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Upturn AI SWOT - About
CCNE 
CNB Financial Corporation (CCNE)
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Upturn Advisory Summary
08/28/2025: 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
1 Year Target Price $28
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.94% | Avg. Invested days 25 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 781.68M USD | Price to earnings Ratio 11.14 | 1Y Target Price 28 |
Price to earnings Ratio 11.14 | 1Y Target Price 28 | ||
Volume (30-day avg) 3 | Beta 0.67 | 52 Weeks Range 19.03 - 28.46 | Updated Date 08/29/2025 |
52 Weeks Range 19.03 - 28.46 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.69% | Basic EPS (TTM) 2.38 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 11.14 | Forward PE 10.12 | Enterprise Value 571313216 | Price to Sales(TTM) 3.48 |
Enterprise Value 571313216 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA - | Shares Outstanding 29475100 | Shares Floating 28263110 |
Shares Outstanding 29475100 | Shares Floating 28263110 | ||
Percent Insiders 2.64 | Percent Institutions 45.77 |
Upturn AI SWOT
CNB Financial Corporation
Company Overview
History and Background
CNB Financial Corporation was founded in 1865. Initially a single bank, it has grown through organic expansion and acquisitions to become a multi-bank holding company serving Pennsylvania, Ohio, and New York.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including deposit accounts, loans, and wealth management.
- Wealth Management: Offers trust and asset management services to individuals, families, and institutions.
- Insurance: Provides insurance products and services.
Leadership and Structure
The leadership team consists of key executives responsible for various departments, overseen by the CEO and Board of Directors. The organizational structure is hierarchical, with regional presidents managing local banking operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is regionally dependent; competitors include larger national and regional banks. Competitors include: PNC, Northwest Bank, and FNB Corp.
- Residential Mortgages: Mortgages for purchasing or refinancing residential properties. Market share is regionally dependent. Competitors include: Rocket Mortgage, U.S. Bank, and Wells Fargo.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is regionally dependent. Competitors include: Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulation, technological disruption, and competition from non-bank financial institutions.
Positioning
CNB Financial Corporation focuses on providing personalized service to local communities, differentiating itself from larger national banks through relationship banking.
Total Addressable Market (TAM)
The TAM is the total banking market in Pennsylvania, Ohio, and New York, estimated at several hundred billion dollars. CNB is positioned to capture a portion of this TAM through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Diverse product and service offerings
Weaknesses
- Smaller scale compared to national banks
- Limited geographic reach
- Dependence on local economies
- Potential for higher operational costs
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Growing demand for wealth management services
- Acquisitions of smaller community banks
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FNB
- Northwest Bancshares
Competitive Landscape
CNB Financial Corporation competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its personalized service and local market knowledge.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by continued expansion, digital banking initiatives, and wealth management growth.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
CNB Financial Corporation is a community-focused bank with a strong regional presence. Its customer-centric approach and diverse product offerings are working well. It needs to be wary of increasing competition and potential economic downturns. CNB Financial Corporation is smaller than the national banks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data is illustrative. Investment decisions should be made after consulting with a qualified financial advisor.
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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