M
EBITDA	69.77M	75.63M	79.57M	84.79M	77.02M	46.17M
Net Income	47.55M	54.58M	58.02M	63.19M	57.71M	32.74M
Balance Sheet
Total Assets	8.25B	6.19B	5.75B	5.48B	5.33B	4.73B
Cash, Cash Equivalents and Short-Term Investments	613.33M	846.54M	564.00M	477.69M	1.43B	1.12B
Total Debt	181.60M	145.50M	142.54M	403.10M	125.44M	90.07M
Total Liabilities	7.41B	5.58B	5.18B	4.94B	4.89B	4.31B
Stockholders Equity	844.18M	610.70M	571.25M	530.76M	442.85M	416.14M
Cash Flow
Free Cash Flow	57.73M	55.23M	36.05M	51.76M	52.44M	23.11M
Operating Cash Flow	61.12M	71.51M	47.02M	64.05M	58.92M	28.76M
Investing Cash Flow	-27.60M	-203.28M	-149.46M	-804.70M	-409.76M	-168.68M
Financing Cash Flow	43.66M	352.76M	218.20M	114.73M	550.34M	479.64M

Cnb Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.19
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCNE, the sentiment is Positive. The current price of 24.19 is below the 20-day moving average (MA) of 24.30, below the 50-day MA of 24.88, and above the 200-day MA of 23.48, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 54.15 is Neutral, neither overbought nor oversold. The STOCH value of 68.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCNE.

Cnb Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HTB	76 Outperform	$692.34M	10.96	10.91%	0.89%	0.21%	14.54%
CCBG	76 Outperform	$683.78M	11.22	11.90%	2.42%	9.43%	17.64%
HAFC	75 Outperform	$801.05M	11.10	9.51%	4.06%	3.33%	15.80%
MBWM	73 Outperform	$716.30M	8.35	13.79%	3.27%	5.64%	6.24%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCNE	66 Neutral	$720.96M	12.33	6.51%	2.91%	11.13%	-15.28%
MCBS	61 Neutral	$657.60M	9.94	15.62%	3.68%	0.54%	11.11%

Cnb Financial Corporate Events

CNB Financial Reports Strong Q3 2025 Results

CNB Financial Corporation, a financial holding company primarily operating through CNB Bank, provides a range of banking services across Pennsylvania, Ohio, New York, and Virginia. The company recently reported its third-quarter 2025 earnings, highlighting significant developments including the completion of its largest acquisition to date, ESSA Bancorp, which expanded its asset base and branch network significantly.

CNB Financial Declares Quarterly Cash Dividend

On October 29, 2025, CNB Financial Corporation announced a quarterly cash dividend of $0.4453125 per depositary share, linked to a $17.8125 per share dividend on its Series A Preferred Stock. This dividend will be distributed on December 1, 2025, to shareholders recorded by November 15, 2025, reflecting the company’s ongoing commitment to providing returns to its stakeholders.

The most recent analyst rating on (CCNE) stock is a Buy with a $27.00 price target. To see the full list of analyst forecasts on Cnb Financial stock, see the CCNE Stock Forecast page.

CNB Financial Declares Quarterly Cash Dividend

On August 12, 2025, CNB Financial Corporation’s Board of Directors declared a quarterly cash dividend of $0.18 per share of common stock, payable on September 12, 2025, to shareholders of record as of August 29, 2025. This announcement reflects the company’s ongoing commitment to providing value to its shareholders and may impact its financial positioning and stakeholder interests.

The most recent analyst rating on (CCNE) stock is a Buy with a $26.50 price target. To see the full list of analyst forecasts on Cnb Financial stock, see the CCNE Stock Forecast page.