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Intrinsic value of CNB Financial Corporation (CCNE)

Previous Close$24.73
Intrinsic Value
Upside potential
Previous Close
$24.73
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh89.92 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides trust 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 small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of April 21, 2020, the company operated a private banking division; and 42 full-service offices in Pennsylvania, Ohio, and New York. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %18.7NaN
Revenue, $193NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m122NaN
Operating income, $m71NaN
EBITDA, $m66NaN
Interest expense (income), $mNaN
Earnings before tax, $m66NaN
Tax expense, $m13NaN
Net income, $m53NaN

BALANCE SHEET

Cash and short-term investments, $m732NaN
Total assets, $m5329NaN
Adjusted assets (=assets-cash), $m4597NaN
Average production assets, $m124NaN
Working capital, $m-390NaN
Total debt, $m126NaN
Total liabilities, $m4886NaN
Total equity, $m443NaN
Debt-to-equity ratio0.284NaN
Adjusted equity ratio-0.062NaN

CASH FLOW

Net income, $m53NaN
Depreciation, amort., depletion, $m-4NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m59NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-6NaN
Free cash flow, $m65NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-390
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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