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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 0.10
CCNE's Cash-to-Debt is ranked lower than
94% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CCNE: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
CCNE' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.41 Max: 4.33
Current: 0.1
0.1
4.33
Equity-to-Asset -0.09
CCNE's Equity-to-Asset is ranked lower than
71% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CCNE: -0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
CCNE' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.09  Med: 0.09 Max: 0.13
Current: -0.09
-0.09
0.13
Interest Coverage 2.17
CCNE's Interest Coverage is ranked higher than
56% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CCNE: 2.17 )
Ranked among companies with meaningful Interest Coverage only.
CCNE' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.38 Max: 2.64
Current: 2.17
0.32
2.64
Beneish M-Score: -2.31
WACC vs ROIC
4.68%
6.24%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 29.12
CCNE's Operating Margin % is ranked lower than
58% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CCNE: 29.12 )
Ranked among companies with meaningful Operating Margin % only.
CCNE' s Operating Margin % Range Over the Past 10 Years
Min: 16.63  Med: 31.26 Max: 35.75
Current: 29.12
16.63
35.75
Net Margin % 21.40
CCNE's Net Margin % is ranked lower than
56% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CCNE: 21.40 )
Ranked among companies with meaningful Net Margin % only.
CCNE' s Net Margin % Range Over the Past 10 Years
Min: 13.39  Med: 22.82 Max: 26.01
Current: 21.4
13.39
26.01
ROE % 17.89
CCNE's ROE % is ranked higher than
60% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CCNE: 17.89 )
Ranked among companies with meaningful ROE % only.
CCNE' s ROE % Range Over the Past 10 Years
Min: 7.95  Med: 12.44 Max: 17.89
Current: 17.89
7.95
17.89
ROA % 0.89
CCNE's ROA % is ranked lower than
54% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CCNE: 0.89 )
Ranked among companies with meaningful ROA % only.
CCNE' s ROA % Range Over the Past 10 Years
Min: 0.56  Med: 0.94 Max: 1.11
Current: 0.89
0.56
1.11
3-Year Revenue Growth Rate 6.70
CCNE's 3-Year Revenue Growth Rate is ranked higher than
63% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CCNE: 6.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CCNE' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.5  Med: 7.3 Max: 104.3
Current: 6.7
0.5
104.3
3-Year EBITDA Growth Rate 4.00
CCNE's 3-Year EBITDA Growth Rate is ranked lower than
57% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CCNE: 4.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CCNE' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -13.8  Med: 6 Max: 23.6
Current: 4
-13.8
23.6
3-Year EPS without NRI Growth Rate 3.30
CCNE's 3-Year EPS without NRI Growth Rate is ranked lower than
62% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CCNE: 3.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CCNE' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -15.2  Med: 6.5 Max: 26.3
Current: 3.3
-15.2
26.3
GuruFocus has detected 3 Warning Signs with CNB Financial Corp $CCNE.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CCNE's 10-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CCNE Guru Trades in Q1 2016

Chuck Royce 427,185 sh (+62.56%)
Jim Simons 121,400 sh (+12.37%)
» More
Q2 2016

CCNE Guru Trades in Q2 2016

Chuck Royce 704,573 sh (+64.93%)
Jim Simons 172,275 sh (+41.91%)
» More
Q3 2016

CCNE Guru Trades in Q3 2016

Chuck Royce 747,804 sh (+6.14%)
Jim Simons 181,327 sh (+5.25%)
» More
Q4 2016

CCNE Guru Trades in Q4 2016

Jim Simons 236,900 sh (+30.65%)
Chuck Royce 707,004 sh (-5.46%)
» More
» Details

Insider Trades

Latest Guru Trades with CCNE

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BSRR, NAS:HMPR, NAS:WTBA, NAS:FMNB, NAS:CCBG, NAS:WFBI, NAS:FBNK, NAS:BMRC, NAS:EQBK, NAS:NCBS, NAS:MOFG, NAS:MBVT, NAS:MCBC, NAS:FMBH, NAS:HTBI, NAS:OSBC, NAS:FCBC, NAS:VBTX, OTCPK:SBFC, NAS:ANCX » details
Headquarter Location:USA
CNB Financial Corp is a financial holding company. The Company engaged in providing banking activities and services including checking, savings, and time deposit accounts; real estate, commercial, industrial, residential and consumer loans.

