Cnb Financial (CCNE) AI Stock Analysis

• Market Cap: $869.25M
• Dividend Yield: 2.68%
• Average Volume (3M): 132.20K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.91
• Revenue Growth: 11.13%
• EPS Growth: -15.28%
• Country: US
• Employees: 769
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.87
• Shares Outstanding: 29,476,240
• 10 Day Avg. Volume: 99,290
• 30 Day Avg. Volume: 132,199
• 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: 1.21
• Enterprise Value/Revenue: 2.66
• Enterprise Value/Gross Profit: 4.71
• Enterprise Value/Ebitda: 15.25
• 1Y Price Target: $35.00
• Price Target Upside: 20.27% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $31.00 ▲(6.53% Upside)
• Action: Reiterated Date: 02/04/26
• Date: Action: Reiterated 02/04/26

The score is driven primarily by solid balance-sheet strength and constructive price momentum (trading above key moving averages with positive MACD). This is tempered by weaker fundamental operating trends, including sharply lower revenue growth and pressured cash-flow growth, while valuation and dividends provide additional support.

Positive Factors

Stable Balance Sheet

A stable balance sheet with low leverage indicates financial resilience, allowing CNB Financial to weather economic fluctuations and invest in growth opportunities.

Commitment to Dividends

Regular dividends demonstrate CNB Financial's commitment to returning value to shareholders, enhancing investor confidence and supporting long-term market positioning.

Diversified Revenue Streams

A diversified revenue model reduces dependency on any single income source, providing stability and resilience against sector-specific downturns.

Negative Factors

Declining Revenue Growth

Significant decline in revenue growth indicates potential challenges in market demand or competitive positioning, which could impact long-term profitability.

Negative Free Cash Flow Growth

Negative free cash flow growth suggests declining cash generation, which can constrain the company's ability to invest in growth and manage debt.

Declining Profit Margins

A decline in profit margins indicates operational inefficiencies or increased costs, potentially impacting long-term financial health and competitiveness.

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 primarily through interest income earned from loans, including commercial, consumer, and mortgage loans. The company also earns non-interest income from service fees, investment management services, and other financial products. By maintaining a diversified loan portfolio and a network of branches, CCNE can attract deposits, which are then used to fund loans, creating a significant spread between the interest earned on loans and the interest paid on deposits. Additionally, partnerships with local businesses and community organizations allow CCNE to enhance its service offerings and expand its customer base, thereby contributing to its overall earnings.

Cnb Financial Financial Statement Overview

Summary

Stable balance sheet with low leverage (debt-to-equity 0.22) supports resilience, but operating performance is mixed: revenue growth is sharply down (-63.8% TTM) and profitability/efficiency appears volatile (TTM EBITDA margin negative). Cash generation is also pressured (free cash flow growth -16.1% TTM), despite decent cash conversion (FCF to net income 0.86).

Income Statement

The income statement shows a mixed performance. The TTM gross profit margin is strong at 46.6%, but the net profit margin has declined significantly to 39.4% from 15.2% in the previous year. Revenue growth has sharply declined by 63.8% in the TTM, indicating potential challenges in revenue generation. EBIT and EBITDA margins are also showing volatility, with the TTM EBITDA margin being negative, suggesting operational inefficiencies.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.22 in the TTM, indicating conservative leverage. Return on equity is moderate at 7.0%, suggesting efficient use of equity. The equity ratio stands at a healthy level, indicating a strong capital base relative to assets.

