Stock AnalizCnb Financial Corp CCNE
Major Banks · data as of November 13, 2026
Cnb Financial Corp (CCNE) is a financial company listed in the US with a market value of about $1.1B. In the twelve months to September 30, 2026 it had revenue of $345M and net income of $104M, a net margin of 30.2%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is shareholder returns (4/5); the weakest is future growth (2/5).
Key numbers: a P/E of 9.1, a price to free cash flow of 12.5, 5-year revenue growth of 12% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 41% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $345M | $282M | $227M | $223M | $224M | $193M | $163M | $142M | $126M | $113M | $99M |
| Net income | $104M | $66M | $55M | $58M | $63M | $58M | $33M | $40M | $34M | $24M | $21M |
| Free cash flow | $84M | $59M | $55M | $36M | $52M | $52M | $23M | $43M | $42M | $26M | $17M |
| EPS (diluted) | $3.36 | $2.49 | $2.39 | $2.55 | $3.26 | $3.16 | $1.97 | $2.63 | $2.21 | $1.57 | $1.42 |
| Net margin | 30.2% | 23.4% | 24.1% | 26.0% | 28.2% | 29.9% | 20.1% | 28.2% | 26.8% | 21.1% | 20.8% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $38.50, 8% above the current price; targets range from $36.00 to $40.00; the consensus rating is “Buy”; expected EPS is $3.58 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Cnb Financial’s P/E ratio?
About 9.1, based on the last twelve months of diluted earnings per share (forward P/E about 9.8).
Is Cnb Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 41% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Cnb Financial pay a dividend?
Yes. The dividend yield is about 2.14%, and it has paid dividends for 10 years in our data.
Is Cnb Financial a good stock to buy?
We do not give buy or sell advice. Cnb Financial scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.