CCNE (CNB Financial) Debt-to-Asset : 0.03 (As of Jun. 2026)

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CCNE CNB Financial Corp CCNE
57 GF Score
Price $34.91
GF Value $24.56
Valuation Significantly Overvalued
! 6 Warning Signs
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What is CNB Financial Debt-to-Asset?

CNB Financial CCNE +1.66% 57 Debt-to-Asset is 0.03 as of Jun. 2026. GuruFocus rates CCNE with a GF Score™ of 57/100 and a GF Value™ of $24.56 (Significantly Overvalued). The stock has 6 warning signs investors should review.

CNB Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $164.0 Mil. CNB Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $98.3 Mil. CNB Financial's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $8,432.2 Mil. CNB Financial's debt to asset for the quarter that ended in Jun. 2026 was 0.03.

CNB Financial  (NAS:CCNE) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

CNB Financial Debt-to-Asset Related Terms

CNB Financial Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for CNB Financial's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

CNB Financial Debt-to-Asset Chart

CNB Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.03 0.03 0.02 0.04

CNB Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.04 0.04 0.04 0.03

CCNE vs HBNC, MCBS, BFST: Debt-to-Asset Comparison

For the Banks - Regional subindustry, CNB Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

CNB Financial Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, CNB Financial's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where CNB Financial's Debt-to-Asset falls into.


CCNE
57GF Score
CNB Financial Corp CCNE
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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CNB Financial Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

CNB Financial's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(164 + 149.241) / 8396.435
=0.04

CNB Financial's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(164 + 98.307) / 8432.169
=0.03

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.03 mean?
CNB Financial (CCNE) has a Debt-to-Asset of 0.03 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on CNB Financial and its competitors.
Is CNB Financial's Debt-to-Asset too high?
CNB Financial's current Debt-to-Asset is 0.03. Overall, CNB Financial has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNB Financial's Debt-to-Asset compare to HBNC and MCBS?
CNB Financial's Debt-to-Asset of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on CNB Financial and its competitors. CNB Financial's current Debt-to-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial stock overvalued right now?
Based on GuruFocus' analysis, CNB Financial (CCNE) is currently considered Significantly Overvalued. The stock's GF Value™ is $24.56, compared to a current price of $34.91 — trading 42.1% above its estimated fair value. The current Debt-to-Asset is 0.03. CNB Financial's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For CNB Financial (CCNE), the current Debt-to-Asset is 0.03 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is CNB Financial (CCNE) Overvalued in 2026?

Based on GuruFocus' analysis, CNB Financial stock appears to be overvalued. The current stock price of $34.91 is trading 42.1% above its estimated GF Value™ of $24.56. GuruFocus considers CNB Financial to be Significantly Overvalued.

Key valuation signals for CCNE:

  • Debt-to-Asset: 0.03
  • GF Value™: $24.56 vs. price of $34.91 (42.1% above fair value)
  • GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the CCNE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CNB Financial Business Description

Other Exchanges CCNEP.PFD:USA
Address 1 South Second Street, P.O. Box 42, Clearfield, PA, USA, 16830
CNB Financial Corp is a Pennsylvania-chartered bank. The bank is a full-service bank engaging in a full range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; real estate, commercial, industrial, residential and consumer loans; and a variety of other specialized financial services. Its Private Client Solutions division offers a full range of client services, including private banking and wealth and asset management. The banking segment derives its revenue through the operations as a full-service bank services, including trust and wealth management services, for individual, business, governmental, and institutional customers.
57GF Score

Get the complete analysis for CCNE

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.91
Price
$24.56
GF Value