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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.28
CCNE's Cash to Debt is ranked higher than
59% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CCNE: 0.28 )
CCNE' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 0.28

Equity to Asset 0.08
CCNE's Equity to Asset is ranked higher than
59% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CCNE: 0.08 )
CCNE' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.08

0.06
0.11
Interest Coverage 1.88
CCNE's Interest Coverage is ranked higher than
75% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CCNE: 1.88 )
CCNE' s 10-Year Interest Coverage Range
Min: 0.32   Max: 1.88
Current: 1.88

0.32
1.88
F-Score: 6
Z-Score: 0.25
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 : 8/10

vs
industry
vs
history
Operating margin (%) 34.19
CCNE's Operating margin (%) is ranked higher than
82% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. CCNE: 34.19 )
CCNE' s 10-Year Operating margin (%) Range
Min: -293.8   Max: 37.87
Current: 34.19

-293.8
37.87
Net-margin (%) 24.39
CCNE's Net-margin (%) is ranked higher than
81% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. CCNE: 24.39 )
CCNE' s 10-Year Net-margin (%) Range
Min: 13.39   Max: 173.01
Current: 24.39

13.39
173.01
ROE (%) 12.74
CCNE's ROE (%) is ranked higher than
89% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CCNE: 12.74 )
CCNE' s 10-Year ROE (%) Range
Min: 7.95   Max: 14.82
Current: 12.74

7.95
14.82
ROA (%) 1.01
CCNE's ROA (%) is ranked higher than
82% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CCNE: 1.01 )
CCNE' s 10-Year ROA (%) Range
Min: 0.56   Max: 1.37
Current: 1.01

0.56
1.37
ROC (Joel Greenblatt) (%) 94.14
CCNE's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. CCNE: 94.14 )
CCNE' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -152.17   Max: 97.96
Current: 94.14

-152.17
97.96
Revenue Growth (%) 5.10
CCNE's Revenue Growth (%) is ranked higher than
85% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CCNE: 5.10 )
CCNE' s 10-Year Revenue Growth (%) Range
Min: 0.5   Max: 87.3
Current: 5.1

0.5
87.3
EBITDA Growth (%) 7.80
CCNE's EBITDA Growth (%) is ranked higher than
75% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CCNE: 7.80 )
CCNE' s 10-Year EBITDA Growth (%) Range
Min: -13.8   Max: 23.6
Current: 7.8

-13.8
23.6
EPS Growth (%) 6.40
CCNE's EPS Growth (%) is ranked higher than
72% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CCNE: 6.40 )
CCNE' s 10-Year EPS Growth (%) Range
Min: -19.5   Max: 26.3
Current: 6.4

-19.5
26.3
» CCNE's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

CCNE Guru Trades in

Q4 2013

CCNE Guru Trades in Q4 2013

Jim Simons 16,900 sh (New)
» More
Q1 2014

CCNE Guru Trades in Q1 2014

Jim Simons 12,912 sh (-23.6%)
» More
Q2 2014

CCNE Guru Trades in Q2 2014

Jim Simons Sold Out
» 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.70
CCNE's P/E(ttm) is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CCNE: 12.70 )
CCNE' s 10-Year P/E(ttm) Range
Min: 10.52   Max: 26.42
Current: 12.7

10.52
26.42
P/B 1.48
CCNE's P/B is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CCNE: 1.48 )
CCNE' s 10-Year P/B Range
Min: 1.19   Max: 2.39
Current: 1.48

1.19
2.39
P/S 3.11
CCNE's P/S is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CCNE: 3.11 )
CCNE' s 10-Year P/S Range
Min: 1.98   Max: 6.18
Current: 3.11

1.98
6.18
PFCF 8.60
CCNE's PFCF is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCNE: 8.60 )
CCNE' s 10-Year PFCF Range
Min: 5.83   Max: 21.82
Current: 8.6

5.83
21.82
EV-to-EBIT 11.66
CCNE's EV-to-EBIT is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. CCNE: 11.66 )
CCNE' s 10-Year EV-to-EBIT Range
Min: 10.3   Max: 37.3
Current: 11.66

10.3
37.3
PEG 1.41
CCNE's PEG is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCNE: 1.41 )
CCNE' s 10-Year PEG Range
Min: 0.81   Max: 50.21
Current: 1.41

0.81
50.21
Shiller P/E 15.02
CCNE's Shiller P/E is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCNE: 15.02 )
CCNE' s 10-Year Shiller P/E Range
Min: 9.38   Max: 24.06
Current: 15.02

9.38
24.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.52
CCNE's Dividend Yield is ranked higher than
76% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. CCNE: 3.52 )
CCNE' s 10-Year Dividend Yield Range
Min: 2.71   Max: 7.17
Current: 3.52

2.71
7.17
Dividend Payout 0.45
CCNE's Dividend Payout is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. CCNE: 0.45 )
CCNE' s 10-Year Dividend Payout Range
Min: 0.41   Max: 4
Current: 0.45

0.41
4
Yield on cost (5-Year) 3.60
CCNE's Yield on cost (5-Year) is ranked higher than
67% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. CCNE: 3.60 )
CCNE' s 10-Year Yield on cost (5-Year) Range
Min: 2.71   Max: 7.17
Current: 3.6

2.71
7.17
Share Buyback Rate -6.70
CCNE's Share Buyback Rate is ranked higher than
62% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CCNE: -6.70 )
CCNE' s 10-Year Share Buyback Rate Range
Min: 2.1   Max: -28.9
Current: -6.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
CCNE's Price/Tangible Book is ranked higher than
69% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CCNE: 1.80 )
CCNE' s 10-Year Price/Tangible Book Range
Min: 1.33   Max: 3.17
Current: 1.8

1.33
3.17
Price/DCF (Projected) 0.69
CCNE's Price/DCF (Projected) is ranked higher than
85% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. CCNE: 0.69 )
CCNE' s 10-Year Price/DCF (Projected) Range
Min: 0.53   Max: 4.17
Current: 0.69

0.53
4.17
Price/Median PS Value 0.98
CCNE's Price/Median PS Value is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CCNE: 0.98 )
CCNE' s 10-Year Price/Median PS Value Range
Min: 0.66   Max: 7.36
Current: 0.98

0.66
7.36
Price/Peter Lynch Fair Value 1.29
CCNE's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CCNE: 1.29 )
CCNE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.75   Max: 2.53
Current: 1.29

0.75
2.53
Price/Graham Number 1.02
CCNE's Price/Graham Number is ranked higher than
78% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CCNE: 1.02 )
CCNE' s 10-Year Price/Graham Number Range
Min: 0.81   Max: 2.36
Current: 1.02

0.81
2.36
Earnings Yield (Greenblatt) 8.60
CCNE's Earnings Yield (Greenblatt) is ranked higher than
82% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CCNE: 8.60 )
CCNE' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 9.7
Current: 8.6

2.7
9.7
Forward Rate of Return (Yacktman) 19.24
CCNE's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CCNE: 19.24 )
CCNE' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.6   Max: 26.3
Current: 19.24

1.6
26.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
CNB Financial Corporation 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.
» 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 
CNB Financial Corporation Reports Earnings for 2008 Feb 11 2009 

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