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CCNE logo CCNE
Upturn stock ratingUpturn stock rating
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CNB Financial Corporation (CCNE)

Upturn stock ratingUpturn stock rating
$22.86
Last Close (24-hour delay)
Profit since last BUY0%
upturn advisory
Consider higher Upturn Star rating
BUY since 1 day
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Upturn Advisory Summary

06/30/2025: CCNE (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Year Target Price $26.17

Year Target Price $26.17

Analyst’s Price TargetsFor last 52 week
$26.17Target price
Low$18.36
Current$22.86
high$28.66

Analysis of Past Performance

Type Stock
Historic Profit -15.19%
Avg. Invested days 24
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 480.22M USD
Price to earnings Ratio 9.78
1Y Target Price 26.17
Price to earnings Ratio 9.78
1Y Target Price 26.17
Volume (30-day avg) 3
Beta 0.62
52 Weeks Range 18.36 - 28.66
Updated Date 06/30/2025
52 Weeks Range 18.36 - 28.66
Updated Date 06/30/2025
Dividends yield (FY) 3.15%
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 9.78
Forward PE 10.12
Enterprise Value 176212912
Price to Sales(TTM) 2.18
Enterprise Value 176212912
Price to Sales(TTM) 2.18
Enterprise Value to Revenue 3.04
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 2
Target Price 26.17
Buy -
Strong Buy 2
Buy -
Strong Buy 2
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

CNB Financial Corporation

stock logo

Company Overview

overview logo History and Background

CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania. It has grown through organic expansion and strategic acquisitions to become a leading community bank in Pennsylvania, Ohio, and New York.

business area logo Core Business Areas

  • Community Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
  • Wealth Management: Offers wealth management and trust services to individuals and families.
  • Insurance: Provides insurance products to individuals and businesses.

leadership logo Leadership and Structure

The leadership team is headed by Michael D. Peduzzi (President and CEO). The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides loans to businesses for various purposes. Competitors include other regional and national banks. Data on specific commercial loan market share is not readily available.
  • Residential Mortgages: Offers mortgage products to individuals for home purchases and refinancing. Market share data is not readily available and competitors include national mortgage companies and other regional banks.
  • Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Market share varies by region; competitors include all banks operating in their footprint.

Market Dynamics

industry overview logo Industry Overview

The banking industry is facing increased competition from fintech companies, rising interest rates, and evolving customer expectations.

Positioning

CNB Financial Corporation positions itself as a community-focused bank offering personalized service and local expertise. Their competitive advantage lies in their strong customer relationships and deep understanding of the local markets they serve.

Total Addressable Market (TAM)

The TAM for banking services in CNB Financial Corporation's operating regions is estimated to be in the billions of dollars. CNB Financial Corporation is well-positioned within this TAM because they have a local market advantage and customer loyalty.

Upturn SWOT Analysis

Strengths

  • Strong customer relationships
  • Local market expertise
  • Diversified revenue streams
  • Experienced management team
  • Solid financial performance

Weaknesses

  • Limited geographic reach compared to larger banks
  • Dependence on traditional banking channels
  • Exposure to regional economic conditions

Opportunities

  • Expansion into new markets
  • Adoption of new technologies
  • Strategic acquisitions
  • Growth in wealth management business
  • Increased demand for digital banking services

Threats

  • Increased competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • Fulton Financial Corp (FULT)
  • WesBanco (WSBC)
  • First Commonwealth Financial (FCF)

Competitive Landscape

CNB Financial Corporation faces intense competition from larger regional and national banks. Its advantages include strong local presence and customer relationships. Its disadvantages include limited scale and resources compared to larger competitors.

Growth Trajectory and Initiatives

Historical Growth: Historical growth requires actual financial data.

Future Projections: Future projections require analyst estimates.

Recent Initiatives: Recent initiatives require accessing reliable company data.

Summary

CNB Financial Corporation is a community-focused bank with strengths in customer relationships and local market expertise. It faces challenges from larger competitors and the evolving banking landscape. Solid financial performance and diversified revenue streams are working well. It needs to look out for rising interest rates and cybersecurity risks.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings (e.g., 10-K, 10-Q)
  • Analyst Reports (where available)
  • FDIC Data

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share data is often estimated and may not be precise. Financial performance data is based on available information and may not be comprehensive. This analysis is subject to change without notice.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 769

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.