CNB Financial Valuation

CCNE Stock  USD 20.39  0.26  1.29%   
At this time, the firm appears to be undervalued. CNB Financial owns a latest Real Value of $21.58 per share. The recent price of the firm is $20.39. Our model approximates the value of CNB Financial from analyzing the firm fundamentals such as shares outstanding of 20.69 M, and Return On Asset of 0.0103 as well as examining its technical indicators and probability of bankruptcy. In general, most investors favor purchasing undervalued equities and exiting overvalued equities since, in the future, asset prices and their ongoing real values will grow together.
Price Book
0.811
Enterprise Value
399.5 M
Price Sales
1.9174
Forward PE
8.3893
Trailing PE
7.8941
Undervalued
Today
20.39
Please note that CNB Financial's price fluctuation is very steady at this time. Calculation of the real value of CNB Financial is based on 3 months time horizon. Increasing CNB Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Our valuation method for CNB Financial is useful when determining the fair value of the CNB stock, which is usually determined by what a typical buyer is willing to pay for full or partial control of CNB Financial. Since CNB Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of CNB Stock. However, CNB Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  20.39 Real  21.58 Target  22.5 Hype  20.44 Naive  19.86
The real value of CNB Stock, also known as its intrinsic value, is the underlying worth of CNB Financial Company, which is reflected in its stock price. It is based on CNB Financial's financial performance, assets, liabilities, growth prospects, management team, or industry conditions. The intrinsic value of CNB Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence CNB Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
21.58
Real Value
23.53
Upside
Estimating the potential upside or downside of CNB Financial helps investors to forecast how CNB stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CNB Financial more accurately as focusing exclusively on CNB Financial's fundamentals will not take into account other important factors:
Earnings
Estimates (0)
LowProjectedHigh
0.470.500.53
Details
Hype
Prediction
LowEstimatedHigh
18.4920.4422.39
Details
Potential
Annual Dividend
LowForecastedHigh
0.450.470.49
Details
2 Analysts
Consensus
LowTarget PriceHigh
20.4822.5024.98
Details

CNB Financial Investments

(413.78 Million)

CNB Financial Valuation Ratios as Compared to Competition

Comparative valuation techniques use various fundamental indicators to help in determining CNB Financial's current stock value. Our valuation model uses many indicators to compare CNB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CNB Financial competition to find correlations between indicators driving CNB Financial's intrinsic value. More Info.
CNB Financial is number one stock in price to sales category among related companies. It is number one stock in five year return category among related companies reporting about  1.44  of Five Year Return per Price To Sales. . Comparative valuation analysis is a catch-all model that can be used if you cannot value CNB Financial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for CNB Financial's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the CNB Financial's earnings, one of the primary drivers of an investment's value.
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates CNB Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in CNB Financial and how it compares across the competition.

About CNB Financial Valuation

The stock valuation mechanism determines the current worth of CNB Financial on a weekly basis. We use both absolute as well as relative valuation methodologies to arrive at the intrinsic value of CNB Financial. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of CNB Financial based exclusively on its fundamental and basic technical indicators. By analyzing CNB Financial's financials, quarterly and monthly indicators, and its related drivers such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of CNB Financial's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of CNB Financial. We calculate exposure to CNB Financial's market risk, different technical and fundamental indicators, relevant financial multiples and ratios, and then comparing them to CNB Financial's related companies.
Last ReportedProjected for 2024
Gross Profit327 M343.4 M
Pretax Profit Margin 0.22  0.21 
Operating Profit Margin 0.54  0.51 
Net Profit Margin 0.18  0.17 
Gross Profit Margin 0.90  0.79 

CNB Financial Quarterly Retained Earnings

345.94 Million

8 Steps to conduct CNB Financial's Valuation Analysis

Company's valuation is the process of determining the worth of any company in monetary terms. It estimates CNB Financial's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct CNB Financial's valuation analysis, follow these 8 steps:
  • Gather financial information: Obtain CNB Financial's financial statements, including balance sheets, income statements, and cash flow statements.
  • Determine CNB Financial's revenue streams: Identify CNB Financial's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
  • Analyze market data: Research CNB Financial's industry and market trends, including the size of the market, growth rate, and competition.
  • Establish CNB Financial's growth potential: Evaluate CNB Financial's management, business model, and growth potential.
  • Determine CNB Financial's financial performance: Analyze its financial statements to assess its historical performance and future potential.
  • Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
  • Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate CNB Financial's estimated value.
  • Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Note: This is a general outline, and different approaches and methods may be used depending on the type and size of the company being valued. We also recomment to seek professional assistance to ensure accuracy.
CNB Financial's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether CNB Financial's value is low or high relative to the company's performance and growth projections. Determining the market value of CNB Financial can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of CNB Financial represents a small ownership stake in the entity. As a stockholder of CNB, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

CNB Financial Dividends Analysis For Valuation

At present, CNB Financial's Dividend Payout Ratio is projected to slightly decrease based on the last few years of reporting. The current year's Dividend Paid And Capex Coverage Ratio is expected to grow to 8.76, whereas Dividends Paid is projected to grow to (18 M). . At present, CNB Financial's Retained Earnings Total Equity is projected to increase significantly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 15.22, whereas Earning Assets are forecasted to decline to about 589.8 M.
Last ReportedProjected for 2024
Dividends Paid-19 M-18 M
Dividend Yield 0.04  0.04 
Dividend Payout Ratio 0.33  0.55 
Dividend Paid And Capex Coverage Ratio 5.86  8.76 
There are various types of dividends CNB Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of CNB shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from CNB Financial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When CNB pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of CNB Financial by the value of the dividends paid out.

CNB Financial Growth Indicators

Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines. Note, investing in growth stocks can be very risky. If the company such as CNB Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding20.9 M
Quarterly Earnings Growth Y O Y-0.128
Forward Price Earnings8.3893

CNB Financial Current Valuation Indicators

Valuation refers to the process of determining the present value of CNB Financial and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value CNB we look at many different elements of the entity such as CNB's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation. CNB Financial's valuation analysis is also a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final CNB Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as CNB Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use CNB Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes CNB Financial's worth.
When determining whether CNB Financial is a strong investment it is important to analyze CNB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact CNB Financial's future performance. For an informed investment choice regarding CNB Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CNB Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors.
For information on how to trade CNB Stock refer to our How to Trade CNB Stock guide.
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Is CNB Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of CNB Financial. If investors know CNB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about CNB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.13)
Dividend Share
0.7
Earnings Share
2.55
Revenue Per Share
10.389
Quarterly Revenue Growth
(0.02)
The market value of CNB Financial is measured differently than its book value, which is the value of CNB that is recorded on the company's balance sheet. Investors also form their own opinion of CNB Financial's value that differs from its market value or its book value, called intrinsic value, which is CNB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because CNB Financial's market value can be influenced by many factors that don't directly affect CNB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between CNB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if CNB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, CNB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.