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CNB FinancialFRA:44I +1.38%58 OCF Margin % is 23.46% as of Mar. 2026, which is 18% below its 10-year median of 28.53. GuruFocus rates FRA:44I with a GF Score™ of 58/100 and a GF Value™ of €20.22. The stock has 6 warning signs investors should review. Among 1,500 Banks companies, CNB Financial ranks worse than 60.93% on this metric.
The historical rank and industry rank for CNB Financial's OCF Margin % or its related term are showing as below:
FRA:44I'
s OCF Margin % Range Over the Past 10 Years
Min: 18.01 Med: 28.53 Max: 37.36
Current: 22.05
During the past 13 years, the highest OCF Margin % of CNB Financial was 37.36%. The lowest was 18.01%. And the median was 28.53%.
FRA:44I's OCF Margin % is ranked worse than 60.93% of 1500
companies
in the Banks industry
Industry Median: 29.345
vs FRA:44I: 22.05
CNB Financial OCF Margin % Related Terms
CNB Financial OCF Margin % Historical Data
* Premium members only.
The historical data trend for CNB Financial's OCF Margin % 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.
FRA:44I vs BFST, AMTB, FBAK: OCF Margin % Comparison
For the Banks - Regional subindustry, CNB Financial's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where CNB Financial's OCF Margin % falls into.
* 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 (FRA:44I) has a OCF Margin % of 23.46% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on CNB Financial and its competitors. This is 18% below median its historical median of 28.53. Over the past decade, CNB Financial's OCF Margin % has ranged from 18.01 to 37.36. According to the industry distribution chart, CNB Financial ranks #914 out of 1500 companies in the Banks industry, placing it in the top 60.9%.
Is CNB Financial's OCF Margin % too high?
CNB Financial's current OCF Margin % of 23.46% is 18% below median its 10-year median of 28.53. Over the past 10 years, this metric has ranged from a low of 18.01 to a high of 37.36. The Banks industry median OCF Margin % is 29.35. CNB Financial's value of 23.46% is 20.1% below this industry median. Based on the distribution chart, CNB Financial ranks #914 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, CNB Financial has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial's OCF Margin % compare to BFST and AMTB?
According to the Banks industry distribution chart, CNB Financial ranks #914 out of 1500 companies for OCF Margin %. This places CNB Financial in the lower half of its industry. The industry median OCF Margin % is 29.35. CNB Financial's value of 23.46% is 20.1% below this benchmark. Historically, CNB Financial's own OCF Margin % has ranged from 18.01 to 37.36 over the past decade. While the company's 10-year median is 28.53 vs. the industry median of 29.35, CNB Financial has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.35, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial's current OCF Margin % of 23.46% is 20.1% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on CNB Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial's current OCF Margin % is 23.46%, which is 18% below median its own 10-year median of 28.53. 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?
CNB Financial (FRA:44I) has a current OCF Margin % of 23.46%. The stock's GF Value™ is €20.22, compared to a current price of €29.40 — trading 45.4% above its estimated fair value. The current OCF Margin % is 23.46%, which is 18% below median its 10-year median of 28.53 and 20.1% below the Banks industry median of 29.35. CNB Financial's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For CNB Financial (FRA:44I), the current OCF Margin % is 23.46% as of Mar. 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 (FRA:44I) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial stock appears to be overvalued.
The current stock price of €29.40 is trading 45.4% above its estimated GF Value™ of €20.22.
Key valuation signals for FRA:44I:
OCF Margin %: 23.46% (18% below median its 10-year median of 28.53)
GF Value™: €20.22 vs. price of €29.40 (45.4% above fair value)
Industry Position: 20.1% below the Banks median (#914 of 1500)
No single metric tells the full story. See the FRA:44I 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.
58GF Score
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