Market Price

26.74 

0.18 0.7%

as of Jun 14 '19

52 Week Range:

21.43 32.86


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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. It 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. The company also provides trust 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, it 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 13, 2018, the company operated 31 full-service offices in Pennsylvania and northeast Ohio; 7 full-service offices and 1 loan production office in central Ohio; and 3 full-service offices in northwest New York. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 7.28
7.92
8.96
10.54
11.65
9.06
12.61
13.87
14.89
16.01
16.73
growth rate 8.8% 13.1% 17.6% 10.5% -22.2% 39.2% 10.0% 7.4% 7.5% 4.5%
Earnings BIT 6.50
10.87
14.79
20.63
23.55
23.02
36.38
34.46
32.27
44.31
growth rate 67.2% 36.1% 39.5% 14.2% -2.3% 58.0% -5.3% -6.4% 37.3%
Avg.PE 18.32
16.29
13.89
12.82
11.86
14.66
10.96
11.75
17.25
18.78
16.75
growth rate -11.1% -14.7% -7.7% -7.5% 23.6% -25.2% 7.2% 46.8% 8.9% -10.8%
ROA 0.56
0.78
0.88
1.00
1.01
0.85
1.06
0.99
0.84
0.89
1.12
growth rate 39.3% 12.8% 13.6% 1.0% -15.8% 24.7% -6.6% -15.2% 6.0% 25.8%
ROE 7.95
12.91
12.64
12.51
12.32
10.70
13.00
11.31
9.87
10.41
13.25
growth rate 62.4% -2.1% -1.0% -1.5% -13.2% 21.5% -13.0% -12.7% 5.5% 27.3%
ROIC 11.44
12.01
12.10
12.06
11.41
9.28
10.71
growth rate 5.0% 0.8% -0.3% -5.4% -18.7% 15.4%
Leverage 16.27
16.74
12.89
12.15
12.20
12.92
11.61
11.32
12.15
11.35
12.26
growth rate 2.9% -23.0% -5.7% 0.4% 5.9% -10.1% -2.5% 7.3% -6.6% 8.0%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 14.29
12.98
26.04
18.66
17.93
23.26
20.44
growth rate -9.2% 100.6% -28.3% -3.9% 29.7% -12.1%
Acct.Payable 21.39
24.29
22.49
1,847.08
1,815.05
2,017.52
2,167.82
2,610.79
growth rate 13.5% -7.4% 8,111.4% -1.7% 11.2% 7.5% 20.4%
Cur.Assets 41.79
41.18
51.06
53.46
65.46
growth rate -1.5% 24.0% 4.7% 22.5%
Total Assets 1,016.50
1,161.60
1,413.50
1,602.21
1,773.08
2,131.29
2,189.21
2,285.14
2,573.82
2,768.77
3,221.52
growth rate 14.3% 21.7% 13.4% 10.7% 20.2% 2.7% 4.4% 12.6% 7.6% 16.4%
Cash 31.20
22.40
37.40
687.80
780.56
727.56
27.88
25.81
27.73
33.90
45.31
growth rate -28.2% 67.0% 1,739.1% 13.5% -6.8% -96.2% -7.4% 7.5% 22.2% 33.7%
Inventory 0.81
0.65
1.02
0.71
0.42
growth rate -18.9% 55.2% -30.1% -41.1%
Cur.Liabilities 1,904.81
1,932.96
2,169.24
2,203.10
2,659.90
growth rate 1.5% 12.2% 1.6% 20.7%
Liabilities 954.10
1,092.20
1,303.90
1,470.32
1,627.72
1,966.38
2,000.67
2,083.22
2,362.04
2,524.86
2,958.69
growth rate 14.5% 19.4% 12.8% 10.7% 20.8% 1.7% 4.1% 13.4% 6.9% 17.2%
LT Debt 2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
76.34
124.86
163.55
293.56
268.18
growth rate 0.1% 0.1% 0.1% 0.1% 0.1% -96.2% 63.6% 31.0% 79.5% -8.7%
Equity 62.50
69.40
109.60
131.89
145.36
164.91
188.55
201.91
211.78
243.91
262.83
growth rate 11.0% 57.9% 20.3% 10.2% 13.5% 14.3% 7.1% 4.9% 15.2% 7.8%
Common Shares 9.00
9.00
11.00
12.00
12.00
13.00
14.00
14.00
14.00
15.00
15.00
growth rate 0.0% 22.2% 9.1% 0.0% 8.3% 7.7% 0.0% 0.0% 7.1% 0.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 5.10
0.80
1.20
1.71
2.02
5.34
6.43
6.75
10.13
5.22
3.07
growth rate -84.3% 50.0% 42.1% 18.2% 164.7% 20.4% 5.1% 50.0% -48.5% -41.2%
Cash Dividends 5.50
5.70
6.90
8.13
8.21
8.57
9.52
9.52
9.55
10.09
10.24
growth rate 3.6% 21.1% 17.8% 1.1% 4.4% 11.1% -0.1% 0.3% 5.7% 1.4%
Cash From OA 13.60
14.90
11.10
30.39
27.56
33.61
28.92
33.64
26.76
30.76
43.77
