CNB Financial Corporation Common Stock (CCNE)

FairStock Score: 73/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like CNB Financial first for durability and price. At the close on 2026-10-13 it sold for $33.78, a market cap near $1.0B. FairStock's calculations put it at 10.43 times earnings and 1.16 times book, with a 12.42% return on equity and a 2.25% dividend yield. That is not expensive, but a bank earning low-teens returns on equity is not a wide-moat compounder either; its moat is local deposit relationships, underwriting discipline and customer stickiness, not a franchise like a major money-center bank. The filed figures show net income of $28.3M and diluted EPS of $0.91 in fiscal Q2 2026, up from $27.0M and $0.88 in fiscal Q1 2026. For FY2025, net income was $66.1M and EPS $2.49, against $54.6M and $2.39 in FY2024. But FY2023 was $58.0M and $2.55, so the annual record is uneven. The computed Lynch category is STALWART, based on 15.1% five-year profit growth, and Piotroski is 7/9, which suggests decent financial momentum. The critical unknown is credit. The data lacks CET1, net interest margin, nonperforming loans, charge-offs and reserve coverage; a combined ratio is not a bank measure and is also absent. For a bank, those matter more than a low P/E or PEG. I would treat the stock as reasonably valued, not a giveaway, and demand evidence that the recent profit improvement is not coming from taking hidden credit or rate risk.

In plain English: CNB Financial is a small regional bank that takes deposits and makes loans to individuals and businesses. It has been profitable, and recent quarterly earnings have been steady, while the shares look reasonably cheap compared with the company's profits and accounting value. Still, the data is missing key banking safety measures, so it is hard to call the business clearly strong or weak.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer