CNB Financial Corporation (CCNE) 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 (CCNE) trades at $33.78 with AI Score 85/100 (Grade A+). CNB Financial Corporation, founded in 1865, operates as the bank holding company for CNB Bank, offering a range of banking and… Market cap: $1.00B, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: May 9, 2026CCNE stock analysis for 2026: Analysts have set a consensus price target of $35.00 for CNB Financial Corporation, suggesting 3.6% upside from the current price of $33.78. The AI MoonshotScore is 85/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CCNE: 3/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bullish.
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 (CCNE) Financial Services Profile
CNB Financial Corporation, established in 1865, provides comprehensive banking services across Pennsylvania, Ohio, New York, and Virginia. As the holding company for CNB Bank, it offers diverse financial products, including commercial lending, wealth management, and retail banking, positioning itself as a community-focused regional bank with a stable financial profile.
What Is the Investment Thesis for CCNE?
CNB Financial Corporation presents a stable investment profile within the regional banking sector. With a market capitalization of $1.00B and a P/E ratio of 8.0, the company demonstrates reasonable valuation metrics. A dividend yield of 2.34% offers investors an income component. The company's consistent profitability, reflected in a profit margin of 18.7% and a gross margin of 62.8%, supports its financial health. Growth catalysts include strategic expansion within its existing geographic footprint and enhanced wealth management services. Potential risks include interest rate sensitivity and regional economic slowdowns.
Based on FMP financials and quantitative analysis
CCNE Key Highlights
Market Cap of $1.00B indicates a solid valuation within the regional banking sector.
- P/E Ratio of 8.0 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 18.7% demonstrates strong profitability and efficient operations.
- Gross Margin of 62.8% highlights the company's ability to manage its cost of services effectively.
- Dividend Yield of 2.34% provides an attractive income stream for investors.
Who Are CCNE's Competitors?
CCNE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FULT Fulton Financial Corporation | $23.62 | -0.13% | $4.51B | 80 |
| PBIP Prudential Bancorp, Inc., operating as Prudential Bank, provides a range of banking products and services to individuals and businesses. With a history dating back to 1886, the company | $15.13 | -0.66% | 46 | |
| WSFS WSFS Financial Corporation | $79.90 | +0.11% | $4.16B | 92 |
| CPF Central Pacific Financial Corp. | $37.51 | +1.11% | $979M | 92 |
| CAC Camden National Corporation | $56.50 | -0.26% | $956M | 93 |
| CFFN Capitol Federal Financial, Inc. | $8.54 | +0.53% | $1.05B | 93 |
| MPB Mid Penn Bancorp, Inc. | $37.22 | +0.54% | $943M | 92 |
| THFF First Financial Corporation | $79.07 | +0.32% | $940M | 95 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCNE's Key Strengths?
Strong community banking presence.
- Diversified product and service offerings.
- Solid financial performance and profitability.
- Experienced management team.
What Are CCNE's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking model.
- Exposure to interest rate risk.
- Competition from larger financial institutions and fintech companies.
What Could Drive CCNE Stock Higher?
Strategic branch expansion into underserved markets.
- Enhanced digital banking platform launch in Q4 2026.
- Growth in wealth management and trust services.
- Targeted commercial lending to growing industries.
What Are the Key Risks for CCNE?
Financial-distress signal — its Altman Z-Score of 0.25 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn and credit quality deterioration.
- Rising interest rates and margin compression.
- Increased regulatory scrutiny and compliance costs.
- Cybersecurity threats and data breaches.
- Competition from larger financial institutions and fintech companies.
What Are the Growth Opportunities for CCNE?
- Expansion of Wealth Management Services: CNB Financial can expand its wealth management offerings to capture a larger share of the market. The wealth management industry is experiencing growth due to an aging population and increasing demand for retirement planning services. By offering tailored financial planning, investment management, and trust services, CNB Financial can attract high-net-worth individuals and families. This initiative can increase fee-based income and diversify revenue streams, with a potential market size of several billion dollars across its operating regions.
