Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
CCNE 
CNB Financial Corporation (CCNE)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/01/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $28.33
1 Year Target Price $28.33
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.31% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 764.02M USD | Price to earnings Ratio 13.5 | 1Y Target Price 28.33 |
Price to earnings Ratio 13.5 | 1Y Target Price 28.33 | ||
Volume (30-day avg) 3 | Beta 0.74 | 52 Weeks Range 18.90 - 27.49 | Updated Date 12/1/2025 |
52 Weeks Range 18.90 - 27.49 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 2.77% | Basic EPS (TTM) 1.92 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.86% | Operating Margin (TTM) 25.25% |
Management Effectiveness
Return on Assets (TTM) 0.67% | Return on Equity (TTM) 6.56% |
Valuation
Trailing PE 13.5 | Forward PE 10.12 | Enterprise Value 727526464 | Price to Sales(TTM) 3.35 |
Enterprise Value 727526464 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 4.61 | Enterprise Value to EBITDA - | Shares Outstanding 29476240 | Shares Floating 28409018 |
Shares Outstanding 29476240 | Shares Floating 28409018 | ||
Percent Insiders 2.64 | Percent Institutions 61.3 |
Upturn AI SWOT
CNB Financial Corporation
Company Overview
History and Background
CNB Financial Corporation was founded in 1865. Initially focused on serving local communities in Pennsylvania, it has grown through strategic acquisitions and organic expansion, evolving into a diversified financial services provider.
Core Business Areas
- Community Banking: Provides traditional banking services, including checking, savings, and loan products to individuals and businesses.
- Wealth Management: Offers financial planning, investment management, and trust services to individuals and families.
- Insurance: Provides a range of insurance products through its agency network.
- Mortgage Services: Offers residential and commercial mortgage lending.
Leadership and Structure
The company is led by its Board of Directors and a senior management team headed by the President and CEO. The organizational structure is hierarchical, with regional and departmental divisions reporting to the executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial lending products, including term loans, lines of credit, and real estate financing. Market share data is not publicly available. Competitors include regional and national banks, as well as credit unions and non-bank lenders.
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Market share data is not publicly available. Competitors include national mortgage lenders, regional banks, and credit unions.
- Wealth Management Services: Offers personalized investment advice, financial planning, and estate planning services. Market share data is not publicly available. Competitors include major brokerage firms, investment advisors, and other wealth management providers.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and growing competition from non-traditional financial service providers and fintech companies. The industry is also seeing technological advancements and is facing pressure to adopt digital solutions.
Positioning
CNB Financial Corporation is positioned as a community-focused bank that offers a wide range of financial services. Its competitive advantage lies in its strong local presence and personalized customer service.
Total Addressable Market (TAM)
The TAM for community banking and financial services is estimated at trillions of dollars. CNB Financial Corporation is positioned to capture a share of this market by focusing on its regional presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified revenue streams
- Experienced management team
- Commitment to customer service
Weaknesses
- Limited geographic reach compared to larger banks
- Exposure to regional economic fluctuations
- Higher operating costs than some competitors
- Dependence on net interest income
Opportunities
- Expansion into new markets
- Increased adoption of digital banking solutions
- Acquisition of smaller banks and financial institutions
- Growing demand for wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Regulatory changes and compliance costs
- Economic downturns and credit risk
- Rising interest rates and margin compression
Competitors and Market Share
Key Competitors
- Fulton Financial Corp (FULT)
- WesBanco (WSBC)
- Peoples Bancorp Inc. (PEBO)
Competitive Landscape
CNB Financial Corporation operates in a competitive environment against larger regional and national banks. It competes on customer service, local expertise, and a full suite of financial products. CNB's advantage lies in their community banking approach and strong ties within their service areas, while larger competitors have wider resources and name recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is linked to economic conditions of the region and strategic acquisitions.
Future Projections: Future projections are based on analyst forecasts and can be obtained from financial news sources.
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms and expansion into new geographic markets.
Summary
CNB Financial Corporation is a well-established community bank with a diversified business model. While it benefits from a strong local presence and customer focus, it faces competition from larger institutions and must navigate regulatory challenges and economic cycles. Strategic investments in digital technology and prudent risk management are crucial for sustained growth and shareholder value. Focusing on acquisitions to increase market share will be key for growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Financial News Outlets
- Industry Reports
- Market Data Providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and analyst estimates are subject to change.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.