Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. CNB Financial's annualized net income for the quarter that ended in Mar. 2026 was €93.5 Mil. CNB Financial's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €756.9 Mil. Therefore, CNB Financial's annualized ROE % for the quarter that ended in Mar. 2026 was 12.36%.
The historical rank and industry rank for CNB Financial's ROE % or its related term are showing as below:
FRA:44I'
s ROE % Range Over the Past 10 Years
Min: 8.92 Med: 10.5 Max: 14.12
Current: 11.56
During the past 13 years, CNB Financial's highest ROE % was 14.12%. The lowest was 8.92%. And the median was 10.50%.
FRA:44I's ROE % is ranked better than 52.17% of 1520
companies
in the Banks industry
Industry Median: 10.28
vs FRA:44I: 11.56
CNB Financial (FRA:44I) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
CNB Financial ROE % Related Terms
CNB Financial ROE % Historical Data
* Premium members only.
The historical data trend for CNB Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial's ROE % distribution charts can be found below:
* The bar in red indicates where CNB Financial's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
CNB Financial (FRA:44I) has a ROE % of 12.36% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CNB Financial and its competitors. This is 18% above median its historical median of 10.50. Over the past decade, CNB Financial's ROE % has ranged from 8.92 to 14.12. According to the industry distribution chart, CNB Financial ranks #727 out of 1520 companies in the Banks industry, placing it in the top 47.8%.
Is CNB Financial's ROE % too high?
CNB Financial's current ROE % of 12.36% is 18% above median its 10-year median of 10.50. Over the past 10 years, this metric has ranged from a low of 8.92 to a high of 14.12. The Banks industry median ROE % is 10.28. CNB Financial's value of 12.36% is 20.2% above this industry median. Based on the distribution chart, CNB Financial ranks #727 out of 1520 companies in the Banks industry, which is above 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 ROE % compare to BFST and AMTB?
According to the Banks industry distribution chart, CNB Financial ranks #727 out of 1520 companies for ROE %. This puts CNB Financial in the upper half of its industry. The industry median ROE % is 10.28. CNB Financial's value of 12.36% is 20.2% above this benchmark. Historically, CNB Financial's own ROE % has ranged from 8.92 to 14.12 over the past decade. While the company's 10-year median is 10.50 vs. the industry median of 10.28, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.28, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial's current ROE % of 12.36% is 20.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CNB Financial and its competitors. For the Banks industry, the median ROE % is 10.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial's current ROE % is 12.36%, which is 18% above median its own 10-year median of 10.50. 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 ROE % of 12.36%. 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 ROE % is 12.36%, which is 18% above median its 10-year median of 10.50 and 20.2% above the Banks industry median of 10.28. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For CNB Financial (FRA:44I), the current ROE % is 12.36% 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:
ROE %: 12.36% (18% above median its 10-year median of 10.50)
GF Value™: €20.22 vs. price of €29.40 (45.4% above fair value)
Industry Position: 20.2% above the Banks median (#727 of 1520)
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
Get the complete analysis for FRA:44I
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:44I has been successfully added to your 
