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1. Company Snapshot

1.a. 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 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 small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment.As of February 8, 2022, the company operated a private banking division; three loan production office; one drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York, and Virginia.CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

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1.b. Last Insights on CCNE

The recent 3 months performance of CNB Financial Corporation was negatively impacted by a lack of earnings beat consistency. Despite beating Q4 2024 earnings estimates, the company's Q1 2025 earnings only marginally exceeded expectations. Additionally, the announcement of a merger with ESSA Bancorp, Inc. and the proposal to issue common stock may have created uncertainty among investors. Furthermore, the company's quarterly dividend payments, while positive, may not have been enough to offset the negative sentiment surrounding the merger proposal.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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CNB Financial Corporation $CCNE Stock Holdings Lifted by Creative Planning

Dec -02

Source: defenseworld.net

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CNB Financial Corporation $CCNE Stock Position Reduced by Campbell & CO Investment Adviser LLC

Nov -17

Source: defenseworld.net

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CNB Financial Corporation $CCNE Shares Purchased by Connor Clark & Lunn Investment Management Ltd.

Nov -17

Source: defenseworld.net

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CNB Financial Corporation Announces Quarterly Dividend for Common Stock

Nov -12

Source: globenewswire.com

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CNB Financial (CCNE) Surpasses Q3 Earnings and Revenue Estimates

Oct -30

Source: zacks.com

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CNB Financial Corporation Announces Quarterly Dividend for Series A Preferred Stock and Related Depositary Shares Distribution

Oct -29

Source: globenewswire.com

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CNB Financial Corporation Announces Quarterly Dividend for Common Stock

Aug -12

Source: globenewswire.com

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CNB (CCNE) Could Find a Support Soon, Here's Why You Should Buy the Stock Now

Aug -01

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.77%)

6. Segments

Banking and Related Activities

Expected Growth: 4.77%

CNB Financial Corporation's 4.77% growth in Banking and Related Activities is driven by increasing loan demand, expansion of digital banking channels, and strategic acquisitions. Additionally, a favorable interest rate environment, cost savings initiatives, and a strong capital position have contributed to the growth.

7. Detailed Products

Consumer Banking

Provides personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Commercial Banking

Offers financial solutions for businesses, including cash management, commercial lending, and treasury management.

Wealth Management

Provides investment and wealth management services, including investment advice, portfolio management, and retirement planning.

Mortgage Banking

Offers mortgage lending services, including residential and commercial mortgage loans, refinancing, and home equity loans.

Treasury Management

Provides cash management and treasury management services, including account management, payment processing, and fraud prevention.

Insurance Services

Offers insurance products, including life insurance, long-term care insurance, and annuities.

8. CNB Financial Corporation's Porter Forces

Forces Ranking

Threat Of Substitutes

CNB Financial Corporation operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand presence and customer loyalty programs help to mitigate the threat of substitutes.

Bargaining Power Of Customers

CNB Financial Corporation's customers have significant bargaining power due to the availability of alternative banking services. The company's large customer base and diverse product offerings help to balance this power.

Bargaining Power Of Suppliers

CNB Financial Corporation has a diverse supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position and long-term relationships with suppliers also help to mitigate supplier power.

Threat Of New Entrants

The banking industry has significant barriers to entry, including regulatory hurdles and high capital requirements. CNB Financial Corporation's established brand and extensive branch network also make it difficult for new entrants to gain traction.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. CNB Financial Corporation's strong brand and diverse product offerings help the company to compete effectively, but the intensity of rivalry remains high.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 15.84%
Debt Cost 7.20%
Equity Weight 84.16%
Equity Cost 7.76%
WACC 7.67%
Leverage 18.83%

11. Quality Control: CNB Financial Corporation passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Timberland Bancorp

A-Score: 6.7/10

Value: 5.7

Growth: 5.9

Quality: 7.2

Yield: 7.0

Momentum: 6.5

Volatility: 7.7

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Midland States Bancorp

A-Score: 6.5/10

Value: 9.1

Growth: 5.6

Quality: 6.3

Yield: 10.0

Momentum: 1.5

Volatility: 6.3

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Peoples Bancorp

A-Score: 6.4/10

Value: 6.7

Growth: 5.4

Quality: 6.0

Yield: 8.0

Momentum: 4.0

Volatility: 8.3

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CNB Financial

A-Score: 6.1/10

Value: 6.7

Growth: 4.9

Quality: 6.7

Yield: 6.0

Momentum: 5.0

Volatility: 7.3

1-Year Total Return ->

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Premier Financial

A-Score: 5.4/10

Value: 5.1

Growth: 3.2

Quality: 5.5

Yield: 6.0

Momentum: 7.0

Volatility: 5.7

1-Year Total Return ->

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Evans Bancorp

A-Score: 5.0/10

Value: 4.7

Growth: 1.9

Quality: 6.0

Yield: 6.0

Momentum: 5.0

Volatility: 6.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

27.86$

Current Price

27.86$

Potential

-0.00%

Expected Cash-Flows