- Strategic Branch Expansion: CNB Financial can strategically expand its branch network in underserved markets within Pennsylvania, Ohio, New York, and Virginia. Identifying areas with strong economic growth and limited banking options can provide a competitive advantage. New branches can attract new customers, increase deposit base, and generate loan growth. A phased approach to branch expansion, with careful site selection and targeted marketing, can maximize the return on investment. Each new branch could potentially add millions in deposits and loans within 2-3 years.
- Enhanced Digital Banking Platform: Investing in and enhancing its digital banking platform can attract and retain tech-savvy customers. The increasing adoption of mobile banking and online financial services necessitates a user-friendly and secure digital platform. CNB Financial can offer features such as mobile check deposit, online bill pay, and personalized financial management tools. This initiative can reduce operational costs, improve customer satisfaction, and expand the bank's reach beyond its physical branch network. The digital banking market is projected to grow significantly over the next five years.
- Targeted Commercial Lending: CNB Financial can focus on expanding its commercial lending portfolio by targeting specific industries and sectors within its operating regions. Identifying industries with strong growth potential, such as healthcare, technology, and manufacturing, can provide opportunities for loan growth. Offering specialized lending products and services, such as equipment financing, working capital loans, and commercial real estate loans, can attract businesses. This initiative can increase interest income and diversify the loan portfolio, contributing to overall revenue growth. The commercial lending market in its operating regions is substantial, offering significant growth potential.
- Acquisition Opportunities: CNB Financial can pursue strategic acquisitions of smaller community banks or financial institutions within its existing footprint. Acquisitions can provide access to new markets, customers, and products. Synergies from cost savings and revenue enhancements can improve profitability. A disciplined approach to acquisitions, with careful due diligence and integration planning, is essential for success. The regional banking sector is consolidating, creating opportunities for CNB Financial to expand through acquisitions. This strategy could add significant assets and market share over the next 3-5 years.
What Are CCNE's Competitive Advantages?
- Established community presence and strong local relationships.
- Diversified range of banking and financial services.
- Experienced management team with deep industry knowledge.
- Conservative lending practices and risk management.
- Strong capital base and financial stability.
What Does CCNE Do?
CNB Financial Corporation, established in 1865, serves as the bank holding company for CNB Bank. It delivers a comprehensive suite of banking products and services to individuals, businesses, governmental entities, and institutional clients. The company's history is rooted in Clearfield, Pennsylvania, where it began as a local financial institution. Over the years, CNB Financial has expanded its footprint to include 45 full-service offices across Pennsylvania, Ohio, New York, and Virginia, along with a private banking division and several loan production offices. CNB Financial's core offerings include a variety of deposit accounts, such as checking, savings, and time deposit accounts. The company is also active in lending, providing real estate, commercial, industrial, residential, and consumer loans. Additionally, CNB Financial offers specialized financial services, including wealth and asset management, trust and estate administration, and retirement plan services. The company also invests in debt and equity securities and provides insurance products. CNB Financial aims to provide personalized service and tailored financial solutions to its diverse customer base, fostering long-term relationships and contributing to the economic vitality of the communities it serves.
What Products and Services Does CCNE 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 plans and other employee benefit plans.
- Invests in debt and equity securities.
- Sells annuities and other insurance products.
- Offers small balance unsecured and secured loans.
How Does CCNE Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and trust services.
- Profits from investments in debt and equity securities.
- Receives commissions from the sale of insurance products.
What Industry Does CCNE Operate In?
CNB Financial Corporation operates within the regional banking industry, which is characterized by increasing competition and regulatory scrutiny. The industry is influenced by factors such as interest rate movements, economic growth, and technological advancements. Regional banks like CNB Financial face competition from larger national banks, credit unions, and fintech companies. The trend towards digital banking and mobile payments is reshaping the industry, requiring banks to invest in technology to remain competitive. CNB Financial's focus on community banking and personalized service helps it differentiate itself in this environment.
Who Are CCNE's Key Customers?
- Individuals seeking personal banking services.
- Businesses requiring commercial loans and deposit accounts.
- Governmental entities needing financial services.
- Institutional clients requiring wealth management and trust services.
