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Upturn AI SWOT - About
CCNE 
CNB Financial Corporation (CCNE)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/30/2025: CCNE (1-star) is currently NOT-A-BUY. Pass it for now.
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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $27.67
1 Year Target Price $27.67
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.77% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 713.30M USD | Price to earnings Ratio 10.17 | 1Y Target Price 27.67 |
Price to earnings Ratio 10.17 | 1Y Target Price 27.67 | ||
Volume (30-day avg) 3 | Beta 0.67 | 52 Weeks Range 19.03 - 28.46 | Updated Date 10/31/2025 |
52 Weeks Range 19.03 - 28.46 | Updated Date 10/31/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 2.38 |
Earnings Date
Report Date 2025-10-27 | When - | Estimate 0.7267 | Actual 0.82 |
Profitability
Profit Margin 24.23% | Operating Margin (TTM) 32.61% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 8.9% |
Valuation
Trailing PE 10.17 | Forward PE 10.12 | Enterprise Value 503521248 | Price to Sales(TTM) 3.17 |
Enterprise Value 503521248 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 3.89 | Enterprise Value to EBITDA - | Shares Outstanding 29475148 | Shares Floating 28263110 |
Shares Outstanding 29475148 | Shares Floating 28263110 | ||
Percent Insiders 2.64 | Percent Institutions 45.86 |
Upturn AI SWOT
CNB Financial Corporation
Company Overview
History and Background
CNB Financial Corporation was founded in 1865 and has grown into a multi-bank holding company, providing financial services to individuals, businesses, and communities across Pennsylvania, Ohio, New York and Virginia.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loan products, and other banking services to individuals and businesses.
- Wealth Management: Provides investment management, trust services, and financial planning to individuals and families.
- Insurance: Offers insurance products and services through its insurance agencies.
Leadership and Structure
The leadership team includes the President and CEO, Chief Financial Officer, and various regional presidents. The organizational structure comprises multiple banking subsidiaries, each with its own management team.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment financing. Market share data not readily available, competitors include regional and national banks like PNC, FNB, and Citizens.
- Residential Mortgages: Home loans for purchasing or refinancing properties. Market share data not readily available, competitors include regional and national banks like PNC, FNB, and Citizens.
- SBA Loans: Government-backed small business loans. Market share data not readily available, competitors include regional and national banks like PNC, FNB, and Citizens.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data not readily available, competitors include regional and national banks like PNC, FNB, and Citizens.
- Wealth Management Services: Investment advice and portfolio management for high-net-worth individuals. Market share data not readily available, competitors include regional and national banks like PNC, FNB, and Citizens.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increased competition from fintech companies.
Positioning
CNB Financial Corporation positions itself as a community-focused bank, emphasizing personalized service and local decision-making. It is positioned as a strong regional player with loyal customers.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, estimated to be in the billions of dollars across the states where CNB operates. CNB is positioned to capture a portion of this market through its branch network and online services.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified revenue streams
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Higher operating expenses than some larger competitors
- Reliance on traditional banking services
- Cyber security threats
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Rising interest rates reducing net interest margin
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- PNC
- FNB
- CTZN
Competitive Landscape
CNB Financial Corporation faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include its strong community relationships and personalized service.
Growth Trajectory and Initiatives
Historical Growth: CNB Financial Corporation has experienced moderate growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates for future growth vary depending on economic conditions and company-specific factors. These can be found on financial data sites.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion into new markets, and acquisitions of smaller community banks.
Summary
CNB Financial Corporation is a relatively healthy regional bank with a strong focus on community banking. Its strength lies in its established customer relationships and local market presence. However, it needs to be aware of the increasing competition and economic headwinds which could affect its revenue growth. Digital transformation and strategic acquisitions will play vital roles in the bank's future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- CNB Financial Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Market Research Reports
- Company website
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data is approximate and may vary depending on the source. Investment decisions should be based on individual risk tolerance and thorough research.
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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