CNB Financial Corporation (CCNE) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
CNB Financial Corporation stock (CCNE) is currently trading at $28.33. CNB Financial Corporation PE ratio is 11.02. CNB Financial Corporation PS ratio (Price-to-Sales) is 2.98. Analyst consensus price target for CCNE is $32.67. WallStSmart rates CCNE as Buy.
- CCNE PE ratio analysis and historical PE chart
- CCNE PS ratio (Price-to-Sales) history and trend
- CCNE intrinsic value — DCF, Graham Number, EPV models
- CCNE stock price prediction 2025 2026 2027 2028 2029 2030
- CCNE fair value vs current price
- CCNE insider transactions and insider buying
- Is CCNE undervalued or overvalued?
- CNB Financial Corporation financial analysis — revenue, earnings, cash flow
- CCNE Piotroski F-Score and Altman Z-Score
- CCNE analyst price target and Smart Rating
CNB Financial Corporation
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CCNE Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · CNB Financial Corporation (CCNE)
CCNE trades at a significant discount to its Graham intrinsic value of $116.53, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
CNB Financial Corporation (CCNE) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
CNB Financial Corporation (CCNE) Key Strengths (7)
Keeps $51 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 80.50% year-over-year
Earnings per share surging 65.80% year-over-year
Keeps $24 of every $100 in revenue as net profit
Good growth relative to its price
62.71% held by institutions, strong professional interest
Supporting Valuation Data
CNB Financial Corporation (CCNE) Areas to Watch (3)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.98x sales
CNB Financial Corporation (CCNE) Detailed Analysis Report
Overall Assessment
This company scores 81/100 in our Smart Analysis, earning a A- grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.4/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including PEG Ratio (1.06), Price/Book (1.00) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 50.90%, Profit Margin at 24.20%. Growth metrics are encouraging with Revenue Growth at 80.50%, EPS Growth at 65.80%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.98) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 8.92%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.92% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 80.50% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A- grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CCNE Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CCNE's Price-to-Sales ratio of 2.98x trades at a deep discount to its historical average of 6.09x (3th percentile). The current valuation is 64% below its historical high of 8.34x set in Sep 2009, and 2% above its historical low of 2.93x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for CNB Financial Corporation (CCNE) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
CNB Financial Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 273M with 81% growth year-over-year. Profit margins are strong at 24.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 81% YoY, reaching 273M. This pace significantly outperforms most BANKS - REGIONAL peers.
Profit margin of 24.2% and operating margin of 50.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can CNB Financial Corporation maintain 81%+ revenue growth, or will competition slow it down?
Debt management: total debt of 269M is significantly higher than cash (78M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact CNB Financial Corporation.
Bottom Line
CNB Financial Corporation offers an attractive blend of growth (81% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About CNB Financial Corporation(CCNE)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
CNB Financial Corporation is the banking holding company for CNB Bank offering a range of banking products and services for individual, commercial, government and institutional clients. The company is headquartered in Clearfield, Pennsylvania.