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Upturn AI SWOT - About
CCNE 
CNB Financial Corporation (CCNE)
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Upturn Advisory Summary
06/20/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -15.19% | 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 06/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 459.24M USD | Price to earnings Ratio 9.35 | 1Y Target Price 26.17 |
Price to earnings Ratio 9.35 | 1Y Target Price 26.17 | ||
Volume (30-day avg) 65746 | Beta 0.62 | 52 Weeks Range 18.28 - 28.66 | Updated Date 06/22/2025 |
52 Weeks Range 18.28 - 28.66 | Updated Date 06/22/2025 | ||
Dividends yield (FY) 3.29% | 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 9.35 | Forward PE 10.12 | Enterprise Value 155348816 | Price to Sales(TTM) 2.08 |
Enterprise Value 155348816 | Price to Sales(TTM) 2.08 | ||
Enterprise Value to Revenue 2.94 | 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 4.33 | 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 organically and through acquisitions, expanding its presence across Pennsylvania, Ohio, New York, and Virginia.
Core Business Areas
- Community Banking: Offers a full range of banking services, including checking and savings accounts, loans, and other financial products to individuals and businesses.
- Wealth Management: Provides wealth management services, including investment advice, financial planning, trust and estate administration, and insurance products.
- Mortgage Services: Offers residential mortgage lending services.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments such as retail banking, commercial lending, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans cater to businesses of varying sizes, offering funding for expansion, equipment purchases, and operational needs. CNB competes with larger national banks and other regional players, such as PNC and Northwest Bancshares. Specific market share data is not readily available.
- Residential Mortgages: Residential mortgages assist individuals in purchasing homes. CNB competes with national mortgage lenders like Rocket Mortgage and local credit unions. Market share data for CNB's specific mortgage portfolio is not readily available. Revenue is derived from interest income and fees associated with mortgage origination and servicing.
- Wealth Management Services: Wealth management encompasses investment advice, financial planning, and trust services. Competitors include large wealth management firms like Merrill Lynch and smaller, regional advisory groups. Revenue is fee-based, typically a percentage of assets under management. Market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, facing challenges from fintech companies and changing customer preferences. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
CNB Financial Corporation positions itself as a community-focused bank with a strong emphasis on customer service and local decision-making, differentiating itself from larger national banks.
Total Addressable Market (TAM)
The TAM for community banking and wealth management in CNB's geographic footprint is estimated to be several billion dollars. CNB is positioned to capture a portion of this market through its local presence and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Relationship-focused banking
- Diversified revenue streams
- Experienced management team
Weaknesses
- Limited geographic reach compared to larger banks
- Higher cost structure relative to larger banks
- Reliance on traditional banking channels
- Lower brand recognition outside of core markets
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- Northwest Bancshares
- Fulton Financial
Competitive Landscape
CNB Financial faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantage lies in its local focus and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Overview of CNB's growth patterns over the years
Future Projections: Industry analyst estimate projection for the future
Recent Initiatives: New initiatives or strategic ventures from CNB
Summary
CNB Financial Corporation is a stable community bank with a strong local presence and diversified revenue streams. Its growth is constrained by its smaller size and limited geographic reach. Opportunities exist for expansion and technology adoption, but it faces threats from larger competitors and economic uncertainties. The company's focus on customer relationships is a key strength.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance 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.
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