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Company Analysis

CNB Financial Corporation CCNE

A comprehensive view of key metrics, scores, and financial health for CNB Financial Corporation

Overview of CNB Financial Corporation

CCNE NMS
Financial Services Banks - Regional Small Cap
CNB Financial Corporation (CCNE), is a Small Cap company, in the Banks - Regional industry, last closed at $27.13, about 1.8% undervalued vs fair value, +19.8% 1Y return, ranked 338/1004 in sector.
$27.13
0.15%
As of March 13, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$799.69M
Enterprise Value
$990.99M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.cnbbank.bank
HQ Clearfield, PA
Fiscal year Dec 31

Next Events

Earnings Apr 14 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $27.13 +2% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$325.1M
10.9%%
Interest Expense
$150.3M
Net Interest Income
$187.1M
-1.2%%
Total Revenue
$404.9M
82.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.0%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$19.9M
39.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating CNB Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
50
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CCNE's balance between Growth (45.1%), Profitability (25.7%), and Safety (29.3%). Growth 45% Safety 29% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

77th percentile vs peers
78
Key Signals
Asset Growth YoY 35.6% 95p Rev Growth YoY 82.4% 72p Revenue CAGR 3Y 22.6% 66p
Strengths
  • Asset Growth Yoy in top 20% of peers (35.6%, 95th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

44th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CNB Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.62
- - -
+1.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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