CNB Financial Corp was incorporated under the laws of the Commonwealth of Pennsylvania in 1983. The Company, along with its subsidiary, CNB Bank, provides banking and related services. In addition, the Bank provides trust and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans as well as wealth management services. The Bank serves to individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services. In addition to the Bank, the Company also operates a consumer discount loan and finance business through its wholly owned subsidiary, Holiday Financial Services Corporation. The Company's market area is concentrated in the central and northwest regions of the Commonwealth of Pennsylvania and in the central region of the state of Ohio. The Company faces competition from commercial banks and from other financial service providers such as consumer finance companies, thrifts, investment firms, mutual funds and credit unions. It also faces competition for loans and other financial services from Mortgage banking firms, leasing companies, financial affiliates of industrial companies, brokerage firms, retirement fund management firms, and even government agencies. The Company is subject to the oversight of the Federal Reserve Board and the Pennsylvania Department of Banking, and the Bank is subject to the regulation, supervision and examination by the federal and state banking laws and regulations as well as the Federal Deposit Insurance Corporation, or FDIC.

Ratios

vs
industry
vs
history
PE Ratio 16.98
CCNE's PE Ratio is ranked lower than
60% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CCNE: 16.98 )
Ranked among companies with meaningful PE Ratio only.
CCNE' s PE Ratio Range Over the Past 10 Years
Min: 10.13  Med: 13.09 Max: 26.42
Current: 16.98
10.13
26.42
Forward PE Ratio 16.47
CCNE's Forward PE Ratio is ranked lower than
68% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. CCNE: 16.47 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.98
CCNE's PE Ratio without NRI is ranked lower than
60% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CCNE: 16.98 )
Ranked among companies with meaningful PE Ratio without NRI only.
CCNE' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.13  Med: 13.09 Max: 26.42
Current: 16.98
10.13
26.42
Price-to-Owner-Earnings 19.85
CCNE's Price-to-Owner-Earnings is ranked lower than
68% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CCNE: 19.85 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CCNE' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.39  Med: 13.19 Max: 40.03
Current: 19.85
7.39
40.03
PS Ratio 3.76
CCNE's PS Ratio is ranked lower than
52% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CCNE: 3.76 )
Ranked among companies with meaningful PS Ratio only.
CCNE' s PS Ratio Range Over the Past 10 Years
Min: 1.98  Med: 2.96 Max: 4.09
Current: 3.76
1.98
4.09
Price-to-Free-Cash-Flow 21.96
CCNE's Price-to-Free-Cash-Flow is ranked lower than
80% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CCNE: 21.96 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CCNE' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.82  Med: 10.35 Max: 24.03
Current: 21.96
5.82
24.03
Price-to-Operating-Cash-Flow 13.66
CCNE's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CCNE: 13.66 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CCNE' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.23  Med: 8.45 Max: 15.29
Current: 13.66
5.23
15.29
EV-to-EBIT 21.89
CCNE's EV-to-EBIT is ranked lower than
78% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CCNE: 21.89 )
Ranked among companies with meaningful EV-to-EBIT only.
CCNE' s EV-to-EBIT Range Over the Past 10 Years
Min: 8.6  Med: 14.4 Max: 33.4
Current: 21.89
8.6
33.4
EV-to-EBITDA 19.41
CCNE's EV-to-EBITDA is ranked lower than
77% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CCNE: 19.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
CCNE' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.7  Med: 12.7 Max: 25.3
Current: 19.41
7.7
25.3
PEG Ratio 3.63
CCNE's PEG Ratio is ranked lower than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CCNE: 3.63 )
Ranked among companies with meaningful PEG Ratio only.
CCNE' s PEG Ratio Range Over the Past 10 Years
Min: 0.85  Med: 1.71 Max: 15.74
Current: 3.63
0.85
15.74
Shiller PE Ratio 19.49
CCNE's Shiller PE Ratio is ranked higher than
60% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CCNE: 19.49 )
Ranked among companies with meaningful Shiller PE Ratio only.
CCNE' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10  Med: 14.54 Max: 21.26
Current: 19.49
10
21.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.59
CCNE's Dividend Yield % is ranked higher than
51% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CCNE: 2.59 )
Ranked among companies with meaningful Dividend Yield % only.
CCNE' s Dividend Yield % Range Over the Past 10 Years
Min: 2.37  Med: 4.05 Max: 7.17
Current: 2.59
2.37
7.17
Dividend Payout Ratio 0.46
CCNE's Dividend Payout Ratio is ranked lower than
71% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CCNE: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CCNE' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.52 Max: 1.06
Current: 0.46
0.41
1.06
Forward Dividend Yield % 2.67
CCNE's Forward Dividend Yield % is ranked lower than
53% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CCNE: 2.67 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.59
CCNE's 5-Year Yield-on-Cost % is ranked lower than
59% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CCNE: 2.59 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CCNE' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.37  Med: 4.05 Max: 7.17
Current: 2.59
2.37
7.17
3-Year Average Share Buyback Ratio -0.10
CCNE's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CCNE: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CCNE' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -13  Med: -0.1 Max: 2.1
Current: -0.1
-13
2.1

