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Cnb Financial (CCNE)
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Cnb Financial (CCNE) AI Stock Analysis

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CCNE

Cnb Financial

(NASDAQ:CCNE)

Rating:76Outperform
Price Target:
$26.00
▲(12.31%Upside)
Cnb Financial's strong financial performance and positive corporate activities significantly boost the stock's attractiveness. While the technical indicators suggest a stable position, the valuation metrics highlight potential upside, making the stock a compelling investment in the regional banking sector.
Positive Factors
Earnings
Expected EPS accretion of 35% is very solid, and it is believed to be achievable.
Growth Strategy
The company is expected to be on the hunt for growth, both organically and through deals, highlighted by the ESSA deal which is anticipated to increase total assets to $8.5 billion.
Valuation
The shares are considered undervalued at approximately 85% of P/TBV, indicating a compelling value at current levels despite a strong ROA/ROTCE outlook and solid credit quality history.
Negative Factors
Market Reaction
CCNE shares traded down 3.6% following the announcement of the ESSA acquisition, just slightly underperforming KRX peers as TBV dilution (15%) and earnback (3.3 years) are modestly higher than investors generally prefer.

Cnb Financial (CCNE) vs. SPDR S&P 500 ETF (SPY)

Cnb Financial Business Overview & Revenue Model

Company DescriptionCNB Financial Corporation (CCNE) is a financial holding company that provides a range of banking and financial services through its primary subsidiary, CNB Bank. The company operates in the financial services sector, offering products such as personal and commercial banking, wealth management, and investment services. CNB Financial serves its clients through a network of branch locations, ATMs, and digital banking platforms, focusing on community-oriented banking solutions.
How the Company Makes MoneyCNB Financial Corporation makes money primarily through the net interest income generated from its traditional banking operations. This includes earning interest on loans and other financial assets, while paying interest on deposits and borrowings. The company also generates revenue from non-interest income sources such as fees and service charges related to deposit accounts, loan servicing, and debit card transactions. Wealth management and investment services contribute additional revenue through fees for advisory and asset management services. CNB Financial's earnings are further supported by strategic partnerships and investment activities that enhance its product offerings and expand its market presence.

Cnb Financial Financial Statement Overview

Summary
Cnb Financial exhibits strong revenue growth and efficient operations, with a healthy equity base and no debt. However, the decrease in net income and return on equity indicates areas for improvement in profitability and shareholder returns.
Income Statement
82
Very Positive
Cnb Financial has demonstrated strong growth in revenue over the years, with a significant increase from 2023 to 2024. The gross profit margin remains high as expected in the banking industry. The EBIT and EBITDA margins indicate efficient core operations. However, the slight decline in net income from 2023 to 2024 suggests some pressure on profitability, potentially due to increased expenses or lower interest margins.
Balance Sheet
75
Positive
The company's balance sheet shows a healthy equity base with zero debt in 2024, which significantly reduces financial risk. The equity ratio is stable, reflecting a strong reliance on equity financing. However, the return on equity has decreased compared to previous years, indicating room for improvement in generating returns for shareholders.
Cash Flow
78
Positive
Cnb Financial's operating cash flow has improved, indicating better cash generation efficiency. The free cash flow has also increased, reflecting effective cash management. The free cash flow to net income ratio is strong, demonstrating robust cash conversion. However, the substantial negative investing cash flow could indicate aggressive capital investments, which need careful monitoring.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue364.93M360.01M322.01M243.70M209.20M192.09M
Gross Profit215.33M212.79M212.15M211.03M183.38M144.28M
EBITDA74.70M75.63M79.57M84.79M77.02M46.17M
Net Income53.46M54.58M58.02M63.19M57.71M32.74M
Balance Sheet
Total Assets6.30B6.19B5.75B5.48B5.33B4.73B
Cash, Cash Equivalents and Short-Term Investments966.75M846.54M564.00M477.69M1.43B1.12B
Total Debt145.30M145.50M142.54M403.10M125.44M90.07M
Total Liabilities5.67B5.58B5.18B4.94B4.89B4.31B
Stockholders Equity624.51M610.70M571.25M530.76M442.85M416.14M
Cash Flow
Free Cash Flow55.08M55.23M36.05M51.76M52.44M23.11M
Operating Cash Flow70.65M71.51M47.02M64.05M58.92M28.76M
Investing Cash Flow-254.40M-203.28M-149.46M-804.70M-409.76M-168.68M
Financing Cash Flow402.45M352.76M218.20M114.73M550.34M479.64M

Cnb Financial Technical Analysis

Technical Analysis Sentiment
Negative
Last Price23.15
Price Trends
50DMA
22.84
Positive
100DMA
22.39
Positive
200DMA
23.89
Negative
Market Momentum
MACD
0.21
Positive
RSI
45.16
Neutral
STOCH
17.49
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCNE, the sentiment is Negative. The current price of 23.15 is below the 20-day moving average (MA) of 23.95, above the 50-day MA of 22.84, and below the 200-day MA of 23.89, indicating a neutral trend. The MACD of 0.21 indicates Positive momentum. The RSI at 45.16 is Neutral, neither overbought nor oversold. The STOCH value of 17.49 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCNE.

Cnb Financial Risk Analysis

Cnb Financial disclosed 30 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

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$699.68M9.869.29%3.11%7.40%
72
Outperform
$458.73M11.648.70%4.20%6.33%3.44%
72
Outperform
$525.42M11.8613.36%1.27%22.14%12.06%
69
Neutral
$464.33M14.375.31%0.78%7.35%-2.65%
62
Neutral
AU$10.09B9.4811.83%5.01%33.36%41.81%
58
Neutral
$521.04M8.52-16.42%4.79%-29.94%-178.36%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CCNE
Cnb Financial
23.15
-0.42
-1.78%
BHB
Bar Harbor Bankshares
29.25
-0.11
-0.37%
FISI
Financial Institutions
25.49
1.50
6.25%
PGC
Peapack-Gladstone Financial
25.48
-0.79
-3.01%
CBNK
Capital Bancorp
31.62
6.97
28.28%

Cnb Financial Corporate Events

Dividends
CNB Financial Declares Quarterly Dividend for Series A
Positive
Jul 29, 2025

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.

Executive/Board ChangesM&A TransactionsBusiness Operations and Strategy
CNB Financial Completes Merger with ESSA Bancorp
Positive
Jul 24, 2025

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.

Executive/Board ChangesM&A Transactions
CNB Financial Appoints ESSA Board Members Amid Merger
Neutral
Jul 21, 2025

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.

Stock Buyback
CNB Financial Gets Fed Approval for Share Buyback
Positive
Jul 1, 2025

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.

M&A Transactions
CNB Financial and ESSA Bancorp Merger Approved
Positive
Jun 30, 2025

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.

Dividends
CNB Financial Declares Quarterly Cash Dividend
Positive
May 13, 2025

On May 13, 2025, CNB Financial Corporation’s Board of Directors declared a quarterly cash dividend of $0.18 per share of common stock, payable on June 13, 2025, to shareholders of record as of May 30, 2025. This announcement reflects CNB Financial’s ongoing commitment to providing shareholder value and indicates stable financial health, potentially enhancing its attractiveness to investors and strengthening its position in the financial services industry.

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.

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.Date of analysis: Jul 31, 2025