growth rate 9.6% -25.5% 173.7% -9.3% 22.0% -14.0% 16.3% -20.4% 14.9% 42.3%
FCF per Share 0.98
1.55
0.86
2.11
2.06
1.93
2.18
1.87
-1.41
4.00
2.33
growth rate 58.2% -44.5% 145.4% -2.4% -6.3% 13.0% -14.2% -100.0% 100.0% -41.8%
Sale Purchase of Stock 1.45
0.95
0.74
0.59
19.29
19.29
19.29
growth rate -34.4% -22.2% -20.6% 3,186.9% 0.0% 0.0%
FCF 8.00
13.00
9.00
29.00
26.00
28.00
22.00
27.00
17.00
26.00
41.00
growth rate 62.5% -30.8% 222.2% -10.3% 7.7% -21.4% 22.7% -37.0% 52.9% 57.7%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 39.10
45.40
51.70
76.43
80.79
85.18
87.24
89.24
94.83
105.37
119.57
growth rate 16.1% 13.9% 47.8% 5.7% 5.4% 2.4% 2.3% 6.3% 11.1% 13.5%
Op.Income 6.50
10.90
14.80
15.10
17.14
16.68
34.89
33.19
33.75
37.74
42.52
growth rate 67.7% 35.8% 2.1% 13.5% -2.7% 109.2% -4.9% 1.7% 11.8% 12.7%
IBT 6.50
10.87
14.79
20.63
23.55
23.02
32.39
30.49
27.71
36.25
40.23
growth rate 67.2% 36.1% 39.5% 14.1% -2.2% 40.7% -5.9% -9.1% 30.8% 11.0%
Net Income 5.20
8.50
11.30
15.10
17.14
16.68
23.07
22.20
20.54
23.86
33.72
growth rate 63.5% 32.9% 33.7% 13.5% -2.7% 38.3% -3.8% -7.5% 16.2% 41.3%
EPS 0.61
0.98
1.06
1.23
1.38
1.29
1.60
1.54
1.42
1.57
2.21
growth rate 60.7% 8.2% 16.0% 12.2% -6.5% 24.0% -3.8% -7.8% 10.6% 40.8%
Gross Profit 87.24
89.24
94.83
105.37
119.57
growth rate 2.3% 6.3% 11.1% 13.5%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT 10.58
growth rate
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 24.23
growth rate
Acct.Payable 2,210.06
2,401.57
2,522.38
2,610.79
2,657.36
growth rate 8.7% 5.0% 3.5% 1.8%
Cur.Assets 47.32
61.61
57.57
65.46
79.64
growth rate 30.2% -6.6% 13.7% 21.7%
Total Assets 2,908.88
3,009.63
3,129.31
3,221.52
3,287.32
growth rate 3.5% 4.0% 3.0% 2.0%
Cash 26.45
40.18
35.75
45.31
53.93
growth rate 51.9% -11.0% 26.8% 19.0%
Inventory 0.42
0.42
0.47
growth rate 0.0% 13.4%
Cur.Liabilities 2,301.93
2,402.16
2,525.22
2,659.90
2,659.50
growth rate 4.4% 5.1% 5.3% 0.0%
Liabilities 2,664.07
2,759.74
2,874.94
2,958.69
3,012.37
growth rate 3.6% 4.2% 2.9% 1.8%
LT Debt 336.01
328.43
320.83
268.18
327.73
growth rate -2.3% -2.3% -16.4% 22.2%
Equity 244.81
249.89
254.38
262.83
274.96
growth rate 2.1% 1.8% 3.3% 4.6%
Common Shares
growth rate
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 0.40
0.50
0.48
1.70
2.40
growth rate 25.7% -4.4% 255.4% 41.5%
Cash Dividends 2.52
2.52
2.60
2.59
2.59
growth rate 0.0% 3.0% -0.3% 0.0%
Cash From OA 4.14
13.79
9.55
16.28
1.39
growth rate 233.0% -30.8% 70.5% -91.4%
Sale Purchase of Stock -0.45
growth rate
FCF 3.75
13.30
9.07
14.59
-1.01
growth rate 255.0% -31.8% 60.8% -100.0%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 27.22
29.53
31.72
31.11
32.61
growth rate 8.5% 7.4% -1.9% 4.8%
Op.Income 8.77
10.61
11.51
11.64
12.02
growth rate 21.0% 8.4% 1.2% 3.2%
IBT 8.22
9.98
10.92
11.10
11.43
growth rate 21.5% 9.4% 1.7% 3.0%
Net Income 7.10
8.44
9.24
8.95
9.47
growth rate 18.9% 9.4% -3.2% 5.9%
EPS
growth rate
Gross Profit 27.22
29.53
31.72
31.11
32.61
growth rate 8.5% 7.4% -1.9% 4.8%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (86.56)

YOY Growth Grade:

C (59.38)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.75 15.58 11.55
EPS / Growth 6.0% 1.72 13.6%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 6.0% 10.2% 10.2%
Future PE 11.55 16.23 16.23
Future EPS 3.06 4.53 4.53
Value Price
MOS %
8.75
-67.3%
18.19
-32.0%
18.19
-32.0%
MOS Price 4.37 9.09 9.09
IRT 10.86 9.19 9.19

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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