| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial intelligence (AI) | 21.25 | n/a |
| Intrinsic value (DCF) | 22.23 | n/a |
| Graham-Dodd Method | 26.47 | n/a |
| Graham Formula | 50.85 | n/a |
CNB Financial Corporation (NASDAQ: CCNEP) is a regional bank holding company headquartered in Clearfield, Pennsylvania, operating through its subsidiary CNB Bank. Founded in 1865, CNB provides a comprehensive suite of banking and financial services, including deposit accounts, commercial and consumer lending, wealth management, and insurance products. The bank serves individual, business, governmental, and institutional clients across Pennsylvania, Ohio, New York, and Virginia through 45 full-service branches, a private banking division, and loan production offices. CNB Financial Corporation differentiates itself with a strong regional presence, personalized customer service, and a diversified revenue stream from both traditional banking and wealth management services. With a market capitalization of approximately $508 million, the company maintains a conservative risk profile (beta of 0.63) while delivering steady profitability in the competitive regional banking sector. CNB's long operating history and community-focused approach position it as a stable player in the Northeastern U.S. financial services market.
CNB Financial Corporation presents a conservative investment opportunity in the regional banking sector, with moderate growth potential and below-market volatility (beta 0.63). The company demonstrates stable fundamentals with $222M in revenue and $54.6M net income (2.83 diluted EPS) in its latest reporting period, supported by $715M in operating cash flow. Investors may be attracted to the 5.3% dividend yield (based on $1.78 annual dividend) and the bank's strong liquidity position ($443M cash). However, the investment carries typical regional bank risks including interest rate sensitivity, competitive pressure from larger national banks, and geographic concentration in the Northeastern U.S. The company's small market cap may limit institutional interest, but its long operating history (founded 1865) and diversified service offerings provide stability.
CNB Financial Corporation operates in the highly competitive regional banking sector, where it competes against both larger national banks and smaller community banks. The company's primary competitive advantage lies in its deep regional knowledge and personalized service model across its Pennsylvania-centric footprint, which allows for strong customer relationships in its core markets. CNB's diversified revenue streams (combining traditional banking with wealth management) provide stability compared to pure-play commercial banks. However, the company faces significant competition from larger regional players with greater scale advantages in technology investment and lending capacity. CNB's conservative balance sheet (low beta of 0.63) positions it well for economic downturns but may limit growth during expansionary periods. The bank's physical branch network provides local market penetration but requires ongoing real estate investment ($16.3M capital expenditures) in an increasingly digital banking environment. CNB's wealth management services offer higher-margin revenue but compete with both bank-affiliated and independent wealth managers. The company's ability to maintain net interest margins in a rising rate environment will be critical for sustaining profitability against larger competitors with more diversified funding sources.