Cnb Financial (CCNE)
NASDAQ:CCNE
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Cnb Financial
(NASDAQ:CCNE)
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Rating:73Outperform
Price Target:
$35.00
â–²(11.64% Upside)
Action:Reiterated
Date:06/11/26
The score is driven primarily by solid financial performance (growth, profitability and improving ROE, tempered by margin and cash-flow variability). Technicals are supportive with an established uptrend, though momentum is somewhat stretched. Valuation and dividend add support, and recent buyback/dividend actions provide a modest additional tailwind.
Positive Factors
Revenue growth trend
Multi-year revenue expansion and a recent re-acceleration indicate durable franchise growth driven by larger loan and deposit volumes. Sustained top-line expansion improves operating leverage and provides a broader earnings base to support capital returns and reinvestment over coming quarters.
Negative Factors
Margin sensitivity to cycle
Historic margin compression shows earnings are sensitive to the interest-rate and credit environment. If loan yields, deposit costs or credit costs shift unfavorably, margins could revert downward again, pressuring core earnings and reducing predictability of bank profitability over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth trend
Multi-year revenue expansion and a recent re-acceleration indicate durable franchise growth driven by larger loan and deposit volumes. Sustained top-line expansion improves operating leverage and provides a broader earnings base to support capital returns and reinvestment over coming quarters.
Read all positive factors
Cnb Financial (CCNE) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$965.31M
Dividend Yield2.68%
Average Volume (3M)116.25K
Price to Earnings (P/E)11.8
Beta (1Y)0.86
Revenue Growth25.89%
EPS Growth20.01%
CountryUS
Employees769
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.83
Shares Outstanding29,629,013
10 Day Avg. Volume153,333
30 Day Avg. Volume116,255
Financial Highlights & Ratios
PEG Ratio2.13
Price to Book (P/B)0.74
Price to Sales (P/S)1.59
P/FCF Ratio11.01
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue2.66
Enterprise Value/Gross Profit4.24
Enterprise Value/Ebitda11.48
Forecast
1Y Price Target
$34.00Price Target Upside8.45% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.53
Revenue Forecast (FY)$347.37M
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 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
78
Positive
Balance Sheet
71
Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 435.94M | 404.86M | 360.01M | 322.01M | 243.70M | 209.20M |
| Gross Profit | 273.57M | 245.70M | 212.79M | 212.15M | 211.03M | 183.38M |
| EBITDA | 101.11M | 93.37M | 75.63M | 79.57M | 84.79M | 77.02M |
| Net Income | 81.69M | 66.13M | 54.58M | 58.02M | 63.19M | 57.71M |
Balance Sheet | ||||||
| Total Assets | 8.51B | 8.40B | 6.19B | 5.75B | 5.48B | 5.33B |
| Cash, Cash Equivalents and Short-Term Investments | 78.74M | 942.91M | 846.54M | 564.00M | 477.69M | 1.43B |
| Total Debt | 330.70M | 313.24M | 145.50M | 142.54M | 403.10M | 125.44M |
| Total Liabilities | 7.63B | 7.52B | 5.58B | 5.18B | 4.94B | 4.89B |
| Stockholders Equity | 889.10M | 872.13M | 610.70M | 571.25M | 530.76M | 442.85M |
Cash Flow | ||||||
| Free Cash Flow | 67.60M | 58.65M | 55.23M | 36.05M | 51.76M | 52.44M |
| Operating Cash Flow | 72.57M | 64.98M | 71.51M | 47.02M | 64.05M | 58.92M |
| Investing Cash Flow | -6.70M | 27.64M | -203.28M | -149.46M | -804.70M | -409.76M |
| Financing Cash Flow | 16.43M | -7.77M | 352.76M | 218.20M | 114.73M | 550.34M |
Cnb Financial Technical Analysis
Positive
31.35
Price Trends
30.51
Positive
29.26
Positive
27.20
Positive
Market Momentum
0.47
Negative
66.42
Neutral
91.29
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 31.35 is above the 20-day moving average (MA) of 30.69, above the 50-day MA of 30.51, and above the 200-day MA of 27.20, indicating a bullish trend. The MACD of 0.47 indicates Negative momentum. The RSI at 66.42 is Neutral, neither overbought nor oversold. The STOCH value of 91.29 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $792.82M | 13.12 | 11.10% | 2.33% | 2.56% | 5.05% | |
76 Outperform | $930.80M | 11.44 | 10.31% | 3.82% | 4.21% | 26.10% | |
75 Outperform | $990.20M | 13.23 | 15.09% | 3.55% | 10.15% | 7.32% | |
73 Outperform | $965.31M | 11.77 | 10.08% | 2.68% | 25.89% | 20.01% | |
72 Outperform | $936.62M | 10.17 | 13.36% | 3.05% | 4.55% | 16.09% | |
72 Outperform | $798.25M | 11.83 | 11.25% | 1.12% | -1.41% | 23.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CCNE
Cnb Financial
32.58
10.94
50.55%
CCBG
Capital City Bank
46.36
9.60
26.12%
HAFC
Hanmi Financial
31.27
8.67
38.36%
MBWM
Mercantile Bank
54.22
10.80
24.88%
HTB
Hometrust Bancshares
47.50
11.65
32.50%
MCBS
MetroCity Bankshares
34.55
7.53
27.85%
Cnb Financial Corporate Events
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...
Executive/Board ChangesShareholder Meetings
CNB Financial Shareholders Back Board, Pay and Auditor
Positive
Apr 22, 2026
On April 21, 2026, CNB Financial Corporation held its 2026 Annual Meeting of Shareholders, where investors elected four Class 1 directors, one Class 2 director, and one Class 3 director to serve staggered terms through 2027, 2028, and 2029. The vo...
Business Operations and StrategyFinancial DisclosuresM&A TransactionsShareholder Meetings
CNB Financial to Present at 2026 Shareholder Meeting
Positive
Apr 20, 2026
CNB Financial Corporation announced it will deliver a presentation at its 2026 Annual Meeting of Shareholders on April 21, 2026, with the materials also made available on its website, outlining recent performance metrics and capital position. The ...
Dividends
CNB Financial declares quarterly dividend on preferred shares
Positive
Apr 14, 2026
On April 14, 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 depositary share. The divi...
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.