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 0.82
CCNE's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
52% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CCNE: 0.82 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CCNE' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.6  Med: 0.86 Max: 1.82
Current: 0.82
0.6
1.82
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.47
CCNE's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
81% of the 139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. CCNE: 1.47 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.26
CCNE's Price-to-Median-PS-Value is ranked lower than
54% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CCNE: 1.26 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CCNE' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.74  Med: 1.11 Max: 4
Current: 1.26
0.74
4
Earnings Yield (Greenblatt) % 4.57
CCNE's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CCNE: 4.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CCNE' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3  Med: 7 Max: 11.6
Current: 4.57
3
11.6
Forward Rate of Return (Yacktman) % 12.21
CCNE's Forward Rate of Return (Yacktman) % is ranked higher than
54% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CCNE: 12.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CCNE' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 2.3  Med: 12.1 Max: 26.1
Current: 12.21
2.3
26.1

More Statistics

Revenue (TTM) (Mil) $102.8
EPS (TTM) $ 1.50
Beta0.56
Short Percentage of Float1.21%
52-Week Range $17.07 - 28.43
Shares Outstanding (Mil)15.30

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.50 1.85
EPS without NRI ($) 1.50 1.85
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for CCNE

Headlines

Articles On GuruFocus.com
CNB Financial Corp. (CCNE) CEO Joseph B Jr Bower buys 3,902 Shares Jun 21 2010 
June 14 2010 52-Week Low Wrap-Up: NB Financial and Duff & Phelps Jun 14 2010 

More From Other Websites
CNB Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bullish Manner : CCNE-US... Apr 21 2017
CNB Financial Corporation Holds Annual Meeting Apr 18 2017
CNB posts 1Q profit Apr 17 2017
CNB Financial Corporation Reports First Quarter Earnings for 2017, Highlighted By Strong Organic... Apr 17 2017
CNB Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bullish Manner : CCNE-US... Mar 31 2017
Zacks Industry Outlook Highlights: Opus Bank, Civista Bancshares and CNB Financial Mar 27 2017
New Strong Sell Stocks for February 23rd Feb 23 2017
CNB Financial Corp. (Pennsylvania) :CCNE-US: Earnings Analysis: Q4, 2016 By the Numbers : February... Feb 15 2017
CNB Financial Announces First Quarter Dividend Feb 14 2017
CNB Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bullish Manner : CCNE-US... Feb 14 2017
CNB Financial Corporation Reports Year End 2016 Earnings, Highlighted By Strong Organic Loan Growth Jan 27 2017
CNB Financial Corp. (Pennsylvania) : CCNE-US: Dividend Analysis : December 01st, 2016 (record date)... Jan 26 2017
CNB Bank Announces Sale of Its Mt. Hope, Ohio Branch to First Federal Community Bank Jan 20 2017
CNB Financial Corp. (Pennsylvania) breached its 50 day moving average in a Bullish Manner : CCNE-US... Jan 19 2017
Regulatory approval in hand, Bank on Buffalo moves forward with hiring, branch plans Dec 12 2016
CNB Financial Announces Fourth Quarter Dividend Nov 08 2016
CNB Financial Corporation Reports Third Quarter 2016 Earnings Oct 20 2016
CNB Financial Corporation Board Elects Smith as Chairman Aug 11 2016

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