CNB Financial Valuation
| CCNE Stock | USD 29.02 0.40 1.40% |
At this time, the firm appears to be undervalued. CNB Financial owns a latest Real Value of $30.63 per share. The recent price of the firm is $29.02. Our model approximates the value of CNB Financial from analyzing the firm fundamentals such as shares outstanding of 29.47 M, and Return On Asset of 0.0091 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting CNB Financial's valuation include:
Undervalued
Today
Please note that CNB Financial's price fluctuation is very steady at this time. Calculation of the real value of CNB Financial is based on 3 months time horizon. Increasing CNB Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the CNB stock is determined by what a typical buyer is willing to pay for full or partial control of CNB Financial. Since CNB Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of CNB Stock. However, CNB Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 29.02 | Real 30.63 | Target 28.5 | Hype 29.07 | Naive 28.67 |
The real value of CNB Stock, also known as its intrinsic value, is the underlying worth of CNB Financial Company, which is reflected in its stock price. It is based on CNB Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of CNB Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of CNB Financial helps investors to forecast how CNB stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CNB Financial more accurately as focusing exclusively on CNB Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use CNB Financial's intrinsic value based on its ongoing forecasts of CNB Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against CNB Financial's closest peers. If more than one evaluation category is relevant for CNB Financial we suggest using both methods to arrive at a better estimate.
CNB Financial Cash |
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CNB Financial Total Value Analysis
CNB Financial is currently estimated to have valuation of 626.08 M with market capitalization of 833.88 M, debt of 145.5 M, and cash on hands of 283.12 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the CNB Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
626.08 M | 833.88 M | 145.5 M | 283.12 M |
CNB Financial Investor Information
About 62.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.0. Some equities with similar Price to Book (P/B) outperform the market in the long run. CNB Financial last dividend was issued on the 28th of November 2025. The entity had 25:10 split on the 24th of May 2004. CNB Financial is performing exceptionally good at this time. It has a great probability to report excellent financial results in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.28 | 0.2037 |
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| Total Cash From Operating Activities | 86.4 M | 82.2 M |
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| Operating Income | 86.6 M | 82.5 M |
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CNB Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of CNB indicates not a very effective usage of assets in February.CNB Financial Profitability Analysis
Taking into consideration CNB Financial's profitability measurements, CNB Financial is performing exceptionally good at this time. It has a great probability to showcase excellent profitability results in March. Profitability indicators assess CNB Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 1998-03-31 | Previous Quarter 7 M | Current Value 33.6 M | Quarterly Volatility 5.3 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.51 | 0.6069 |
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| Net Profit Margin | 0.21 | 0.1633 |
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| Operating Profit Margin | 0.28 | 0.2037 |
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| Pretax Profit Margin | 0.28 | 0.2037 |
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| Return On Assets | 0.0111 | 0.0101 |
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| Return On Equity | 0.12 | 0.1 |
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For CNB Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of CNB Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well CNB Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between CNB Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of CNB Financial over time as well as its relative position and ranking within its peers.
CNB Financial Earnings per Share Projection vs Actual
The next projected EPS of CNB Financial is estimated to be 0.785 with future projections ranging from a low of 0.78 to a high of 0.79. CNB Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 2.1. Please be aware that the consensus of earnings estimates for CNB Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.CNB Financial Earnings Estimation Breakdown
The calculation of CNB Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of CNB Financial is estimated to be 0.785 with the future projection ranging from a low of 0.78 to a high of 0.79. Please be aware that this consensus of annual earnings estimates for CNB Financial is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.78 Lowest | Expected EPS | 0.79 Highest |
CNB Financial Earnings Projection Consensus
Suppose the current estimates of CNB Financial's value are higher than the current market price of the CNB Financial stock. In this case, investors may conclude that CNB Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and CNB Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 2 | 92.94% | 0.87 | 0.785 | 2.1 |
CNB Financial Ownership Allocation
CNB Financial secures a total of 29.47 Million outstanding shares. Over half of CNB Financial's outstanding shares are owned by institutions. These institutions are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company retains, if the real value of the firm is less than the current market value, you may not be able to make money on it.CNB Financial Profitability Analysis
The company reported the previous year's revenue of 404.86 M. Net Income was 54.58 M with profit before overhead, payroll, taxes, and interest of 273.35 M.CNB Financial Past Distributions to stockholders
| 12th of December 2025 | ||
| 12th of September 2025 | ||
| 13th of June 2025 | ||
| 30th of May 2025 | ||
| 14th of March 2025 | ||
| 13th of December 2024 | ||
| 13th of September 2024 | ||
| 14th of June 2024 | ||
| 15th of March 2024 | ||
| 1st of March 2024 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates CNB Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in CNB Financial and how it compares across the competition.
About CNB Financial Valuation
The stock valuation mechanism determines CNB Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of CNB Financial. We calculate exposure to CNB Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of CNB Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 245.7 M | 258 M | |
| Pretax Profit Margin | 0.20 | 0.28 | |
| Operating Profit Margin | 0.20 | 0.28 | |
| Net Profit Margin | 0.16 | 0.21 | |
| Gross Profit Margin | 0.61 | 0.51 |
CNB Financial Quarterly Retained Earnings |
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A single share of CNB Financial represents a small ownership stake in the entity. As a stockholder of CNB, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
CNB Financial Dividends Analysis For Valuation
At present, CNB Financial's Dividend Yield is projected to slightly decrease based on the last few years of reporting. . At present, CNB Financial's Retained Earnings Total Equity is projected to increase significantly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 15.08, whereas Earning Assets are forecasted to decline to about 589.8 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 22.1 M | 23.2 M | |
| Dividend Yield | 0.03 | 0.04 | |
| Dividend Payout Ratio | 0.27 | 0.26 | |
| Dividend Paid And Capex Coverage Ratio | 1.81 | 1.44 |
There are various types of dividends CNB Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of CNB shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from CNB Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When CNB pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of CNB Financial by the value of the dividends paid out.
CNB Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as CNB Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 24.7 M | |
| Quarterly Earnings Growth Y O Y | 0.657 | |
| Forward Price Earnings | 10.1215 |
CNB Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of CNB Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value CNB we look at many different elements of the entity such as CNB's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as CNB Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use CNB Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes CNB Financial's worth.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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