| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | 1 | — | 2 | — | 1 | 1 | — | — | — | 1 | — |
| Sell | — | — | 2 | 2 | 4 | — | 2 | — | 1 | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 0.76 |
—
—
—
|
| 2025 | 0.72 |
—
—
—
—
|
| 2024 | 0.71 |
—
—
—
—
|
| 2023 | 0.70 |
—
—
—
—
|
| 2022 | 1.59 |
—
—
—
—
—
—
|
| 2021 | 0.69 |
—
—
—
—
|
| 2020 | 0.68 |
—
—
—
—
|
| 2019 | 0.85 |
—
—
—
—
—
|
| 2018 | 0.67 |
—
—
—
—
|
| 2017 | 0.66 |
—
—
—
—
|
| 2016 | 0.66 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 222.05 | 443.04 | 527.90 | 458.44 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 4,713.15 | 5,074.59 | 7,067.73 | 7,020.23 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 4,998.75 | 5,371.36 | 7,027.11 | 7,080.46 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 5,039.17 | 5,435.81 | 7,286.95 | 7,343.11 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 122.04 | 126.96 | — | — |
—
|
| ’25 | 90.89 | 94.78 | 119.21 | 127.63 |
432.51
|
| ’24 | 86.86 | 89.52 | 94.21 | 94.00 |
364.58
|
| ’23 | 74.68 | 80.63 | 83.38 | 88.35 |
327.03
|
| ’22 | 55.91 | 57.89 | 63.26 | 71.45 |
248.50
|
| ’21 | 52.53 | 51.39 | 53.86 | 55.25 |
213.03
|
| ’20 | 45.45 | 46.02 | 49.13 | 54.62 |
195.23
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 19.19 | 36.90 | — | — |
—
|
| ’25 | 11.60 | 20.23 | 7.05 | 26.10 |
64.98
|
| ’24 | 12.46 | 10.44 | 26.37 | 22.24 |
71.51
|
| ’23 | 4.81 | 11.58 | 12.91 | 17.72 |
47.02
|
| ’22 | 3.79 | 18.03 | 16.47 | 25.77 |
64.05
|
| ’21 | 11.11 | 9.84 | 17.71 | 20.27 |
58.92
|
| ’20 | 6.56 | 4.36 | 8.49 | 9.35 |
28.76
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 18.89 | 36.51 | — | — |
—
|
| ’25 | 11.11 | 18.09 | 5.17 | 29.90 |
64.26
|
| ’24 | 10.14 | 4.20 | 22.44 | 27.17 |
63.96
|
| ’23 | 1.31 | 7.86 | 11.11 | 15.83 |
36.10
|
| ’22 | 1.95 | 15.92 | 12.18 | 22.21 |
52.26
|
| ’21 | 9.80 | 9.20 | 14.89 | 19.30 |
53.18
|
| ’20 | 5.38 | 3.42 | 7.51 | 7.48 |
23.78
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.88 | 0.91 | — | — |
—
|
| ’25 | 0.50 | 0.61 | 0.22 | 1.10 |
2.49
|
| ’24 | 0.55 | 0.56 | 0.61 | 0.66 |
2.39
|
| ’23 | 0.73 | 0.61 | 0.60 | 0.62 |
2.55
|
| ’22 | 0.84 | 0.85 | 0.90 | 0.70 |
3.26
|
| ’21 | 0.78 | 0.76 | 0.82 | 0.80 |
3.16
|
| ’20 | 0.57 | 0.54 | 0.47 | 0.40 |
1.97
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 22.98 | 16.43 | 17.74 | 19.32 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 28.50 | 25.07 | 29.29 | 28.04 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 759 | 801 | 790 | 950 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.33 | 0.41 | 0.46 | 0.46 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 248.50 | 327.03 | 364.58 | 432.51 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 90.31% | 68.24% | 62.15% | 65.25% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 78.21 | 71.83 | 67.36 | 82.47 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 31.47% | 21.96% | 18.48% | 19.07% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 63.19 | 58.02 | 54.58 | 66.13 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.67 | 4.88 | 3.99 | (1.72) | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.82 | 15.64 | 17.50 | 17.59 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 3.26 | 2.55 | 2.39 | 2.49 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.56 | 2.25 | 3.43 | 2.64 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.66) | (0.52) | (0.36) | (0.03) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.91 | 1.73 | 3.07 | 2.61 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.51 | 27.33 | 29.31 | 35.47 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 17.99 | 20.90 | 20.84 | 24.59 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.19 | 8.81 | 10.40 | 10.77 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.71 | 1.44 | 1.42 | 1.49 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.90 | 0.92 | 0.94 | 0.79 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.25 | 1.09 | 0.50 | 0.51 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.69 | 9.85 | 2.83 | 3.45 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 64.05 | 47.02 | 71.51 | 64.98 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (11.79) | (10.92) | (7.55) | (0.72) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 52.26 | 36.10 | 63.96 | 64.26 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (405.71) | (326.03) | (361.22) | (219.22) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 239.58 | 104.89 | 105.19 | 105.49 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 133.30 | (117.16) | (337.84) | (422.40) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 530.76 | 571.25 | 610.70 | 872.13 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.09% | 0.95% | 0.84% | 0.84% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡ | 7.36% | 9.89% | 15.43% | 13.38% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.67% | 10.83% | 9.36% | 8.97% | — | — | — |
ROE
|
CNB Financial Corporation (CCNE), a resilient regional bank serving Pennsylvania communities, has delivered impressive long-term growth, with revenue surging 226% from $112 million in 2016 to a 2024 peak of $365 million through organic expansion, branch growth, and acquisitions. Despite navigating COVID-19, rate volatility, and the 2023 banking turmoil unscathed—bolstered by a fortress-like balance sheet with 189% equity growth, negative net debt, and low leverage—the company faces near-term headwinds. Revenue per employee doubled to $461,000, profitability metrics like ROE held steady at 9-14%, and free cash flow per share rose 156%, underscoring operational efficiency even as margins compressed from higher funding costs.
Analysts forecast a sharp 34% revenue dip to $241 million in 2025 amid normalizing loan demand and deposit competition, followed by a robust 37% rebound in 2026 and EPS climbing 88% to $3.93 by 2027, signaling cyclical recovery as rates ease. The stock trades near historical highs at a modest 4% premium to mean analyst targets, with attractive forward P/E compressing to 7.6x by 2027 and undervalued multiples like 0.94x P/B and 2.8x EV/FCF. Insider activity shows net selling but bullish CEO and Director buys in late 2025-early 2026, hinting at confidence in the inflection.
For patient investors, CCNE offers 20-30% EPS upside potential by 2027, supported by M&A flexibility, low CRE exposure, and dividend sustainability—yet balanced against risks like prolonged high rates, deposit outflows, and regulatory pressures in a consolidating sector.
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