CCNE PEER ANALYSIS

CNB Financial Corporation — metric-by-metric comparison with peers and the industry median

CCNECNB Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CCNEIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CCNE	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
P/E	12.03	21.63	13.24	116.70	9.10	2.96●	12.88
P/B	1.11	3.42	1.39	0.68●	1.40	0.71	1.28
EV/EBITDA	12.21	2.96	14.73	306.43	-8.48●	2.20	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CCNE	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Current Ratio	0.67●	—	0.12	0.01	0.25	—	0.31
Debt/Equity	37.2%	0.0%●	209.8%	744.5%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	2.49	-13.41	5.39	280.57	-14.68●	-0.47	-0.58

Profitability
Metric	CCNE	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Net Margin	18.7%	14.2%	25.9%	1.4%	20.1%	54.9%●	20.6%
ROE	10.8%	17.5%	10.6%	1.0%	14.9%	27.4%●	10.9%
ROA	1.1%	1.2%	0.5%	0.1%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CCNE	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	52.8%●	8.1%	16.2%	-80.9%	16.0%	-1.3%	19.4%
Div. Yield	2.1%	—	3.2%	4.7%	4.8%●	—	2.5%
Payout	29.8%	—	—	335.1%	—	—	31.4%

Valuation
Metric	CCNE	MBWM	BFST	TRST	CPF	HBNC	Ind. Median
P/E	12.03	10.77●	10.93	15.49	12.55	—	12.88
P/B	1.11	1.34	1.00●	1.46	1.70	1.44	1.28
EV/EBITDA	12.21	14.79	1.36●	11.69	1.92	—	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CCNE	MBWM	BFST	TRST	CPF	HBNC	Ind. Median
Current Ratio	0.67	0.22	0.17	0.49	0.14	1.48●	0.31
Debt/Equity	37.2%	95.4%	38.8%	22.2%	17.1%●	54.6%	38.0%
NetDebt/EBITDA	2.49	5.89	-6.73	1.14	-7.01●	-1.71	-0.58

Profitability
Metric	CCNE	MBWM	BFST	TRST	CPF	HBNC	Ind. Median
Net Margin	18.7%	24.2%●	17.5%	22.4%	22.2%	-154.3%	20.6%
ROE	10.8%	13.7%	10.0%	9.3%	14.0%●	-20.1%	10.9%
ROA	1.1%	1.4%●	1.1%	1.0%	1.1%	-2.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CCNE	MBWM	BFST	TRST	CPF	HBNC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	52.8%●	18.5%	26.1%	23.9%	38.2%	—	19.4%
Div. Yield	2.1%	2.6%	1.9%	2.7%	2.9%	3.1%●	2.5%
Payout	29.8%	26.9%	25.3%	43.6%	36.8%	-20.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.