ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is CNB Financial Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 10.61%
2
Strong Long Term Fundamental Strength with a 7.96% CAGR growth in Net Profits
3
Flat results in Jun 25
4
With ROA of 0.65%, it has a fair valuation with a 0.74 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -8.39%, its profits have risen by 0.9% ; the PEG ratio of the company is 8.5
5
High Institutional Holdings at 63.29%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.43% over the previous quarter.
6
Below par performance in long term as well as near term
- Along with generating -8.39% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to CNB Financial Corp. (Pennsylvania) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CNB Financial Corp. (Pennsylvania) for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
CNB Financial Corp. (Pennsylvania)
-3.27%
1.38
27.52%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.10%
EBIT Growth (5y)
8.52%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
29.75%
Pledged Shares
0
Institutional Holding
63.29%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.74
EV to EBIT
0.12
EV to EBITDA
0.11
EV to Capital Employed
0.04
EV to Sales
0.02
PEG Ratio
8.52
Dividend Yield
NA
ROCE (Latest)
35.08%
ROE (Latest)
8.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 68.52 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 52.2 MM
CASH AND EQV(HY)
Highest at USD 157.46 MM
NET SALES(Q)
Highest at USD 85.77 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for CNB Financial Corp. (Pennsylvania)
Operating Cash Flow
Highest at USD 68.52 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.61%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 52.2 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 85.77 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 157.46 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
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