CNB Financial Corporation (CCNEP) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CNB Financial Corporation (CCNEP) trades at $25.00 with AI Score 82/100 (Grade A+). CNB Financial Corporation, founded in 1865, operates as the bank holding company for CNB Bank, offering diverse financial products and services. Market cap: $1.04B, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for CCNEP: CCNEP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CCNEP against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
CCNEP: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
CNB Financial Corporation (CCNEP) Financial Services Profile
CNB Financial Corporation, a regional bank holding company with a $1.04B market cap, provides comprehensive banking and wealth management services across multiple states. Founded in 1865, CNB operates 45 full-service offices and focuses on community banking and specialized financial solutions, yielding a 2.66% dividend.
What Is the Investment Thesis for CCNEP?
CNB Financial Corporation presents a stable investment profile within the regional banking sector. With a market capitalization of $1.04B and a P/E ratio of 12.22, the company showcases consistent profitability, supported by a profit margin of 16.0%. The dividend yield of 2.66% offers an appealing income stream for investors. Growth catalysts include expansion of wealth management services and strategic lending initiatives in its operating regions. However, potential risks involve interest rate sensitivity and regulatory changes impacting regional banks. The company's beta of 0.70 suggests lower volatility compared to the broader market. Investors should monitor CNB Financial's ability to maintain asset quality and manage operational costs to sustain its competitive position.
Based on FMP financials and quantitative analysis
CCNEP Key Highlights
Market capitalization of $1.04B indicates a solid presence in the regional banking sector.
- P/E ratio of 12.22 suggests a reasonable valuation compared to earnings.
- Profit margin of 16.0% demonstrates effective profitability management.
- Gross margin of 61.5% highlights the efficiency of its financial service offerings.
- Dividend yield of 2.66% provides a steady income stream for investors.
Who Are CCNEP's Competitors?
CCNEP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMTB Amerant Bancorp Inc. | $28.44 | -0.28% | $1.11B | 95 |
| BFST Business First Bancshares, Inc. | $31.05 | -2.88% | $1.01B | 81 |
| EFSC Enterprise Financial Services Corp | $64.02 | +0.68% | $2.32B | 91 |
| HBT HBT Financial, Inc. | $35.42 | -2.96% | $1.29B | 93 |
| HTB HomeTrust Bancshares, Inc. | $47.10 | -0.97% | $792M | 88 |
| CFFN Capitol Federal Financial, Inc. | $8.54 | +0.53% | $1.05B | 93 |
| CAC Camden National Corporation | $56.65 | -2.73% | $958M | 93 |
| UVSP Univest Financial Corporation | $41.67 | -2.98% | $1.15B | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCNEP's Key Strengths?
Strong regional presence in Pennsylvania, Ohio, New York, and Virginia.
- Diversified range of banking and wealth management services.
- Established relationships with local communities and businesses.
- Solid financial performance with a healthy profit margin.
What Are CCNEP's Weaknesses?
Limited geographic diversification compared to larger national banks.
- Reliance on traditional banking services may limit growth potential.
- Potential vulnerability to interest rate fluctuations.
- Higher operational costs associated with maintaining physical branches.
What Could Drive CCNEP Stock Higher?
Expansion of digital banking services to enhance customer experience and attract new customers.
- Strategic lending initiatives targeting specific sectors such as commercial real estate and small business lending.
- Potential acquisitions of smaller banks in adjacent markets to expand geographic footprint (within the next 3-5 years).
- Focus on wealth management services to generate fee income and attract high-net-worth clients.
What Are the Key Risks for CCNEP?
Financial-distress signal — its Altman Z-Score of 1.27 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns affecting loan demand and asset quality.
- Increasing competition from larger national banks and fintech companies.
- Regulatory changes impacting the banking industry.
- Cybersecurity risks and data breaches.
- Interest rate fluctuations affecting net interest margin.
What Are the Growth Opportunities for CCNEP?
- Expansion of Wealth Management Services: CNB Financial can capitalize on the growing demand for wealth management services by expanding its offerings and targeting high-net-worth individuals and families. The wealth management market is projected to reach $110 trillion globally by 2027. By enhancing its trust and estate administration, retirement planning, and investment advisory services, CNB Financial can attract new clients and increase its fee-based income. This expansion can be achieved through strategic acquisitions, hiring experienced wealth managers, and leveraging technology to provide personalized financial solutions. Timeline: Ongoing.
