Is CNB Financial Corp. (Pennsylvania) overvalued or undervalued?

As of 31 October 2025, the valuation grade for CNB Financial Corp. (Pennsylvania) moved from fair to expensive. The company appears overvalued based on its current financial metrics. The P/E ratio stands at 9, while the industry average is significantly higher at 13.93, indicating a potential mispricing. Additionally, the Price to Book Value is 0.74, and the EV to EBITDA ratio is 0.11, both suggesting that the stock may not be adequately reflecting its intrinsic value compared to peers.
In comparison to its peers, Metropolitan Bank Holding Corp. has a P/E ratio of 12.12, and Camden National Corp. has a P/E of 11.68, both of which are higher than CNB Financial's ratio. This disparity reinforces the notion that CNB Financial is overvalued. Over the past year, CNB Financial has returned -3.07%, significantly underperforming the S&P 500's return of 19.89%, further supporting the conclusion that the stock is not a favorable investment at its current price.