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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2401
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$713M
Joseph B. Bower
CNB Bank provides a range of banking products and services for individual, business, governmental, and institutional customers. As of February 8, 2022, the company operated a private banking division; three loan production offices; one drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York, and Virginia.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CCNE ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$CCNE CNB FINANCIAL CORP/PA | 48 | 29 | 25 | 64 | 19.0x | 15.2x | 5.5% | 0.6% | 0.0% | 16.7% | 13.4% | 34.7% | 3.0% | 878.0x | $713M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
CNB FINANCIAL CORP/PA (CCNE) receives a "Reduce" rating with a composite score of 47.5/100. It ranks #2401 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for CCNE.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 29 | 25 | +4NEUTRAL |
| MOMENTUM | 64 | 71 | -7DRAG |
| VALUATION | 25 | 16 | +9ALPHA |
| INVESTMENT | 29 | 36 | -7DRAG |
| STABILITY | 58 | 63 | -5NEUTRAL |
| SHORT INT | 67 | 81 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 3.5% vs WACC 10.2% (spread -6.7%)
GM 0% vs sector 78%, OM 17% vs sector 18%
Capital turnover 0.52x
Rev growth 35%, 10yr history
Interest coverage 0.2x, Net debt/EBITDA 22.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate CNB FINANCIAL CORP/PA (CCNE) as a Reduce with a composite score of 47.5/100 at a current price of $29.11. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
CNB FINANCIAL CORP/PA holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 47.5/100 places it at rank #2401 in our full universe.
The near-term outlook is constructive, with revenue growing at 35% and momentum in the 64th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Stable competitive position in a defensive sector.
Leverage of 878% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
CNB FINANCIAL CORP/PA represents a reduce based on multi-factor quantitative performance.
CNB FINANCIAL CORP/PA receives a Reduce rating from our analysis, with a composite score of 47.5/100 and 2 out of 5 stars, ranking #2401 out of 7,333 stocks. CCNE's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
CCNE's quality score of 29/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 5.5% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 13.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
CCNE registers a value score of just 25/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/E ratio of 19.03x, an EV/EBITDA of 15.24x, a P/B ratio of 1.05x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
CNB FINANCIAL CORP/PA's investment score of 29/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 34.7% vs. a sector average of 10.7% and a return on assets of 0.6% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
CCNE demonstrates moderate momentum with a score of 64/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 34.7% year-over-year, while a beta of 0.75 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 58/100, CCNE exhibits average financial resilience. Key stability metrics include a beta of 0.75 and a debt-to-equity ratio of 878.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
CCNE carries a short interest score of 67/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 878.00x), small-cap liquidity risk. At $713M market cap (small-cap), CNB FINANCIAL CORP/PA offers reasonable institutional liquidity.
CCNE pays a solid dividend yield of 3.0%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
CNB FINANCIAL CORP/PA is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2401 of 7,333 overall (67th percentile). Key comparisons include ROE of 5.5% trailing the 9.0% sector median and operating margins of 16.7% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While CCNE currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Value (25) would have the largest impact on the composite score.
EV/EBITDA 96% ABOVE SECTOR MEDIAN
ROE 39% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
CLEARFIELD, Pa., Feb. 18, 2026 (GLOBE NEWSWIRE) -- CNB Financial Corporation (“CNB”) (NASDAQ: CCNE) today announced that CNB Bank, its wholly-owned banking subsidiary, became a state member bank regulated by the Board of Governors of the Federal Reserve System through the Federal Reserve Bank of Philadelphia effective February 12, 2026. CNB Bank will also continue to be regulated by the Pennsylvania Department of Banking and Securities. “We’re pleased to become a state member bank of the Federal
As February begins, the U.S. stock market has shown significant strength, with major indexes like the Dow Jones Industrial Average and S&P 500 posting notable gains. This positive momentum in the market presents a timely opportunity to explore stocks that might be trading below their estimated fair value. Identifying undervalued stocks requires careful analysis of both market conditions and individual company fundamentals, offering potential for investors seeking value in a robust financial...
The board of CNB Financial Corporation ( NASDAQ:CCNE ) has announced that it will be increasing its dividend by 5.6% on...
The board of CNB Financial Corporation ( NASDAQ:CCNE ) has announced that the dividend on 13th of March will be...
CNB Financial Corporation (NASDAQ: CCNE) announced a quarterly cash dividend of $0.19 per share payable on March 13, 2026 to shareholders of record as of February 27, 2026. The financial holding company operates through its subsidiary CNB Bank with approximately $8.4 billion in consolidated assets across Pennsylvania, Ohio, New York, and Virginia.