- Strategic Lending Initiatives: CNB Financial can drive loan growth by focusing on strategic lending initiatives in its existing markets. By targeting specific sectors such as commercial real estate, small business lending, and consumer loans, the company can increase its loan portfolio and generate higher interest income. The U.S. commercial lending market is expected to reach $3.5 trillion by 2028. CNB Financial can differentiate itself by offering competitive rates, flexible terms, and personalized service to borrowers. This initiative requires a strong credit risk management framework and a proactive sales strategy. Timeline: Ongoing.
- Digital Banking Enhancements: Investing in digital banking technologies can enhance customer experience, improve operational efficiency, and attract a younger demographic. The digital banking market is projected to reach $9.0 trillion by 2027. By offering mobile banking, online account opening, and personalized financial management tools, CNB Financial can compete with larger banks and fintech companies. This requires investments in cybersecurity, data analytics, and user-friendly interfaces. Timeline: Upcoming - within the next 2 years.
- Geographic Expansion: CNB Financial can expand its geographic footprint by opening new branches or acquiring smaller banks in adjacent markets. The regional banking sector is consolidating, creating opportunities for strategic acquisitions. By expanding into new markets, CNB Financial can diversify its revenue streams and increase its market share. This requires careful market research, due diligence, and integration planning. Timeline: Upcoming - within the next 3-5 years.
- Focus on Small Business Banking: CNB Financial can strengthen its position as a community bank by focusing on the needs of small businesses. By offering tailored financial solutions, such as business loans, lines of credit, and cash management services, the company can attract and retain small business customers. The small business lending market is projected to reach $1.2 trillion by 2026. CNB Financial can differentiate itself by providing personalized service, local expertise, and quick decision-making. This requires a dedicated team of business bankers and a strong understanding of the local business environment. Timeline: Ongoing.
What Are CCNEP's Competitive Advantages?
- Established brand and reputation in local markets.
- Strong customer relationships built on personalized service.
- Local market expertise and community ties.
- Diversified range of financial products and services.
What Does CCNEP Do?
CNB Financial Corporation, established in 1865, functions as the bank holding company for CNB Bank. The bank offers a wide array of banking products and services tailored to individual, business, governmental, and institutional customers. These services encompass traditional banking solutions such as checking, savings, and time deposit accounts. CNB Bank also provides various lending options, including real estate, commercial, industrial, residential, and consumer loans, alongside specialized financial services. Beyond traditional banking, CNB Financial provides wealth and asset management services. These include the administration of trusts and estates, retirement plans, and other employee benefit plans, accompanied by a suite of wealth management services. The company strategically invests in debt and equity securities to enhance its financial performance. CNB Financial also engages in the sale of nonproprietary annuities and other insurance products, expanding its service offerings. Additionally, the company provides small balance unsecured loans and secured loans, primarily collateralized by automobiles and equipment. As of February 8, 2022, CNB Financial operated a private banking division, three loan production offices, one drive-up office, and 45 full-service offices across Pennsylvania, Ohio, New York, and Virginia. Headquartered in Clearfield, Pennsylvania, CNB Financial Corporation continues to focus on community banking while expanding its reach through strategic service diversification and regional presence.
What Products and Services Does CCNEP Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers real estate, commercial, and consumer loans.
- Provides wealth and asset management services.
- Administers trusts and estates.
- Manages retirement and employee benefit plans.
- Invests in debt and equity securities.
- Sells nonproprietary annuities and insurance products.
- Offers small balance unsecured and secured loans.
How Does CCNEP Make Money?
- Generates revenue from interest income on loans.
- Earns fees from wealth and asset management services.
- Receives commissions from the sale of insurance products.
- Profits from investments in debt and equity securities.
What Industry Does CCNEP Operate In?
CNB Financial Corporation operates within the regional banking sector, which is characterized by increasing competition and regulatory scrutiny. The industry is experiencing a shift towards digital banking and enhanced customer service. CNB Financial competes with other regional banks and credit unions, focusing on personalized service and community relationships. The regional banking sector is influenced by interest rate fluctuations and economic conditions, requiring banks to maintain strong capital positions and manage credit risk effectively. The market is projected to grow moderately as regional economies expand and demand for financial services increases.
Who Are CCNEP's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Governmental entities needing financial services.
- Institutional clients requiring wealth management and investment services.
CNB Financial Corporation (CCNEP) Valuation Context
Valued at $1.04B, CCNEP is classified as a small-cap stock. Relative to its peer group, CCNEP's quantitative score of 82/100 is roughly in line with the peer average of 90/100.
CCNEP Revenue & Earnings Trend
In Q2 2026, CCNEP generated $127.0M in top-line revenue, marking a sequential increase of 13.3%. The company recorded net income of $28.3M, with diluted EPS of $0.92. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, CCNEP averaged $0.78 in diluted EPS.
