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Cnb Financial
(NASDAQ:CCNE)
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Rating:76Outperform
Price Target:
$40.00
â–˛(15.37% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by improving financial performance (stronger TTM profitability, healthier leverage, and improving returns), reinforced by bullish technical trends (price above key moving averages and positive MACD). Reasonable valuation (P/E ~11.2 with a ~2.1% yield) and supportive capital actions (buyback authorization, dividends, and debt reduction) further underpin the rating, while cash-flow consistency remains the main offset.
Positive Factors
Improving Profitability
CNB’s trailing twelve‑month margins (net ~20%, EBIT ~23%) alongside positive revenue growth (~7.7% TTM) show durable operating profitability. Sustained margins and rising top line support internal capital generation, underwriting capacity and the bank’s ability to fund dividends and targeted growth over the medium term.
Negative Factors
Inconsistent Cash Conversion
While recent FCF improved (~$105M, strong growth), historical operating cash coverage has been unusually low and inconsistent. That volatility weakens predictability of dividend/buyback support and constrains the bank’s ability to self-finance lending expansion or absorb credit stress without tapping external funding or curtailing capital returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
CNB’s trailing twelve‑month margins (net ~20%, EBIT ~23%) alongside positive revenue growth (~7.7% TTM) show durable operating profitability. Sustained margins and rising top line support internal capital generation, underwriting capacity and the bank’s ability to fund dividends and targeted growth over the medium term.
Read all positive factors
Cnb Financial (CCNE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.03B
Dividend Yield2.12%
Average Volume (3M)181.69K
Price to Earnings (P/E)11.2
Beta (1Y)0.83
Revenue Growth32.73%
EPS Growth30.63%
CountryUS
Employees934
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.13
Shares Outstanding29,620,886
10 Day Avg. Volume146,733
30 Day Avg. Volume181,687
Financial Highlights & Ratios
PEG Ratio2.27
Price to Book (P/B)0.74
Price to Sales (P/S)1.59
P/FCF Ratio11.01
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$36.50Price Target Upside5.28% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.57
Revenue Forecast (FY)$348.40M
Cnb Financial Business Overview & Revenue Model
Company Description
CNB Financial Corporation functions as the parent company for CNB Bank, offering a full spectrum of banking products and services to a varied customer base that includes individuals, businesses, government entities, and institutional clients. Its ...
How the Company Makes Money
CNB Financial primarily earns money through net interest income and noninterest income. Net interest income is generated by originating and holding loans and other interest-earning assets (and, to a lesser extent, investment securities), then earn...
Cnb Financial Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 469.38M | 404.86M | 360.01M | 322.01M | 243.70M | 209.20M |
| Gross Profit | 303.82M | 245.70M | 212.79M | 212.15M | 211.03M | 183.38M |
| EBITDA | 121.04M | 93.37M | 75.63M | 79.57M | 84.79M | 77.02M |
| Net Income | 96.03M | 66.13M | 54.58M | 58.02M | 63.19M | 57.71M |
Balance Sheet | ||||||
| Total Assets | 8.43B | 8.40B | 6.19B | 5.75B | 5.48B | 5.33B |
| Cash, Cash Equivalents and Short-Term Investments | 86.62M | 942.91M | 846.54M | 564.00M | 477.69M | 1.43B |
| Total Debt | 280.31M | 313.24M | 145.50M | 142.54M | 403.10M | 125.44M |
| Total Liabilities | 7.52B | 7.52B | 5.58B | 5.18B | 4.94B | 4.89B |
| Stockholders Equity | 909.45M | 872.13M | 610.70M | 571.25M | 530.76M | 442.85M |
Cash Flow | ||||||
| Free Cash Flow | 85.72M | 58.65M | 55.23M | 36.05M | 51.76M | 52.44M |
| Operating Cash Flow | 89.25M | 64.98M | 71.51M | 47.02M | 64.05M | 58.92M |
| Investing Cash Flow | 54.62M | 27.64M | -203.28M | -149.46M | -804.70M | -409.76M |
| Financing Cash Flow | -110.84M | -7.77M | 352.76M | 218.20M | 114.73M | 550.34M |
Cnb Financial Technical Analysis
Positive
34.67
Price Trends
33.76
Positive
31.93
Positive
29.28
Positive
Market Momentum
0.33
Positive
55.17
Neutral
40.63
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 34.67 is below the 20-day moving average (MA) of 34.82, above the 50-day MA of 33.76, and above the 200-day MA of 29.28, indicating a bullish trend. The MACD of 0.33 indicates Positive momentum. The RSI at 55.17 is Neutral, neither overbought nor oversold. The STOCH value of 40.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCNE.
Cnb Financial Risk Analysis
Cnb Financial disclosed 26 risk factors in its most recent earnings report. Cnb Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Cnb Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.06B | 10.84 | 13.25% | 2.63% | 4.47% | 12.98% | |
76 Outperform | $1.03B | 11.16 | 10.93% | 2.13% | 32.73% | 30.63% | |
75 Outperform | $898.28M | 14.58 | 11.11% | 2.05% | 1.47% | 5.67% | |
75 Outperform | $961.82M | 10.85 | 11.20% | 3.47% | 4.08% | 38.09% | |
73 Outperform | $834.33M | 12.91 | 10.88% | 1.09% | -2.39% | 11.79% | |
68 Neutral | $1.04B | 12.41 | 15.15% | 2.84% | 17.81% | 11.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CCNE
Cnb Financial
34.94
10.61
43.61%
CCBG
Capital City Bank
52.49
12.82
32.33%
HAFC
Hanmi Financial
32.44
9.52
41.57%
MBWM
Mercantile Bank
61.56
16.20
35.71%
HTB
Hometrust Bancshares
49.98
11.12
28.61%
MCBS
MetroCity Bankshares
36.24
8.77
31.92%
Cnb Financial Corporate Events
Dividends
CNB Financial Declares Quarterly Preferred Stock Dividend
Positive
Jul 15, 2026
On July 14, 2026, CNB Financial Corporation’s Board of Directors declared a quarterly cash dividend tied to its 7.125% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock. Holders of its Nasdaq-listed depositary shares, each represe...
Executive/Board Changes
CNB Financial Announces Board Member Gary Olson’s Resignation
Neutral
Jul 10, 2026
On July 6, 2026, CNB Financial Corporation announced that board member Gary Olson has resigned from the company’s Board of Directors for personal reasons, effective July 31, 2026. The company stated that Olson’s departure does not stem...
Business Operations and Strategy
CNB Financial Completes Partial Redemption of Subordinated Notes
Positive
Jun 16, 2026
On June 16, 2026, CNB Financial Corporation reported that it had completed the redemption of $50 million of its 3.25% Fixed-to-Floating Rate Subordinated Notes due June 15, 2031, with the transaction executed on June 15, 2026. The notes were redee...
Business Operations and StrategyStock Buyback
CNB Financial Launches 2026 Share Repurchase Program
Positive
Jun 10, 2026
On May 12, 2026, CNB Financial Corporation’s board approved a 2026 common share repurchase program authorizing the buyback of up to 500,000 shares, with a total purchase cap of $15 million. The authorization runs from June 10, 2026, followin...
Dividends
CNB Financial Declares Quarterly Cash Dividend for Shareholders
Positive
May 12, 2026
On May 12, 2026, CNB Financial Corporation’s board declared a quarterly cash dividend of $0.19 per share on its common stock, payable on June 15, 2026, to shareholders of record as of June 1, 2026. The announcement underscores the company...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.