Cash Flow

Cash flow analysis reveals some concerns. The free cash flow growth rate is negative at -16.1% in the TTM, indicating declining cash generation. However, the operating cash flow to net income ratio is reasonable at 0.44, suggesting adequate cash flow relative to earnings. The free cash flow to net income ratio is strong at 0.86, indicating good cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	393.84M	360.01M	322.01M	243.70M	209.20M	192.09M
Gross Profit	222.88M	212.79M	212.15M	211.03M	183.38M	144.28M
EBITDA	68.80M	75.63M	79.57M	84.79M	77.02M	46.17M
Net Income	47.55M	54.58M	58.02M	63.19M	57.71M	32.74M
Balance Sheet
Total Assets	8.25B	6.19B	5.75B	5.48B	5.33B	4.73B
Cash, Cash Equivalents and Short-Term Investments	815.57M	846.54M	564.00M	477.69M	1.43B	1.12B
Total Debt	331.15M	145.50M	142.54M	403.10M	125.44M	90.07M
Total Liabilities	7.41B	5.58B	5.18B	4.94B	4.89B	4.31B
Stockholders Equity	844.18M	610.70M	571.25M	530.76M	442.85M	416.14M
Cash Flow
Free Cash Flow	51.52M	55.23M	36.05M	51.76M	52.44M	23.11M
Operating Cash Flow	61.12M	71.51M	47.02M	64.05M	58.92M	28.76M
Investing Cash Flow	-27.60M	-203.28M	-149.46M	-804.70M	-409.76M	-168.68M
Financing Cash Flow	43.66M	352.76M	218.20M	114.73M	550.34M	479.64M

Cnb Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.10
• 50DMA: Positive
• 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 29.1 is above the 20-day moving average (MA) of 28.75, above the 50-day MA of 27.65, and above the 200-day MA of 24.80, indicating a bullish trend. The MACD of 0.67 indicates Positive momentum. The RSI at 55.81 is Neutral, neither overbought nor oversold. The STOCH value of 42.00 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
MBWM	77 Outperform	$927.26M	9.87	13.79%	3.05%	5.64%	6.24%
CCBG	73 Outperform	$721.84M	11.75	11.90%	2.33%	9.43%	17.64%
HAFC	72 Outperform	$820.18M	10.91	9.49%	3.82%	3.34%	15.52%
MCBS	69 Neutral	$835.15M	10.98	15.62%	3.55%	-0.23%	10.95%
CCNE	68 Neutral	$869.25M	11.77	6.51%	2.68%	11.13%	-15.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HTB	61 Neutral	$764.75M	11.78	10.88%	1.12%	0.21%	14.54%

Cnb Financial Corporate Events

CNB Financial unveils new investor presentation highlighting strength

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 trajectory and dividend record. The presentation underscores steady growth in tangible book value per share, returns on average tangible common equity, and diluted earnings per share over the past decade, a solid consolidated capital position as of December 31, 2025 with multiple capital ratios comfortably above regulatory minimums, and a long history of uninterrupted common dividends, signaling continued emphasis on shareholder returns and a conservative balance-sheet profile that may reassure investors amid ongoing volatility in the banking sector.

The most recent analyst rating on (CCNE) stock is a Hold with a $29.00 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 on Series A Preferred

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. The dividend, designated for holders of record as of February 15, 2026, is scheduled to be paid on March 1, 2026, underscoring the company’s continued return of capital to preferred shareholders and providing income visibility for investors in its preferred and depositary shares.

The most recent analyst rating on (CCNE) stock is a Hold with a $28.00 price target. To see the full list of analyst forecasts on Cnb Financial stock, see the CCNE Stock Forecast page.

CNB Financial to Present at Investor Meetings

CNB Financial Corporation announced that it will use materials in upcoming investor meetings starting November 20, 2025, which will also be available on their website. The presentation includes forward-looking statements regarding the company’s financial condition and operations, highlighting potential risks and uncertainties that could impact its performance. The company did not repurchase shares in the first nine months of 2025, maintaining a capacity of 500,000 shares or $15 million under the current program.

The most recent analyst rating on (CCNE) stock is a Hold with a $27.00 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 Q4 2025

On November 12, 2025, CNB Financial Corporation’s Board of Directors declared a quarterly cash dividend of $0.18 per share of common stock, payable on December 12, 2025, to shareholders of record as of November 28, 2025. This announcement reflects the company’s ongoing commitment to providing returns to its shareholders and may positively impact its market positioning by reinforcing investor confidence.

The most recent analyst rating on (CCNE) stock is a Hold with a $27.00 price target. To see the full list of analyst forecasts on Cnb Financial stock, see the CCNE Stock Forecast page.