Forward Outlook
Wall Street analysts project CNB Financial Corporation revenue of about $347.6M for fiscal 2026, with EPS near $3.55. The estimate reflects 3 contributing analysts.
Quarterly Financial Performance: CNB Financial Corporation
Revenue for CNB Financial Corporation came in at $127.0M during Q2 2026, a 13.3% improvement versus the preceding quarter. 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, CCNE averaged $0.78 in diluted EPS.
CCNE Valuation & Market Position
With a $1.00B market cap, CNB Financial Corporation sits in the small-cap segment of the market. Relative to its peer group, CCNE's quantitative score of 85/100 is roughly in line with the peer average of 81/100.
Key Financial Metrics
Return on equity for CNB Financial Corporation stands at 10.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. CCNE trades at a trailing price-to-earnings ratio of 7.99, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, 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 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.25 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
CNB Financial Corporation has beaten Wall Street's EPS estimate in 8 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 9.8% above estimates on average.
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. CCNE has traded publicly since 1994.
CCNE Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong community banking presence.
- Diversified product and service offerings.
- Solid financial performance and profitability.
- Experienced management team.
Bear Case
- Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking model.
- Exposure to interest rate risk.
- Competition from larger financial institutions and fintech companies.
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
CCNE Latest News
No recent news available for CCNE.
CCNE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CCNE.
Price Targets
Consensus target: $35.00
CCNE MoonshotScore
What does this score mean?
The MoonshotScore rates CCNE 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, bringing extensive experience in the financial services industry. His career spans several decades, with a focus on community banking and regional financial institutions. He has held various leadership positions within CNB Financial, contributing to the company's strategic growth and operational efficiency. Peduzzi's background includes expertise in lending, risk management, and strategic planning. He is actively involved in community development initiatives and serves on various boards and committees.
Track Record: Under Michael D. Peduzzi's leadership, CNB Financial Corporation has maintained a stable financial performance and expanded its market presence. He has overseen strategic initiatives to enhance the company's digital banking capabilities and expand its wealth management services. Peduzzi has also focused on fostering a strong corporate culture and promoting employee engagement. His leadership has contributed to CNB Financial's reputation as a trusted community bank.
CNB Financial Corporation Financial Services Stock: Key Questions Answered
What does the AI Score mean for CCNE?
CCNE holds an AI Score of 85/100 (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 a range of banking and financial services. The company has 45 full-service offices across …
What does CNB Financial Corporation do?
CNB Financial Corporation operates as the bank holding company for CNB Bank, providing a range of banking and financial services to individuals, businesses, governmental entities, and institutional clients. The company offers deposit accounts, loans, wealth management, and trust services through its network of 45 full-service offices across Pennsylvania, Ohio, New York, and Virginia.
What do analysts say about CCNE stock?
Analyst coverage of CCNE stock is limited, reflecting its position as a regional bank. Current consensus suggests a neutral outlook, with expectations of steady earnings growth and stable dividend payments. Key valuation metrics, such as the P/E ratio and dividend yield, are in line with industry averages.
What are the main risks for CCNE?
CNB Financial Corporation faces several risks inherent to the banking industry. Economic downturns in its operating regions could lead to credit quality deterioration and increased loan losses. Rising interest rates could compress the company's net interest margin and reduce profitability. Increased regulatory scrutiny and compliance costs could negatively impact earnings.
What are the key factors to evaluate for CCNE?
CNB Financial Corporation (CCNE) holds an AI score of 85/100 (high). P/E: 8.0x vs the S&P 500's ~20-25x. Analysts target $35.00 (+4%). Not financial advice.
How frequently does CCNE data refresh on this page?
CCNE's price was last updated on Aug 21, 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 CCNE's recent stock price performance?
CNB Financial Corporation (CCNE) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community banking presence. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CCNE overvalued or undervalued right now?
CNB Financial Corporation (CCNE) trades at 8.0x earnings. Analysts target $35.00 (+4%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CCNE before investing?
Before investing in CNB Financial Corporation (CCNE), 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).
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.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of the latest available reporting period.