# CNB Financial Corporation (CCNE) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $34.91, market value $1.0 billion.

## Valuation
- **P/E (trailing): 11.0×** (5-yr avg 8.5×, 3-yr avg 9.5×). CNB Financial Corporation trades at 11.0× trailing earnings, well above its own five-year average of 8.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.24**. A PEG of 2.24 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.3%** (5-yr avg 11.1%). Free cash flow equals 8.3% of the market value, below its five-year average of 11.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 9.1%**. The inverse of the P/E: 9.1% of the price is earned each year.

## Profitability
- **Return on equity: 7.6%**. 7.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 4.2%** (3-yr -8.6%/yr, 5-yr 4.8%/yr). Earnings per share rose 4.2%.
- **Free-cash-flow growth (3 yr): 4.3%/yr**. Free cash flow has compounded at 4.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $528 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.18%** ($0.74 per share, trailing). CNB Financial Corporation yields 2.18%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 28%** (26% of free cash flow). 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 1.1%/yr** (1-yr 1.4%). The dividend has grown 1.1% a year over five years.

## Analyst view
- **Analyst consensus: buy** (5 analysts). 5 analysts cover CNB Financial Corporation; the consensus is buy, with an average price target of $37.80 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 35.3%** (YTD 35.1%, 3-mo 12.4%). The shares are up 35.3% over twelve months including dividends.
- **From 52-week high: -3.5%** (53.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.64** (volatility 24%). Beta of 0.64 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CCNE · Page: https://foliofundamentals.com/stocks/ccne

Not investment advice.