Cnb Financial (CCNE) AI Stock Analysis

• Market Cap: $703.28M
• Dividend Yield: 2.94%
• Average Volume (3M): 132.33K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 1.01
• Revenue Growth: 7.40%
• EPS Growth: 2.01%
• Country: US
• Employees: 769
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 29,475,147
• 10 Day Avg. Volume: 128,040
• 30 Day Avg. Volume: 132,330
• 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: 0.87
• Enterprise Value/Revenue: 1.83
• Enterprise Value/Gross Profit: 2.76
• Enterprise Value/Ebitda: 8.07
• 1Y Price Target: $29.00
• Price Target Upside: 18.56% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $27.00 ▲(10.38% Upside)

Cnb Financial's overall stock score reflects its solid financial performance and fair valuation, despite technical indicators suggesting short-term weakness. The company's strong profitability and stable balance sheet are significant strengths, while the lack of revenue growth and bearish technical signals are areas of concern.

Positive Factors

Strong Profitability

Strong profitability indicates efficient operations and the ability to generate significant earnings, supporting long-term financial health and shareholder returns.

Stable Balance Sheet

A stable balance sheet with low leverage enhances financial resilience, providing flexibility for growth initiatives and weathering economic downturns.

Robust Cash Flow

Strong cash flow growth supports ongoing operations and strategic investments, ensuring the company can sustain growth and meet financial obligations.

Negative Factors

Declining Revenue Growth

A decline in revenue growth may signal weakening demand or increased competition, potentially impacting future profitability and market position.

Low Operating Cash Flow

Low operating cash flow relative to net income could indicate inefficiencies in converting earnings into cash, affecting liquidity and investment capacity.

Reduced Return on Equity

A reduction in return on equity may reflect less efficient use of shareholder capital, potentially impacting investor confidence and future capital raising.

Cnb Financial Business Overview & Revenue Model

Company Description

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of February 8, 2022, the company operated a private banking division; three loan production office; one drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York, and Virginia. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

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 demonstrates strong financial performance with consistent revenue growth and efficient operational management. The balance sheet is stable, with low leverage and strong equity. Cash flows are positive, though some volatility in investing and financing activities could pose future challenges.

Income Statement

Cnb Financial exhibits strong revenue growth, with a solid increase from $192.1M in 2020 to $364.9M in TTM (Trailing-Twelve-Months). The gross profit margin remains robust, consistently above 50%. However, net profit margins have slightly decreased, indicating rising expenses or pressure on net income. The EBIT and EBITDA margins indicate solid operational efficiency.

Balance Sheet

The balance sheet shows a solid equity base, with an improving equity ratio, reaching 9.9% in the TTM from 8.8% in 2020. The debt-to-equity ratio is low due to strong equity growth, indicating low financial leverage risk. However, the total liabilities have increased, which could pose future risks if not managed well.

Cash Flow

Operating cash flow has shown a steady increase, with a strong operating cash flow to net income ratio, indicating good cash flow management. Free cash flow growth is modest but positive, supporting financial flexibility. However, the fluctuating investing and financing cash flows suggest potential volatility in future cash generation.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	333.44M	360.01M	322.01M	243.70M	209.20M	192.09M
Gross Profit	221.08M	212.79M	212.15M	211.03M	183.38M	144.28M
EBITDA	75.77M	75.63M	79.57M	84.79M	77.02M	46.17M
Net Income	54.45M	54.58M	58.02M	63.19M	57.71M	32.74M
Balance Sheet
Total Assets	6.32B	6.19B	5.75B	5.48B	5.33B	4.73B
Cash, Cash Equivalents and Short-Term Investments	611.92M	846.54M	564.00M	477.69M	1.43B	1.12B
Total Debt	163.23M	145.50M	142.54M	403.10M	125.44M	90.07M
Total Liabilities	5.68B	5.58B	5.18B	4.94B	4.89B	4.31B
Stockholders Equity	637.28M	610.70M	571.25M	530.76M	442.85M	416.14M
Cash Flow
Free Cash Flow	68.81M	55.23M	36.05M	51.76M	52.44M	23.11M
Operating Cash Flow	80.44M	71.51M	47.02M	64.05M	58.92M	28.76M
Investing Cash Flow	-322.65M	-203.28M	-149.46M	-804.70M	-409.76M	-168.68M
Financing Cash Flow	336.48M	352.76M	218.20M	114.73M	550.34M	479.64M

