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CNB FinancialCCNE +0.87%57 EV-to-OCF is 10.01 as of Aug. 13, 2026, which is 27% above its 10-year median of 7.88. GuruFocus rates CCNE with a GF Score™ of 57/100 and a GF Value™ of $24.88 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,497 Banks companies, CNB Financial ranks worse than 70.81% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, CNB Financial's Enterprise Value is $893.2 Mil.
CNB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $89.2 Mil. Therefore, CNB Financial's EV-to-OCF for today is 10.01.
The historical rank and industry rank for CNB Financial's EV-to-OCF or its related term are showing as below:
CCNE'
s EV-to-OCF Range Over the Past 10 Years
Min: -50.81 Med: 7.88 Max: 30.03
Current: 10.01
During the past 13 years, the highest EV-to-OCF of CNB Financial was 30.03. The lowest was -50.81. And the median was 7.88.
CCNE's EV-to-OCF is ranked worse than 70.81% of 1497
companies
in the Banks industry
Industry Median: 3.98
vs CCNE: 10.01
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CNB Financial's PE Ratio (TTM) for today is calculated as:
CNB Financial's share price for today is $34.825.
CNB Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.110.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
CNB Financial EV-to-OCF Related Terms
CNB Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for CNB Financial's EV-to-OCF 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.
For the Banks - Regional subindustry, CNB Financial's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where CNB Financial's EV-to-OCF falls into.
CNB Financial's current Enterprise Value is $893.2 Mil.
CNB Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $89.2 Mil.
* 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 (CCNE) has a EV-to-OCF of 10.01 as of Aug. 13, 2026. This is 27% above median its historical median of 7.88. According to the industry distribution chart, CNB Financial ranks #1060 out of 1497 companies in the Banks industry, placing it in the top 70.8%.
Is CNB Financial's EV-to-OCF too high?
CNB Financial's current EV-to-OCF of 10.01 is 27% above median its 10-year median of 7.88. The Banks industry median EV-to-OCF is 3.98. CNB Financial's value of 10.01 is 151.5% above this industry median. Based on the distribution chart, CNB Financial ranks #1060 out of 1497 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-OCF compare to HBNC and BFST?
According to the Banks industry distribution chart, CNB Financial ranks #1060 out of 1497 companies for EV-to-OCF. This places CNB Financial in the lower half of its industry. The industry median EV-to-OCF is 3.98. CNB Financial's value of 10.01 is 151.5% above this benchmark. While the company's 10-year median is 7.88 vs. the industry median of 3.98, CNB Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial's current EV-to-OCF of 10.01 is 151.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial's current EV-to-OCF is 10.01, which is 27% above median its own 10-year median of 7.88. 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 $24.88, compared to a current price of $34.83 — trading 40% above its estimated fair value. The current EV-to-OCF is 10.01, which is 27% above median its 10-year median of 7.88 and 151.5% above the Banks industry median of 3.98. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For CNB Financial (CCNE), the current EV-to-OCF is 10.01 as of Aug. 13, 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 $34.83 is trading 40% above its estimated GF Value™ of $24.88.
GuruFocus considers CNB Financial to be Significantly Overvalued.
Key valuation signals for CCNE:
EV-to-OCF: 10.01 (27% above median its 10-year median of 7.88)
GF Value™: $24.88 vs. price of $34.83 (40% above fair value)
Industry Position: 151.5% above the Banks median (#1060 of 1497)
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 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
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