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CNB FINANCIAL CORP/PA CCNE

Nasdaq · stock · State Commercial Banks · website · IPO 1994-03-16

CNB FINANCIAL CORP/PA statistics & valuation

Market cap$1.0B
P / E15.2×
P / B1.2×
P / FCF17.2×
Dividend yield1.81%
Return on equity7.6%
Net cash$443.0M
Enterprise value USD$563.5M
Graham number +27.8%$44.50

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($44.50); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.70% 9.80% 12.80% 13.10% 7.90% 13.00% 11.90% 10.20% 8.90% 7.60% 2016201720182019202020212022202320242025
Shares outstanding
14.4M 15.1M 15.2M 15.2M 16.0M 17.0M 21.2M 21.2M 20.9M 24.7M 2016201720182019202020212022202320242025
Net debt ($)
$73.7M $292.6M $270.2M $105.6M -$462.1M -$648.5M -$22.3M -$137.8M -$358.5M -$443.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.80% 0.90% 1.00% 1.10% 0.70% 1.10% 1.20% 1.00% 0.90% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
0.49× 1.34× 1.20× 0.98× 0.17× 0.19× 0.16× 0.15× 0.14× 0.10× 2016201720182019202020212022202320242025
EPS ($)
$1.42 $1.57 $2.21 $2.63 $1.97 $3.16 $3.26 $2.55 $2.39 $2.49 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CNB FINANCIAL CORP/PA trades at about 14× earnings — above its 10-year norm (10-year range 7.4×–17.2×, median 11.1×).

7.4× 17.2×

Shaded band = 10-year range (7.4×–17.2×); dot = today's 14×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Return on assets0.8%0.9%1.0%1.2%1.1%0.7%1.1%1.0%0.9%0.8%
Return on equity7.6%8.9%10.2%11.9%13.0%7.9%13.1%12.8%9.8%9.7%
Debt / equity0.10×0.14×0.15×0.16×0.19×0.17×0.98×1.20×1.34×0.49×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.