ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is CNB Financial Corp. (Pennsylvania) ?
1
High Profitability with a Net Interest Margin of 11.86%
2
Strong Long Term Fundamental Strength with a 12.66% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- NII(Q) Highest at USD 74.28 MM
- CASH AND EQV(HY) Highest at USD 157.97 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 92.41%
4
With ROA of 0.67%, it has a fair valuation with a 1.12 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 21.95%, its profits have risen by 5% ; the PEG ratio of the company is 2.5
Real-Time Research ReportHow much should you buy?
- 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)
21.95%
1.60
28.27%
S&P 500
20.78%
1.08
19.33%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.61%
EBIT Growth (5y)
11.66%
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
28.73%
Pledged Shares
0
Institutional Holding
62.88%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.12
EV to EBIT
5.78
EV to EBITDA
5.09
EV to Capital Employed
1.28
EV to Sales
1.05
PEG Ratio
2.53
Dividend Yield
NA
ROCE (Latest)
22.21%
ROE (Latest)
8.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
NII(Q)
Highest at USD 74.28 MM
CASH AND EQV(HY)
Highest at USD 157.97 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 92.41%
NET SALES(Q)
Highest at USD 115.55 MM
OPERATING PROFIT(Q)
Highest at USD 48.8 MM
OPERATING PROFIT MARGIN(Q)
Highest at 42.23 %
PRE-TAX PROFIT(Q)
Highest at USD 49.57 MM
NET PROFIT(Q)
Highest at USD 39.92 MM
EPS(Q)
Highest at USD 1.11
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 38.88 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 16.25%
Here's what is working for CNB Financial Corp. (Pennsylvania)
Pre-Tax Profit
At USD 49.57 MM has Grown at 166.09%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 39.92 MM has Grown at 166.69%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 74.28 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 115.55 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 115.55 MM has Grown at 38.09%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 48.8 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 42.23 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 49.57 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 39.92 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.11
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 157.97 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 92.41%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for CNB Financial Corp. (Pennsylvania)
Operating Cash Flow
Lowest at USD 38.88 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 16.25%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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