CNB Financial (CCNE) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

CNB Financial

NasdaqGS•Financial Services•Banks - Regional

$34.91+0.56(0.02%)Market closed

Market Cap

$1.00B

P/E

10.4x

P/S

2.0x

P/B

1.1x

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various 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 other specialized financial services. It also provides private banking services; and 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 offers small balance unsecured loans, and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

How this company scores

WeakMetricSide Score: 88/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.4x5y range 5.3x – 14.0x

Currently above its 20-quarter median.

P/S · 2.0x5y range 1.2x – 2.0x

Currently above its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.1x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 40.8% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.00B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $495.84M
Q. Revenue: $126.96M
TTM EBITDA: $132.68M
TTM Op. Income: $119.17M
Q. Op. Income: $35.16M
TTM Net Income: $96.03M
Q. Net Income: $28.30M
EPS: $0.92
Shares Out.: $29.35M

$495.84M in TTM revenue grew 32.6% YoY, reaching $126.96M last quarter. TTM EBITDA of $132.68M and TTM operating income of $119.17M show growth is flowing through to the bottom line. TTM net income of $96.03M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 69.0%
EBITDA Margin: 28.5%
Op. Margin: 27.7%
Net Margin: 22.3%

Op. margin of 27.7% is up 9.5% YoY — cost efficiency is improving. Net margin at 22.3% and gross margin of 69.0% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 52% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.4x
P/S Ratio: 2.0x
P/B Ratio: 1.1x

At 10.4x P/E, the stock trades below typical market levels. P/S of 2.0x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.43B
Cash: $458.44M
Long-Term Debt: $35.00M
Book Value: $909.45M
D/E Ratio: 0.0
Debt/EBITDA: 1.0

With $8.43B in assets and $35.00M in long-term debt, D/E is 0.0and book value is $909.45M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $36.90M
TTM Free Cash Flow: $85.72M
FCF Margin: 17.3%
FCF / Net Income: 0.9

TTM FCF of $85.72M on $36.90M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.