CNB Financial Corporation
$29.74
-3.3%CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of February 8, 2022, the company operated a private banking division; three loan production office; one drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York, and Virginia. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 11.8).
Valuation inputs: P/E 11.8, earnings yield +8.4%, momentum -3.3%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +7.6%, ROIC +0.9%).
Profitability stack: net margin +16.3%, ROE +7.6%, ROIC +0.9%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +89.6%, momentum -3.3%, net margin +16.3%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
CNB Financial Corporation Market vs Earnings Trajectory
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CNB Financial Corporation Fair Value Envelope
CNB Financial Corporation Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
CNB Financial Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
CNB Financial Corporation Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.
Financial Health Insight
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
CNB Financial Corporation Street Expectations Map
Wall Street analysts project that CCNE stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 34.50, with estimates ranging from a low of 34.00 to a high of 35.00.
The consensus 1-year price target stands at 34.50, with estimates ranging from a low of 34.00 to a high of 35.00.
Analyst Consensus Analysis
Upside Potential
Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
CNB Financial Corporation Insider Positioning
During the last 12 months, insiders have purchased $195K and sold $928K worth of CCNE shares, resulting in $733K of net selling activity.
3 Months
1.4K
40.49K
1.5K
47.04K
-7K
-$7K
3-6 Months
1.9K
51.17K
27.5K
763.83K
-713K
-$713K
6-9 Months
1.1K
27.09K
4.4K
117.22K
-90K
-$90K
9-12 Months
3.3K
75.88K
0
0.00
+76K
+$76K
Top Buyers
Peduzzi Michael D
Director, Officer: President & Ceo
$82K
Powell Jeffrey S
Director
$67K
Olson Gary S
Director
$35K
Scott Nicholas N. Jr.
Director
$10K
Andersen Anna K
Officer, Other: Svp & Chief Risk Officer
$988
Top Sellers
Olson Gary S
Director
$694K
Henning Daniel J
Director
$117K
Higgins Carla M.
Officer: Svp/Strategic Project Manager
$40K
Wilcoxson Angela D.
Officer: Evp/Chief Commercial Banking
$26K
Shilling Steven R
Officer: Evp/Chief Wealth Mngt Officer
$25K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $733K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Recent Trend (3 Months)
Negative recent trend with net selling. Insiders have reduced positions in recent months, which could signal caution.
Insider Participation
5 insider buyers and 5 sellers. Equal participation suggests mixed or neutral insider views.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
ccne Dividend History
Learning Layer
Related Guides
Build conviction on CCNE by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.