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CNB FinancialFRA:44I 56 5-Year Yield-on-Cost % is 2.24 as of Aug. 04, 2026, which is 23% below its 10-year median of 2.92. GuruFocus rates FRA:44I with a GF Score™ of 56/100 and a GF Value™ of €19.69. The stock has 7 warning signs investors should review. Among 1,252 Banks companies, CNB Financial ranks worse than 78.51% on this metric.
CNB Financial's yield on cost for the quarter that ended in Mar. 2026 was 2.24.
The historical rank and industry rank for CNB Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:44I'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.15 Med: 2.92 Max: 5.05
Current: 2.24
During the past 13 years, CNB Financial's highest Yield on Cost was 5.05. The lowest was 2.15. And the median was 2.92.
FRA:44I's 5-Year Yield-on-Cost % is ranked worse than 78.51% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs FRA:44I: 2.24
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
CNB Financial 5-Year Yield-on-Cost % Related Terms
FRA:44I vs HBNC, BFST, EQBK: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, CNB Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where CNB Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of CNB Financial is calculated as
CNB Financial (FRA:44I) has a 5-Year Yield-on-Cost % of 2.24 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CNB Financial and its competitors. This is 23% below median its historical median of 2.92. Over the past decade, CNB Financial's 5-Year Yield-on-Cost % has ranged from 2.15 to 5.05. According to the industry distribution chart, CNB Financial ranks #983 out of 1252 companies in the Banks industry, placing it in the top 78.5%.
Is CNB Financial's 5-Year Yield-on-Cost % too high?
CNB Financial's current 5-Year Yield-on-Cost % of 2.24 is 23% below median its 10-year median of 2.92. Over the past 10 years, this metric has ranged from a low of 2.15 to a high of 5.05. The Banks industry median 5-Year Yield-on-Cost % is 3.83. CNB Financial's value of 2.24 is 41.4% below this industry median. Based on the distribution chart, CNB Financial ranks #983 out of 1252 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CNB Financial has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial's 5-Year Yield-on-Cost % compare to HBNC and BFST?
According to the Banks industry distribution chart, CNB Financial ranks #983 out of 1252 companies for 5-Year Yield-on-Cost %. This places CNB Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. CNB Financial's value of 2.24 is 41.4% below this benchmark. Historically, CNB Financial's own 5-Year Yield-on-Cost % has ranged from 2.15 to 5.05 over the past decade. While the company's 10-year median is 2.92 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial's current 5-Year Yield-on-Cost % of 2.24 is 41.4% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CNB Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial's current 5-Year Yield-on-Cost % is 2.24, which is 23% below median its own 10-year median of 2.92. 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 5-Year Yield-on-Cost % of 2.24. The stock's GF Value™ is €19.69, compared to a current price of €30.00 — trading 52.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 2.24, which is 23% below median its 10-year median of 2.92 and 41.4% below the Banks industry median of 3.83. CNB Financial's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For CNB Financial (FRA:44I), the current 5-Year Yield-on-Cost % is 2.24 as of Aug. 04, 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 €30.00 is trading 52.4% above its estimated GF Value™ of €19.69.
Key valuation signals for FRA:44I:
5-Year Yield-on-Cost %: 2.24 (23% below median its 10-year median of 2.92)
GF Value™: €19.69 vs. price of €30.00 (52.4% above fair value)
Industry Position: 41.4% below the Banks median (#983 of 1252)
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.
56GF Score
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