CNB Financial Corporation (CCNE) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of CNB Financial Corporation stock $20.88, price $35.78, that is 41.6% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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CNB Financial Corporation
CCNE · USOur calculation puts a fair price 42% below what the stock costs today.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $15.11 – $36.78 · fair‑value band $19.90 – $23.04 · the $35.78 price screens above the $20.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various banking products and services for individual, business, governmental, and institutional customers.
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The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as other specialized financial services.
It also provides private banking services; and wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services.
In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and offers small balance unsecured loans, and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business.
The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.
Stock analysis
CNB Financial Corporation (CCNE) currently trades at $35.78, while our model-based Fair Value estimate is $20.88, 42% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $28.85 per share, and 0 of the 6 models we run sit above the $35.78 price.
Bear case: the Dividend Discount group reads lowest at $11.31, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $19.90 (bear) to $23.04 (bull), the price of $35.78 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
CNB Financial Corporation reported revenue of $405M in FY2025 versus $209M in FY2021, a compound +17.9%/yr. Reported net income was $66.1M in FY2025, compounding +3.5%/yr from FY2021.
Key figures
Market cap $1.1B Small · P/E ratio 9.1 · P/S ratio 3.12 · EPS (TTM) $3.92 · Dividend yield 2.1% · Net margin 30.8% · Return on equity 11.9% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 52% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −42%, CCNE screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $38,907, on Aug 5, 2026. Over the same period, one person sold shares worth $3,162.
- BuyMichael D PeduzziPresident & CEO, Director3× since Jan 30, 2026: 3,000 shares, avg. $31.28$93,827Aug 5, 2026
- SaleRobin MinkEVP/Chief TM Officer2× since Feb 23, 2026: 248 shares, avg. $28.88$7,151Jun 4, 2026
- SaleDeborah Dick PontzerDirector244 shares at $30.55$7,454Apr 30, 2026
- SaleCarla M. HigginsSVP/Strategic Project Manager1,300 shares at $30.45$39,585Apr 27, 2026
- BuyNicholas N. Scott Jr.Director375 shares at $27.05$10,144Mar 13, 2026
- SaleSteven R ShillingEVP/Chief Wealth Mngt Officer2× since Jan 30, 2026: 908 shares, avg. $27.70$25,152Feb 23, 2026
- SaleMartin T. GriffithSEVP/Chief Revenue Officer535 shares at $27.70$14,820Feb 23, 2026
- SaleAngela D. WilcoxsonEVP/Chief Commercial Banking2× since Jan 30, 2026: 943 shares, avg. $27.70$26,121Feb 23, 2026
- BuyJeffrey S PowellDirector975 shares at $27.28$26,598Jan 30, 2026
- SaleGary S OlsonDirector25,000 shares at $27.75$693,750Dec 12, 2025
Plus 1 more entries from the last 12 months.
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
CCNE screens overvalued: fair value 42% below the price. Compare with China Merchants Bank Co →
Compare CNB Financial Corporation with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CCNE |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CCNE |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CCNE |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CCNE |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CCNE |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CCNE |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs CCNE |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CCNE |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CCNE |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CCNE |
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Frequently asked questions
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Key figures of CNB Financial Corporation
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