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CNB Financial Corporation CCNE R2K

Financial Services · Banks - Regional · United States
https://cnbbank.bank

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various 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 other specialized financial services. It also provides private banking services; and 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 offers small balance unsecured loans, and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

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$30.67
+44.41% 1Y

Market & Price

Market Cap
$908.72M
Current Price
$30.67
High / Low (52W)
$31.35 / $20.92
Beta
0.65

Valuation

Stock P/E
10.69
Industry PE
12.01
Forward P/E
8.03
PEG Ratio
1.06
Book Value
$28.35
Price to Book
1.08
P/S
3.03
EV/EBITDA
-
Dividend Yield
2.41%

Profitability & Returns

ROCE
-
ROE
10.79%
ROA
1.10%
Profit Margin
27.20%
Op Margin
42.45%
EPS (Latest Qtr)
$0.88
EPS (TTM)
$2.87

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$335.90M
Total Assets
$8.40B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.79%
Chg in Prom Hold
-
FII / Inst Holding
64.84%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$685.75M
Total Revenue (TTM)
$300.29M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$72.57M
Shares Outstanding
29.63M
Gross Margin
0.00%
Payout Ratio
25.44%

Growth (CAGR)

Revenue 5Y
8.05%
Profit 5Y
1.53%
Revenue (YoY)
48.60%
Earnings (YoY)
76.90%

PROS

  • Excellent profit margin of 27.2%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CCNE CNB Financial Corporation R2K 30.67 10.69 $908.72M 2.41% - 10.79% 8.05% 1.53%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------------------------------55.78M59.95M76.39M84.89M81.81M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------33.95M33.57M41.52M41.27M38.72M
Pretax Income -----------------------------------14.34M17.25M9.08M41.79M33.14M
Tax Provision -----------------------------------2.86M3.29M2.04M8.14M6.10M
Net Income 5.52M5.51M5.02M4.07M6.42M5.04M6.48M6.68M7.25M3.45M7.10M8.44M9.24M8.95M9.47M9.77M10.36M10.48M8.81M8.25M7.79M7.90M14.18M13.99M14.91M15.24M15.44M16.62M16.49M13.83M13.73M12.60M12.96M13.95M15.06M11.48M13.96M7.04M33.65M27.04M
Diluted EPS 0.380.380.350.280.440.350.430.440.470.230.460.550.600.590.620.640.680.690.570.540.470.400.780.760.820.840.850.900.730.610.600.550.560.610.660.500.610.221.100.88

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------219.62M218.14M222.01M277.02M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------24.08M103.87M138.00M150.31M
Pretax Income -------------78.21M71.83M67.36M82.47M
Tax Provision -------------15.03M13.81M12.78M16.33M
Net Income 8.51M11.32M15.10M17.14M16.68M23.07M22.20M20.54M23.86M33.72M40.08M32.74M-63.19M58.02M54.58M66.13M
Diluted EPS 0.981.061.231.381.291.601.541.421.572.212.631.97-2.802.552.392.49

Compounded Sales Growth

5 Years:8.05%
1 Year:48.60%

Compounded Profit Growth

5 Years:1.53%
1 Year:76.90%

Stock Price Performance

1 Year:+44.41%
6 Months:+19.55%
3 Months:+9.50%
1 Month:+1.12%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.41B1.60B1.77B2.13B2.19B2.29B2.57B2.77B3.22B3.76B4.73B-5.48B5.75B6.19B8.40B
Current Assets ------------------
Cash & Equivalents 31.26M22.36M37.43M39.70M31.88M29.63M27.93M27.26M29.18M35.34M45.56M192.97M532.69M-106.28M222.05M443.04M527.90M
Inventory ------------------
Receivables -------------40.68M62.13M---
Total Liabilities --1.30B1.47B1.63B1.97B2.00B2.08B2.36B2.52B2.96B3.46B4.31B-4.94B5.18B5.58B7.52B
Current Liabilities ------------------
Long Term Debt ------------50.00M-104.58M104.89M105.19M105.49M
Total Debt --------------138.31M142.54M145.50M313.24M
Total Equity 62.47M69.41M109.64M131.89M145.36M164.91M188.55M201.91M211.78M243.91M262.83M304.97M416.14M-530.76M571.25M610.70M872.13M
Shares Outstanding --------------21.12M21.24M21.24M29.59M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 14.93M11.15M30.39M27.56M33.61M28.92M33.64M26.76M30.76M44.85M52.04M28.76M-64.05M47.02M71.51M64.98M
Investing Cash Flow -155.46M-233.67M-180.37M-182.62M-36.45M-55.53M-100.71M-150.88M-203.65M-452.68M-368.74M-168.68M--804.70M-149.46M-203.28M27.64M
Financing Cash Flow 131.63M237.60M152.25M147.24M595.00K24.90M66.41M126.04M179.05M418.04M464.11M479.64M-114.73M218.20M352.76M-7.77M
Capital Expenditure -1.48M-1.99M-1.71M-2.02M-5.34M-6.43M-6.75M-10.12M-5.21M-3.07M-9.04M-5.64M--12.29M-10.97M-16.28M-6.33M
Free Cash Flow 13.46M9.15M28.68M25.54M28.27M22.49M26.89M16.64M25.55M41.79M43.00M23.11M-51.76M36.05M55.23M58.65M
Net Change in Cash --------------625.91M115.76M220.99M84.86M
Dividends Paid 5.73M6.93M8.12M8.21M8.57M9.52M9.52M9.55M10.09M10.24M10.36M------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------28.8%26.6%24.6%23.9%
ROE % 12.3%10.3%11.5%11.8%10.1%12.2%11.0%9.7%9.8%12.8%13.1%7.9%-11.9%10.2%8.9%7.6%
ROCE % -----------------

Shareholding Pattern

Insiders
2.79%
Institutions
64.84%
Public Float
66.70%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 8.48% 2.51M $77.05M
2 Blackrock Inc. 7.05% 2.09M $64.07M
3 Dimensional Fund Advisors LP 5.08% 1.51M $46.19M
4 Vanguard Capital Management LLC 4.34% 1.29M $39.46M
5 Davis Asset Management, L.P. 3.21% 950.00K $29.14M
6 Geode Capital Management, LLC 2.72% 807.12K $24.75M
7 State Street Corporation 2.09% 617.79K $18.95M
8 American Century Companies Inc 2.06% 609.37K $18.69M
9 Stieven Capital Advisors, L.P. 1.55% 458.57K $14.06M
10 Maltese Capital Management, LLC 1.52% 449.47K $13.79M

Analyst View

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