CNB Financial Financials

CCNE Stock  USD 27.58  0.14  0.51%   
Based on the analysis of CNB Financial's profitability, liquidity, and operating efficiency, CNB Financial is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At present, CNB Financial's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 599.8 M, whereas Non Current Assets Total are forecasted to decline to about 477.6 M. Key indicators impacting CNB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.420.2672
Way Up
Slightly volatile
Return On Assets0.01110.0101
Significantly Up
Very volatile
Return On Equity0.120.1016
Fairly Up
Pretty Stable
Debt Equity Ratio0.170.1836
Significantly Down
Pretty Stable
Operating Income42.5 M71.8 M
Way Down
Slightly volatile
Current Ratio2.512.65
Notably Down
Very volatile
Investors should never underestimate CNB Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CNB Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in CNB Financial.

Net Income

60.92 Million

  
Understanding current and past CNB Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CNB Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in CNB Financial's assets may result in an increase in income on the income statement.
Please note, the presentation of CNB Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, CNB Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of CNB Financial's management manipulating its earnings.

CNB Financial Stock Summary

CNB Financial competes with Waterstone Financial, Mid Penn, ST Bancorp, Republic Bancorp, and Southern Missouri. 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. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania. Cnb Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 659 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS1261281075
CUSIP126128107
LocationPennsylvania; U.S.A
Business Address1 South Second
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.cnbbank.bank
Phone814 765 9621
CurrencyUSD - US Dollar

CNB Financial Key Financial Ratios

CNB Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets3.8B4.7B5.3B5.5B5.8B6.0B
Net Debt105.6M(462.1M)(627.9M)130.7M(79.5M)(75.5M)
Retained Earnings201.5M218.7M260.6M306.9M345.9M363.2M
Cash193.0M532.7M732.2M106.3M221.9M233.0M
Other Assets2.3B2.9B3.0B4.0B4.6B4.9B
Total Liab3.5B4.3B4.9B4.9B5.2B5.4B
Total Current Assets760.2M1.2B1.5B539.8M221.9M425.0M
Net Receivables24.9M37.4M40.7M62.1M4.4B4.6B
Other Current Liab(38.5M)(41.4M)(45.0M)(51.3M)1.5B1.6B
Accounts Payable38.5M41.4M45.0M51.3M59.0M56.0M
Other Current Assets215.9M557.9M758.8M137.5M224.2M212.9M
Short Term Debt39.1M1.7M1.7M132.4M2.7M2.5M
Other Liab33.9M60.9M66.2M47.4M54.5M57.2M
Inventory(215.9M)(557.9M)(758.8M)(137.5M)(4.4B)(4.1B)
Treasury Stock(2.6M)(2.8M)(3.0M)(2.5M)(2.8M)(3.0M)
Intangible Assets160K567K460K364K1.8M1.7M
Net Tangible Assets266.2M314.6M340.9M429.2M493.6M518.3M
Capital Surpluse99.3M127.5M127.4M221.6M254.8M267.5M
Short Long Term Debt34.4M0.037.5M132.4M119.2M125.1M

CNB Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense39.5M32.5M19.8M24.1M103.9M109.1M
Total Revenue139.3M159.6M189.4M219.6M217.2M228.0M
Gross Profit139.3M159.6M189.4M219.6M217.2M228.0M
Operating Income48.6M40.1M70.8M102.3M71.8M42.5M
Ebit48.6M35.4M68.4M78.2M71.8M41.4M
Ebitda49.2M40.3M74.6M84.8M79.6M43.7M
Income Before Tax48.6M40.1M70.8M78.2M71.8M75.4M
Net Income40.1M32.7M57.7M63.2M58.0M60.9M
Income Tax Expense8.6M7.3M13.1M15.0M13.8M14.5M
Tax Provision8.6M7.3M13.1M15.0M14.6M11.4M
Net Interest Income115.2M134.7M159.8M187.8M192.5M139.3M
Interest Income154.7M167.2M179.6M211.8M276.5M172.3M

CNB Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash147.4M339.7M199.5M(625.9M)115.8M121.5M
Free Cash Flow42.9M23.1M52.4M51.8M36.1M19.5M
Depreciation6.0M6.1M6.2M6.6M7.7M8.1M
Other Non Cash Items39K(2.8M)(11.6M)(5.7M)(1.5M)(1.4M)
Dividends Paid10.4M12.1M15.9M16.9M19.0M19.9M
Capital Expenditures9.0M5.6M6.5M12.3M11.0M11.5M
Net Income40.1M32.7M57.7M63.2M58.0M60.9M
End Period Cash Flow193.0M532.7M732.2M106.3M222.0M233.1M
Investments(348.6M)(247.3M)(382.7M)(776.7M)(435.6M)(413.8M)
Net Borrowings(17.2M)(227.9M)(50M)132.4M119.2M125.1M
Change To Netincome3.8M9.6M3.1M(7.0M)(6.3M)(6.0M)

CNB Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CNB Financial's current stock value. Our valuation model uses many indicators to compare CNB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CNB Financial competition to find correlations between indicators driving CNB Financial's intrinsic value. More Info.
CNB Financial is rated fifth in return on equity category among its peers. It also is rated fifth in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CNB Financial is roughly  10.18 . At present, CNB Financial's Return On Equity is projected to increase slightly based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value CNB Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

CNB Financial Systematic Risk

CNB Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CNB Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on CNB Financial correlated with the market. If Beta is less than 0 CNB Financial generally moves in the opposite direction as compared to the market. If CNB Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CNB Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CNB Financial is generally in the same direction as the market. If Beta > 1 CNB Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CNB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CNB Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CNB Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.36)

At present, CNB Financial's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

CNB Financial November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CNB Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CNB Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of CNB Financial based on widely used predictive technical indicators. In general, we focus on analyzing CNB Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CNB Financial's daily price indicators and compare them against related drivers.

Complementary Tools for CNB Stock analysis

When running CNB Financial's price analysis, check to measure CNB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CNB Financial is operating at the current time. Most of CNB Financial's value examination focuses on studying past and present price action to predict the probability of CNB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CNB Financial's price. Additionally, you may evaluate how the addition of CNB Financial to your portfolios can decrease your overall portfolio volatility.
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