CNB Financial Corporation (CCNE) AI Stock Analysis

CNB Financial Corporation operates as the bank holding company for CNB Bank, serving individual, commercial, governmental, and institutional clients. Founded in 1865, the bank provides checking, savings, and time deposit accounts alongside commercial, industrial, residential real estate, and consumer lending. The corporation also delivers wealth and asset management solutions, including the administration of trusts, estates, retirement plans, and employee benefits. In addition, it engages in securities investments and offers nonproprietary annuities, insurance products, and small balance loans secured by automobiles and equipment across Pennsylvania, Ohio, New York, and Virginia.

Between FY2021 and FY2025, CNB Financial grew annual revenue from $209.2M to $404.9M, achieving a 5-year revenue CAGR of 16.1%. Over that timeframe, net income increased from $57.7M in FY2021 to $66.1M in FY2025, although diluted EPS fell from $3.16 to $2.89. Annual net margin shifted from 27.6% in FY2021 to 16.3% in FY2025, while gross margin moved from 87.7% to 60.7%. For the trailing twelve months, revenue totaled $329.3M with an operating margin of 43.3% and a profit margin of 29.2%. In the latest quarter ended June 30, 2026, quarterly revenue grew 51.0% year-over-year and quarterly earnings expanded 49.2%.

As of June 30, 2026, CNB Financial held $86.6M in cash and short-term investments against total debt of $280.3M, leaving net debt at $193.7M. Total assets stood at $8.43B, while shareholders' equity reached $909.4M, representing a debt-to-equity ratio of 0.31 and a current ratio of 0.72. In FY2025, the company produced $65.0M in operating cash flow and $58.7M in free cash flow. It deployed capital toward $6.3M in capital expenditures, $22.5M in dividends paid, and $333,000 in share buybacks.

CNB Financial trades at a trailing P/E of 10.5x and a forward P/E of 10.1x, both below the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. Its price-to-sales multiple is 3.1x compared to the peer median of 3.2x, and its price-to-book ratio is 1.2x. Over the past year, the stock returned 51.9%, outpacing the S&P 500 benchmark return of 16.8%. Over a 5-year period, its return of 58.4% trails the S&P 500 return of 83.0%.

CNB Financial pays an annualized forward dividend of $0.76 per share, representing a 2.23% dividend yield. The payout ratio stands at 21.6%, supported by 33 consecutive years of dividend payments. Over the past 5 years, the annualized dividend growth rate was 1.1%. Its most recent quarterly ex-dividend date was September 1, 2026.

Wall Street coverage includes 2 Strong Buy, 2 Buy, and 2 Hold ratings, with 0 Sell ratings. The mean price target is $38.00, representing an 11.4% premium over the last close of $34.12. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $3.55 on revenue of $347.9M. CNB Financial beat EPS expectations in each of the last 4 quarters, and its next earnings date is October 29, 2026.

This page is an AI-written research summary of CNB Financial Corporation (CCNE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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