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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 0.18
CCNE's Cash to Debt is ranked lower than
85% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. CCNE: 0.18 )
Ranked among companies with meaningful Cash to Debt only.
CCNE' s 10-Year Cash to Debt Range
Min: 0.18  Med: 0.42 Max: N/A
Current: 0.18
Equity to Asset 0.09
CCNE's Equity to Asset is ranked lower than
60% of the 1355 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.11
Current: 0.09
0.06
0.11
Interest Coverage 2.64
CCNE's Interest Coverage is ranked higher than
64% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. CCNE: 2.64 )
Ranked among companies with meaningful Interest Coverage only.
CCNE' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.75 Max: 2.64
Current: 2.64
0.32
2.64
F-Score: 5
WACC vs ROIC
10.91%
8.54%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 36.52
CCNE's Operating margin (%) is ranked higher than
66% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. CCNE: 36.52 )
Ranked among companies with meaningful Operating margin (%) only.
CCNE' s 10-Year Operating margin (%) Range
Min: -293.8  Med: 31.93 Max: 37.87
Current: 36.52
-293.8
37.87
Net-margin (%) 26.22
CCNE's Net-margin (%) is ranked higher than
64% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. CCNE: 26.22 )
Ranked among companies with meaningful Net-margin (%) only.
CCNE' s 10-Year Net-margin (%) Range
Min: 12.16  Med: 25.81 Max: 173.01
Current: 26.22
12.16
173.01
ROE (%) 12.52
CCNE's ROE (%) is ranked higher than
74% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. CCNE: 12.52 )
Ranked among companies with meaningful ROE (%) only.
CCNE' s 10-Year ROE (%) Range
Min: 7.95  Med: 12.36 Max: 14.82
Current: 12.52
7.95
14.82
ROA (%) 1.07
CCNE's ROA (%) is ranked higher than
65% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. CCNE: 1.07 )
Ranked among companies with meaningful ROA (%) only.
CCNE' s 10-Year ROA (%) Range
Min: 0.56  Med: 1.10 Max: 1.37
Current: 1.07
0.56
1.37
Revenue Growth (3Y)(%) 8.90
CCNE's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CCNE: 8.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CCNE' s 10-Year Revenue Growth (3Y)(%) Range
Min: -1.6  Med: 8.70 Max: 87.3
Current: 8.9
-1.6
87.3
EBITDA Growth (3Y)(%) 11.10
CCNE's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CCNE: 11.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CCNE' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -13.8  Med: 7.35 Max: 23.6
Current: 11.1
-13.8
23.6
EPS Growth (3Y)(%) 9.40
CCNE's EPS Growth (3Y)(%) is ranked higher than
50% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. CCNE: 9.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CCNE' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.5  Med: 6.40 Max: 26.3
Current: 9.4
-19.5
26.3
» CCNE's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

