CNB Financial Corporation (CCNE) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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 deposit offerings cover checking, savings, and certificates of deposit.
Analysis Summary
CNB Financial Corporation reported revenue of $404.9M in the most recent fiscal year, growing at a 5-year CAGR of 16.1%. Net income reached $66.1M, with a 15.1% 5-year CAGR.
Trailing-twelve-month margins: gross margin 64.7%, operating margin 23.3%, net margin 20.5%. Free cash flow grew at 20.5% CAGR over 5 years.
At the current price of $34.20, CCNE trades at a P/E of 10.64 and an ROE of 10.93%. Market capitalisation stands at $1.0B.
Balance sheet quality for CCNE: current ratio of 0.1, net cash position of $629.7M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is decent: free cash flow of $58.7M represents 89% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $34.20 |
| Market Cap | $1.0B |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 10.64 |
| Price / Book | 1.08 |
| EV / EBITDA | 9.96 |
| Dividend Yield | 2.25% |
Profitability
| Return on Equity | 10.93% |
| Return on Invested Capital | 1.04% |
| Return on Assets | 1.14% |
| Gross Margin | 64.73% |
| Operating Margin | 23.26% |
| Net Margin | 20.46% |
Financial Health
| Debt / Equity | 0.31 |
| Current Ratio | 0.72 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CCNE | CNB Financial Corporation | $1.0B | 10.64 | 1.08 | 10.9% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -1.64% |
| 3 months | +6.50% |
| Year-to-date | +30.88% |
| 1 year | +33.37% |
| 3 years | +87.98% |
52-Week Range
| 52-week High | $36.17 |
| 52-week Low | $22.80 |
| Avg Volume (90d) | 159K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-09-01 | $0.1900 | 2.22% |
| 2026-06-01 | $0.1900 | 2.22% |
| 2026-02-27 | $0.1900 | 2.22% |
| 2025-11-28 | $0.1800 | 2.11% |
| 2025-08-29 | $0.1800 | 2.11% |
| 2025-05-30 | $0.1800 | 2.11% |
| 2025-02-28 | $0.1800 | 2.11% |
| 2024-11-29 | $0.1800 | 2.11% |
| 2024-08-30 | $0.1800 | 2.11% |
| 2024-05-31 | $0.1750 | 2.05% |
Related companies: AMTB · BFST · CCBG · HBNC · HBT · HTB · MBWM
Explore sector: Financial Services · Banks - Regional
More sections of CCNE: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Radar — undervalued stock signals · Investment Academy — learn to analyze stocks