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Upturn AI SWOT - About
CCNE 
CNB Financial Corporation (CCNE)
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Upturn Advisory Summary
06/30/2025: CCNE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Year Target Price $26.17
Year Target Price $26.17
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.19% | Avg. Invested days 24 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 480.22M USD | Price to earnings Ratio 9.78 | 1Y Target Price 26.17 |
Price to earnings Ratio 9.78 | 1Y Target Price 26.17 | ||
Volume (30-day avg) 3 | Beta 0.62 | 52 Weeks Range 18.36 - 28.66 | Updated Date 06/30/2025 |
52 Weeks Range 18.36 - 28.66 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 2.34 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.31% | Operating Margin (TTM) 30.44% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 8.89% |
Valuation
Trailing PE 9.78 | Forward PE 10.12 | Enterprise Value 176212912 | Price to Sales(TTM) 2.18 |
Enterprise Value 176212912 | Price to Sales(TTM) 2.18 | ||
Enterprise Value to Revenue 3.04 | Enterprise Value to EBITDA - | Shares Outstanding 20979300 | Shares Floating 20169520 |
Shares Outstanding 20979300 | Shares Floating 20169520 | ||
Percent Insiders 2.63 | Percent Institutions 62.54 |
Analyst Ratings
Rating 2 | Target Price 26.17 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CNB Financial Corporation
Company Overview
History and Background
CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania. It has grown through organic expansion and strategic acquisitions to become a leading community bank in Pennsylvania, Ohio, and New York.
Core Business Areas
- Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services to individuals and families.
- Insurance: Provides insurance products to individuals and businesses.
Leadership and Structure
The leadership team is headed by Michael D. Peduzzi (President and CEO). The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Competitors include other regional and national banks. Data on specific commercial loan market share is not readily available.
- Residential Mortgages: Offers mortgage products to individuals for home purchases and refinancing. Market share data is not readily available and competitors include national mortgage companies and other regional banks.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Market share varies by region; competitors include all banks operating in their footprint.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies, rising interest rates, and evolving customer expectations.
Positioning
CNB Financial Corporation positions itself as a community-focused bank offering personalized service and local expertise. Their competitive advantage lies in their strong customer relationships and deep understanding of the local markets they serve.
Total Addressable Market (TAM)
The TAM for banking services in CNB Financial Corporation's operating regions is estimated to be in the billions of dollars. CNB Financial Corporation is well-positioned within this TAM because they have a local market advantage and customer loyalty.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Diversified revenue streams
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on traditional banking channels
- Exposure to regional economic conditions
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Strategic acquisitions
- Growth in wealth management business
- Increased demand for digital banking services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Fulton Financial Corp (FULT)
- WesBanco (WSBC)
- First Commonwealth Financial (FCF)
Competitive Landscape
CNB Financial Corporation faces intense competition from larger regional and national banks. Its advantages include strong local presence and customer relationships. Its disadvantages include limited scale and resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires actual financial data.
Future Projections: Future projections require analyst estimates.
Recent Initiatives: Recent initiatives require accessing reliable company data.
Summary
CNB Financial Corporation is a community-focused bank with strengths in customer relationships and local market expertise. It faces challenges from larger competitors and the evolving banking landscape. Solid financial performance and diversified revenue streams are working well. It needs to look out for rising interest rates and cybersecurity risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (e.g., 10-K, 10-Q)
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is often estimated and may not be precise. Financial performance data is based on available information and may not be comprehensive. This analysis is subject to change without notice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CNB Financial Corporation
Exchange NASDAQ | Headquaters Clearfield, PA, United States | ||
IPO Launch date 1996-05-30 | President, CEO & Director Mr. Michael D. Peduzzi CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 769 | Website https://www.cnbbank.bank |
Full time employees 769 | Website https://www.cnbbank.bank | ||
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. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.
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