CCNE Guru Trades in Q1 2014

Jim Simons 12,912 sh (-23.60%)
» More
Q2 2014

CCNE Guru Trades in Q2 2014

Jim Simons Sold Out
» More
Q1 2015

CCNE Guru Trades in Q1 2015

Jim Simons 24,799 sh (New)
» More
Q2 2015

CCNE Guru Trades in Q2 2015

Jim Simons 42,303 sh (+70.58%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.33
CCNE's P/E(ttm) is ranked higher than
69% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. CCNE: 10.33 )
Ranked among companies with meaningful P/E(ttm) only.
CCNE' s 10-Year P/E(ttm) Range
Min: 10.1  Med: 13.29 Max: 26.42
Current: 10.33
10.1
26.42
Forward P/E 10.63
CCNE's Forward P/E is ranked higher than
62% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. CCNE: 10.63 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.30
CCNE's PE(NRI) is ranked higher than
68% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. CCNE: 10.30 )
Ranked among companies with meaningful PE(NRI) only.
CCNE' s 10-Year PE(NRI) Range
Min: 10.07  Med: 13.29 Max: 26.42
Current: 10.3
10.07
26.42
P/B 1.27
CCNE's P/B is ranked lower than
67% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. CCNE: 1.27 )
Ranked among companies with meaningful P/B only.
CCNE' s 10-Year P/B Range
Min: 1.19  Med: 1.65 Max: 2.39
Current: 1.27
1.19
2.39
P/S 2.74
CCNE's P/S is ranked higher than
53% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. CCNE: 2.74 )
Ranked among companies with meaningful P/S only.
CCNE' s 10-Year P/S Range
Min: 1.98  Med: 3.09 Max: 5.85
Current: 2.74
1.98
5.85
PFCF 10.15
CCNE's PFCF is ranked higher than
52% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CCNE: 10.15 )
Ranked among companies with meaningful PFCF only.
CCNE' s 10-Year PFCF Range
Min: 5.83  Med: 11.15 Max: 21.82
Current: 10.15
5.83
21.82
POCF 7.57
CCNE's POCF is ranked higher than
60% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. CCNE: 7.57 )
Ranked among companies with meaningful POCF only.
CCNE' s 10-Year POCF Range
Min: 5.22  Med: 8.84 Max: 16.75
Current: 7.57
5.22
16.75
EV-to-EBIT 11.88
CCNE's EV-to-EBIT is ranked higher than
59% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. CCNE: 11.88 )
Ranked among companies with meaningful EV-to-EBIT only.
CCNE' s 10-Year EV-to-EBIT Range
Min: 8.6  Med: 14.70 Max: 33.4
Current: 11.88
8.6
33.4
PEG 0.98
CCNE's PEG is ranked higher than
51% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CCNE: 0.98 )
Ranked among companies with meaningful PEG only.
CCNE' s 10-Year PEG Range
Min: 0.81  Med: 3.29 Max: 50.21
Current: 0.98
0.81
50.21
Shiller P/E 12.54
CCNE's Shiller P/E is ranked higher than
69% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. CCNE: 12.54 )
Ranked among companies with meaningful Shiller P/E only.
CCNE' s 10-Year Shiller P/E Range
Min: 9.38  Med: 14.51 Max: 20.88
Current: 12.54
9.38
20.88
Days Sales Outstanding 79.89
CCNE's Days Sales Outstanding is ranked lower than
73% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. CCNE: 79.89 )
Ranked among companies with meaningful Days Sales Outstanding only.
CCNE' s 10-Year Days Sales Outstanding Range
Min: 51.02  Med: 92.53 Max: 321.64
Current: 79.89
51.02
321.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.87
CCNE's Dividend Yield is ranked higher than
70% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. CCNE: 3.87 )
Ranked among companies with meaningful Dividend Yield only.
CCNE' s 10-Year Dividend Yield Range
Min: 3.22  Med: 4.06 Max: 7.17
Current: 3.87
3.22
7.17
Dividend Payout 0.40
CCNE's Dividend Payout is ranked lower than
61% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CCNE: 0.40 )
Ranked among companies with meaningful Dividend Payout only.
CCNE' s 10-Year Dividend Payout Range
Min: 0.35  Med: 0.55 Max: 4
Current: 0.4
0.35
4
Yield on cost (5-Year) 3.88
CCNE's Yield on cost (5-Year) is ranked higher than
61% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. CCNE: 3.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CCNE' s 10-Year Yield on cost (5-Year) Range
Min: 3.22  Med: 4.06 Max: 7.17
Current: 3.88
3.22
7.17
Share Buyback Rate -5.40
CCNE's Share Buyback Rate is ranked lower than
66% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. CCNE: -5.40 )
Ranked among companies with meaningful Share Buyback Rate only.
CCNE' s 10-Year Share Buyback Rate Range
Min: 2.1  Med: -0.10 Max: -28.9
Current: -5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.51
CCNE's Price/Tangible Book is ranked lower than
71% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. CCNE: 1.51 )
Ranked among companies with meaningful Price/Tangible Book only.
CCNE' s 10-Year Price/Tangible Book Range
Min: 1.33  Med: 2.04 Max: 3.17
Current: 1.51
1.33
3.17
Price/Projected FCF 0.59
CCNE's Price/Projected FCF is ranked higher than
58% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. CCNE: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
CCNE' s 10-Year Price/Projected FCF Range
Min: 0.53  Med: 0.85 Max: 4
Current: 0.59
0.53
4
Price/Median PS Value 0.88
CCNE's Price/Median PS Value is ranked higher than
75% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. CCNE: 0.88 )
Ranked among companies with meaningful Price/Median PS Value only.
CCNE' s 10-Year Price/Median PS Value Range
Min: 0.67  Med: 1.02 Max: 7.53
Current: 0.88
0.67
7.53
Price/Peter Lynch Fair Value 0.99
CCNE's Price/Peter Lynch Fair Value is ranked lower than
55% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. CCNE: 0.99 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CCNE' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.75  Med: 1.26 Max: 3.38
Current: 0.99
0.75
3.38
Price/Graham Number 0.84
CCNE's Price/Graham Number is ranked lower than
52% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CCNE: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
CCNE' s 10-Year Price/Graham Number Range
Min: 0.81  Med: 1.10 Max: 2.24
Current: 0.84
0.81
2.24
Earnings Yield (Greenblatt) (%) 8.47
CCNE's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. CCNE: 8.47 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CCNE' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 3  Med: 6.80 Max: 11.6
Current: 8.47
3
11.6
Forward Rate of Return (Yacktman) (%) 21.42
CCNE's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. CCNE: 21.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CCNE' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.6  Med: 10.70 Max: 26.3
Current: 21.42
1.6
26.3

Analyst Estimate

Dec15 Dec16
EPS($) 1.51 1.60
EPS without NRI($) 1.51 1.60

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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