Cnb Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.46
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 24.46 is below the 20-day moving average (MA) of 24.68, below the 50-day MA of 24.97, and above the 200-day MA of 23.44, indicating a neutral trend. The MACD of -0.29 indicates Positive momentum. The RSI at 47.49 is Neutral, neither overbought nor oversold. The STOCH value of 64.16 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	$708.61M	11.84	10.60%	0.92%	2.03%	4.81%
MCBS	75 Outperform	$675.98M	10.29	15.67%	3.55%	4.92%	20.83%
MBWM	72 Outperform	$738.99M	9.04	13.77%	3.25%	8.72%	-0.45%
CCBG	71 Outperform	$707.58M	12.15	11.69%	2.34%	9.68%	13.46%
HAFC	69 Neutral	$737.49M	11.34	8.82%	4.33%	3.34%	-1.93%
CCNE	68 Neutral	$703.28M	10.04	9.27%	2.94%	7.40%	2.01%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Cnb Financial Corporate Events

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.

CNB Financial Declares Quarterly Dividend for Series A

On July 29, 2025, CNB Financial Corporation announced a quarterly cash dividend for its Series A Preferred Stock, with each depositary share receiving $0.4453125. The dividend, payable on September 1, 2025, reflects the company’s ongoing commitment to providing returns to its stakeholders and may influence its market positioning positively.

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.

CNB Financial Completes Merger with ESSA Bancorp

On July 23, 2025, CNB Financial Corporation completed its merger with ESSA Bancorp, Inc., expanding its branch network into Northeastern Pennsylvania, including the Lehigh Valley. This strategic acquisition, which involved merging ESSA Bank into CNB Bank, aims to enhance CNB’s market presence and support its growth objectives by leveraging ESSA’s established customer relationships. The merger also resulted in the appointment of three ESSA executives to CNB’s board, with Gary S. Olson taking on a role as a strategic advisor. This expansion is expected to strengthen CNB’s service offerings and stakeholder relationships.

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.

CNB Financial Appoints ESSA Board Members Amid Merger

On January 9, 2025, CNB Financial Corporation and its subsidiary CNB Bank entered into a merger agreement with ESSA Bancorp, Inc. and its subsidiary ESSA Bank & Trust. As part of this agreement, on July 15, 2025, CNB appointed three new board members from ESSA, contingent upon the merger’s completion. These appointments are set to last until the 2026 annual shareholder meeting, with varying term lengths for each member. Additionally, CNB amended its bylaws to allow waivers for mandatory director retirement age in connection with business combinations.

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.

CNB Financial Gets Fed Approval for Share Buyback

On June 23, 2025, CNB Financial Corporation received approval from the Federal Reserve Bank of Philadelphia for its 2025 Common Share Repurchase Program. The program authorizes the company to repurchase up to 500,000 shares of its common stock, with a total purchase price not exceeding $15 million, from June 23, 2025, to June 10, 2026, through various market transactions.

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.

CNB Financial and ESSA Bancorp Merger Approved

On June 30, 2025, CNB Financial Corporation and ESSA Bancorp, Inc. announced they received the necessary regulatory approvals to proceed with their merger, expected to close on July 23, 2025. This merger aims to combine the strengths of both institutions, enhancing their service offerings and market reach while maintaining a client-focused approach, benefiting customers, employees, and shareholders.

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.