Cnb Financial Corp. (CCNE)
NASDAQ:CCNE
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Cnb Financial
(NASDAQ:CCNE)
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Rating:64Neutral
Price Target:
$33.00
â–²(7.21% Upside)
Action:ReiteratedDate:03/12/26
The score is driven primarily by solid underlying financial performance with improved leverage but weaker profitability trends (margin and ROE compression). Valuation is a clear positive (low P/E and steady yield), while technical indicators are the main drag due to weak short-term momentum despite oversold readings. Recent corporate events add a modest positive tilt.
Positive Factors
Improved Leverage
Lower leverage materially improves balance-sheet resilience, reducing funding and solvency risk and increasing capacity to grow loans or absorb credit losses without issuing capital. This structural improvement supports steady expansion and regulatory flexibility over the medium term.
Negative Factors
Margin Compression
A large decline in net margins cuts profit per dollar of revenue, reducing the built-in cushion for credit losses and limiting resources for reinvestment. Persistent margin pressure weakens earnings power and makes it harder to sustainably restore historical profitability levels.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
Lower leverage materially improves balance-sheet resilience, reducing funding and solvency risk and increasing capacity to grow loans or absorb credit losses without issuing capital. This structural improvement supports steady expansion and regulatory flexibility over the medium term.
Read all positive factors
Cnb Financial (CCNE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$912.17M
Dividend Yield2.68%
Average Volume (3M)132.20K
Price to Earnings (P/E)9.8
Beta (1Y)0.90
Revenue Growth11.13%
EPS Growth-15.28%
CountryUS
Employees769
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.87
Shares Outstanding29,635,223
10 Day Avg. Volume99,290
30 Day Avg. Volume132,199
Financial Highlights & Ratios
PEG Ratio2.13
Price to Book (P/B)0.74
Price to Sales (P/S)1.59
P/FCF Ratio10.80
Enterprise Value/Market Cap1.28
Enterprise Value/Revenue2.82
Enterprise Value/Gross Profit4.58
Enterprise Value/Ebitda12.48
Forecast
1Y Price Target
$35.00Price Target Upside13.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.48
Revenue Forecast (FY)$353.35M
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...
How the Company Makes Money
CNB Financial primarily makes money through (1) net interest income and (2) noninterest income. Net interest income is generated by earning interest on loans and other interest-earning assets (such as investment securities and interest-bearing bal...
Cnb Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
70
Positive
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 404.86M | 360.01M | 322.01M | 243.70M | 209.20M |
| Gross Profit | 245.70M | 212.79M | 212.15M | 211.03M | 183.38M |
| EBITDA | 93.37M | 75.63M | 79.57M | 84.79M | 77.02M |
| Net Income | 66.13M | 54.58M | 58.02M | 63.19M | 57.71M |
Balance Sheet | |||||
| Total Assets | 8.40B | 6.19B | 5.75B | 5.48B | 5.33B |
| Cash, Cash Equivalents and Short-Term Investments | 662.53M | 846.54M | 564.00M | 477.69M | 1.43B |
| Total Debt | 331.29M | 145.50M | 142.54M | 403.10M | 125.44M |
| Total Liabilities | 7.52B | 5.58B | 5.18B | 4.94B | 4.89B |
| Stockholders Equity | 872.13M | 610.70M | 571.25M | 530.76M | 442.85M |
Cash Flow | |||||
| Free Cash Flow | 59.79M | 55.23M | 36.05M | 51.76M | 52.44M |
| Operating Cash Flow | 64.98M | 71.51M | 47.02M | 64.05M | 58.92M |
| Investing Cash Flow | 27.64M | -203.28M | -149.46M | -804.70M | -409.76M |
| Financing Cash Flow | -7.77M | 352.76M | 218.20M | 114.73M | 550.34M |
Cnb Financial Technical Analysis
Positive
30.78
Price Trends
28.46
Positive
27.33
Positive
25.69
Positive
Market Momentum
0.57
Negative
74.96
Negative
92.05
Negative
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 30.78 is above the 20-day moving average (MA) of 28.38, above the 50-day MA of 28.46, and above the 200-day MA of 25.69, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 74.96 is Negative, neither overbought nor oversold. The STOCH value of 92.05 is Negative, 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $786.77M | 11.80 | 11.55% | 2.33% | 9.43% | 17.64% | |
71 Outperform | $825.93M | 10.60 | 9.85% | 3.82% | 3.34% | 15.52% | |
71 Outperform | $915.47M | 8.81 | 13.54% | 3.05% | 5.64% | 6.24% | |
71 Outperform | $882.79M | 10.05 | 14.82% | 3.55% | -0.23% | 10.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $912.17M | 9.76 | 8.88% | 2.68% | 11.13% | -15.28% | |
62 Neutral | $759.07M | 11.33 | 10.88% | 1.12% | 0.21% | 14.54% |
* Financial Sector Average
CCNE
Cnb Financial
30.78
9.67
45.79%
CCBG
Capital City Bank
45.87
11.86
34.87%
HAFC
Hanmi Financial
27.63
7.00
33.96%
MBWM
Mercantile Bank
53.00
13.17
33.07%
HTB
Hometrust Bancshares
44.84
11.54
34.65%
MCBS
MetroCity Bankshares
30.70
4.93
19.11%
Cnb Financial Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
CNB Financial Gains Federal Reserve System Membership Status
Positive
Feb 18, 2026
CNB Financial Corporation announced that CNB Bank, its wholly owned subsidiary, became a state member bank of the Federal Reserve System through the Federal Reserve Bank of Philadelphia, effective February 12, 2026. The bank will remain under the ...
Business Operations and StrategyDividends
CNB Financial Declares Quarterly Cash Dividend for Shareholders
Positive
Feb 10, 2026
On February 10, 2026, CNB Financial Corporation’s board declared a quarterly cash dividend of $0.19 per share on its common stock, with payment scheduled for March 13, 2026. Shareholders of record as of February 27, 2026, will be eligible to...
Business Operations and StrategyFinancial Disclosures
CNB Financial unveils new investor presentation highlighting strength
Positive
Feb 3, 2026
CNB Financial Corporation announced it would begin using a new investor presentation in meetings with investors on February 4–5, 2026, and make the materials available on its website, highlighting the bank’s capital strength, earnings ...
Dividends
CNB Financial Declares Quarterly Dividend on Series A Preferred
Positive
Jan 20, 2026
On January 20, 2026, CNB Financial Corporation’s board declared a quarterly cash dividend of $17.8125 per share on its 7.125% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, equivalent to $0.4453125 per related depositary share...
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.