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Upturn AI SWOT - About
CCNE 
CNB Financial Corporation (CCNE)
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Upturn Advisory Summary
09/17/2025: 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 -16.04% | Avg. Invested days 26 | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 749.26M USD | Price to earnings Ratio 10.68 | 1Y Target Price 28 |
Price to earnings Ratio 10.68 | 1Y Target Price 28 | ||
Volume (30-day avg) 3 | Beta 0.71 | 52 Weeks Range 19.03 - 28.46 | Updated Date 09/17/2025 |
52 Weeks Range 19.03 - 28.46 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.80% | 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 10.68 | Forward PE 10.12 | Enterprise Value 539170432 | Price to Sales(TTM) 3.33 |
Enterprise Value 539170432 | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 4.12 | Enterprise Value to EBITDA - | Shares Outstanding 29475100 | Shares Floating 28263110 |
Shares Outstanding 29475100 | Shares Floating 28263110 | ||
Percent Insiders 2.64 | Percent Institutions 45.74 |
Upturn AI SWOT
CNB Financial Corporation
Company Overview
History and Background
CNB Financial Corporation was founded in 1865 as Clearfield National Bank. It has grown organically and through acquisitions to become a diversified financial services provider.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans, and other financial services to individuals and businesses in its geographic footprint.
- Wealth Management: Provides investment advisory, trust, and retirement planning services.
- Insurance: Offers various insurance products to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes regional banking divisions, wealth management, and insurance subsidiaries.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share is difficult to determine precisely but falls within the range of the regional banking sector. Competitors include other regional banks and national banks.
- Mortgage Loans: Loans to individuals for purchasing or refinancing homes. Competitors include large national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory scrutiny, and evolving customer expectations driven by technological advancements.
Positioning
CNB Financial Corporation is positioned as a community-focused bank with a strong local presence and a diversified range of financial services.
Total Addressable Market (TAM)
The TAM for community banking services in CNB's geographic footprint is estimated to be in the billions of dollars. CNB captures a portion of this TAM through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified revenue streams
- Experienced management team
- Strong asset quality
Weaknesses
- Limited geographic reach
- Dependence on traditional banking model
- Lower technology budget compared to larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller banks or financial service companies
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Fulton Financial Corp (FULT)
- WesBanco, Inc. (WSBC)
- First Commonwealth Financial Corp (FCF)
Competitive Landscape
CNB Financial Corporation competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include its local presence, customer service, and diversified product offerings. Disadvantages include its limited geographic reach and smaller size compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Discuss CNB Financial Corporation's growth trends over the past years.
Future Projections: Provide projections for CNB Financial Corporation's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by CNB Financial Corporation.
Summary
CNB Financial Corporation is a stable community bank with a diversified business model. Its strong local presence and customer relationships are key assets. It faces challenges from larger competitors and technological disruption. Careful management of interest rate risk and investments in technology are crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximations. Consult a financial professional before making investment decisions.
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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