Company Profile
CNB Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Clearfield, US. The company is led by CEO Michael D. Peduzzi. CCNEP has traded publicly since 2020.
Key Financial Metrics
Return on equity for CNB Financial Corporation stands at 10.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. CCNEP trades at a trailing price-to-earnings ratio of 12.17, below the Financial Services sector average of ~18x. Its free cash flow yield is 6.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.67 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.2%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
CNB Financial Corporation's Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 1.27 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project CNB Financial Corporation revenue of about $348.4M for fiscal 2026, with EPS near $3.57. The estimate reflects 4 contributing analysts.
Insider Activity
Over the past six months, CNB Financial Corporation insiders filed 15 SEC Form 4 transactions — 7 sales and 8 purchases. On net that is roughly 16K shares disposed (about $117K), a signal worth weighing alongside the fundamentals.
CCNEP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong regional presence in Pennsylvania, Ohio, New York, and Virginia.
- Diversified range of banking and wealth management services.
- Established relationships with local communities and businesses.
- Solid financial performance with a healthy profit margin.
Bear Case
- Limited geographic diversification compared to larger national banks.
- Reliance on traditional banking services may limit growth potential.
- Potential vulnerability to interest rate fluctuations.
- Higher operational costs associated with maintaining physical branches.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $127M | $28M | $0.92 |
| Q1 2026 | $112M | $27M | $0.88 |
| Q4 2025 | $112M | $34M | $1.10 |
| Q3 2025 | $118M | $7M | $0.20 |
Based on FMP financials and quantitative analysis
CCNEP Latest News
No recent news available for CCNEP.
CCNEP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CCNEP.
Price Targets
Wall Street price target analysis for CCNEP.
CCNEP MoonshotScore
What does this score mean?
The MoonshotScore rates CCNEP 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Michael D. Peduzzi
CEO
Michael D. Peduzzi serves as the CEO of CNB Financial Corporation, leading a team of 769 employees. His career spans several decades in the financial services industry, with a focus on community banking and regional development. Peduzzi has held various leadership positions within CNB Financial, contributing to the company's strategic growth and operational efficiency. He is actively involved in community initiatives and serves on several boards, demonstrating his commitment to local development. Peduzzi holds degrees in Business Administration and Finance.
Track Record: Under Michael D. Peduzzi's leadership, CNB Financial Corporation has expanded its market presence and enhanced its service offerings. He has overseen the successful integration of several acquisitions and implemented key technology upgrades to improve customer experience. Peduzzi has also focused on maintaining strong asset quality and managing credit risk effectively, contributing to the company's consistent profitability and financial stability.
CNB Financial Corporation Financial Services Stock: Key Questions Answered
What does the AI Score mean for CCNEP?
CCNEP holds an AI Score of 82/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. CNB Financial Corporation, founded in 1865, operates as the bank holding company for CNB Bank, offering diverse financial products and services. With a market capitalization of $1.04B, the company …
What does CNB Financial Corporation do?
CNB Financial Corporation operates as the bank holding company for CNB Bank, providing a comprehensive suite of banking and financial services to individuals, businesses, governmental entities, and institutional clients. These services include deposit accounts, loans, wealth management, and investment services. The company focuses on building strong relationships with its customers and communities, offering personalized service and local expertise.
What are the main risks for CCNEP?
CNB Financial Corporation faces several risks inherent to the regional banking sector. These include economic downturns affecting loan demand and asset quality, increasing competition from larger national banks and fintech companies, and regulatory changes impacting the banking industry. Cybersecurity risks and data breaches pose a significant threat to the company's operations and reputation.
What are the key factors to evaluate for CCNEP?
CNB Financial Corporation (CCNEP) holds an AI score of 82/100 (high). CNB Financial Corporation presents a stable investment profile within the regional banking sector. Not financial advice.
How frequently does CCNEP data refresh on this page?
CCNEP's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CCNEP's recent stock price performance?
CNB Financial Corporation (CCNEP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Pennsylvania, Ohio, New York, and Virginia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CCNEP overvalued or undervalued right now?
CNB Financial Corporation (CCNEP) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CCNEP before investing?
Before investing in CNB Financial Corporation (CCNEP), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CCNEP to a portfolio?
Key strength of CNB Financial Corporation (CCNEP): Strong regional presence in Pennsylvania, Ohio, New York, and Virginia. Its MoonshotScore of 82/100 reflects strong quantitative fundamentals. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for CCNEP, limiting the depth of insights.
- Financial data is based on information available as of 2022-02-08.