Also trades as: CCNEP (NASDAQ) · $vol 0M

$30.65

-0.16 (-0.52%)

Weekly Expected Move ±3.7%

$27 $28 $29 $30 $32

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 60 · $908.1M mcap · 29M float · 0.530% daily turnover · Short 65% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

49.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 13.6% · 5Y Avg: -919.8%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CCNE shows a Weak competitive edge (49.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 13.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$34

Low

$34

Avg Target

$34

High

Based on 1 analyst since Apr 20, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 2Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$34.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-15	D.A. Davidson	Jake Civiello	Initiated	$34	—	+11.9%	$30.39
2026-02-11	Stephens	—	Initiated	$35	—	+21.8%	$28.73

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. CCNE receives an overall rating of B+. Strongest factors: DCF (4/5). Areas of concern: D/E (2/5).

Rating Change History

Date	From	To
2026-05-06	A-	B+
2026-05-04	B+	A-
2026-04-01	B	B+
2026-03-02	B+	B
2026-02-12	B	B+
2026-02-10	B+	B
2026-01-16	A-	B+
2026-01-03	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 58 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CCNE scores highest in Value (94/100) and lowest in Safety (50/100). An overall grade of A places CCNE among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.29

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

-2.67

Unlikely Manipulator

Ohlson O-Score

-6.54

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

Score: 72.6/100

Trend: Stable

Earnings Quality

75/100

OCF/NI: 0.89x

Accruals: 0.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. CCNE scores 2.29, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. CCNE scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CCNE's score of -2.67 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. CCNE's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CCNE receives an estimated rating of A (score: 72.6/100), with a stable trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CCNE's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

11.07x

PEG

0.53x

P/S

2.08x

P/B

1.02x

P/FCF

12.61x

P/OCF

11.75x

EV/EBITDA

5.16x

EV/Revenue

1.20x

EV/EBIT

5.71x

EV/FCF

7.71x

Earnings Yield

9.58%

FCF Yield

7.93%

Shareholder Yield

2.92%

Graham Number

$43.01

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.1x earnings, CCNE trades at a reasonable valuation. An earnings yield of 9.6% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $43.01 per share, suggesting a potential 40% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.807

NI / EBT

Interest Burden

1.110

EBT / EBIT

EBIT Margin

0.209

EBIT / Rev

Asset Turnover

0.060

Rev / Assets

Equity Multiplier

9.838

Assets / Equity

ROE

11.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. CCNE's ROE of 11.0% is driven by financial leverage (equity multiplier: 9.84x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

8.61%

Fair P/E

25.73x

Intrinsic Value

$71.39

Price/Value

0.41x

Margin of Safety

59.43%

Premium

-59.43%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CCNE's realized 8.6% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $71.39, CCNE appears undervalued with a 59% margin of safety. The adjusted fair P/E of 25.7x compares to the current market P/E of 11.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$30.65

Median 1Y

$30.23

5th Pctile

$16.44

95th Pctile

$55.61

Ann. Volatility

37.8%

Analyst Target

$34.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Michael D. Peduzzi President and Chief Executive Officer of CNB; Chief Executive Officer of CNB Bank	$653,993	$270,672	$1,500,484
Martin T. Griffith Senior Executive Vice President and Chief Revenue Officer of CNB Bank	$382,044	$112,780	$968,421
Tito L. Lima Chief Financial Officer and Treasurer of CNB; Senior Executive Vice President and Chief Financial Officer of CNB Bank	$359,008	$112,780	$927,573
Michael J. Noah Executive Vice President, Chief Operating Officer of CNB Bank	$350,012	$90,224	$617,885
Angela D. Wilcoxson Executive Vice President, Chief Commercial Banking Officer of CNB Bank	$347,048	$90,224	$583,330

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

-100.0% YoY

Revenue / Employee

—

Rev: $404,862,000

Profit / Employee

—

NI: $66,131,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	12.2%	14.1%	13.4%	13.7%	14.0%	14.4%	13.0%	13.2%	12.9%	12.3%	10.5%	9.8%	9.7%	9.7%	9.2%	9.0%	9.2%	8.0%	8.9%	11.0%	11.02%
ROA	1.0%	1.2%	1.1%	1.2%	1.2%	1.2%	1.2%	1.2%	1.2%	1.1%	1.0%	1.0%	0.9%	1.0%	0.9%	0.9%	0.9%	0.8%	0.9%	1.1%	1.12%
ROIC	-7.2%	-8.3%	-6.7%	-6.8%	-7.0%	-7.2%	13.9%	14.1%	13.8%	13.1%	38.7%	36.1%	35.6%	35.7%	-60.4%	-59.2%	-60.3%	-52.6%	12.2%	13.6%	13.61%
ROCE	10.7%	12.4%	12.5%	12.7%	13.0%	13.4%	14.6%	14.9%	14.6%	13.9%	9.5%	8.9%	8.7%	8.7%	8.2%	8.1%	8.2%	7.2%	1.0%	1.1%	1.11%
Gross Margin	85.6%	88.2%	90.6%	90.4%	88.8%	89.6%	79.2%	72.3%	65.2%	64.3%	62.6%	60.3%	57.7%	59.0%	59.5%	60.4%	59.5%	49.1%	77.1%	65.4%	65.44%
Operating Margin	34.5%	34.6%	32.6%	34.1%	33.4%	33.3%	28.3%	27.9%	21.7%	20.8%	19.6%	18.0%	18.1%	18.6%	20.1%	16.0%	18.4%	7.7%	37.2%	20.7%	20.65%
Net Margin	28.0%	28.1%	27.0%	27.8%	27.3%	26.8%	22.6%	22.5%	17.5%	16.7%	16.0%	14.7%	14.6%	15.0%	16.3%	12.8%	14.9%	6.0%	29.9%	24.1%	24.13%
EBITDA Margin	37.8%	37.8%	34.8%	37.3%	36.5%	36.2%	30.2%	30.5%	24.1%	23.2%	21.8%	20.2%	20.3%	20.7%	22.7%	18.3%	20.4%	10.4%	40.5%	21.5%	21.55%
FCF Margin	16.4%	19.5%	25.1%	21.1%	23.7%	21.6%	21.2%	19.5%	15.1%	13.8%	11.2%	13.4%	11.9%	14.7%	15.3%	15.1%	18.7%	13.1%	14.2%	15.5%	15.51%
OCF Margin	19.0%	23.0%	28.2%	24.3%	27.3%	25.7%	26.3%	24.8%	20.6%	18.1%	14.6%	16.3%	15.6%	18.9%	19.9%	19.4%	21.8%	15.5%	15.7%	16.6%	16.65%
ROE 3Y Avg	snapshot only																				9.20%
ROE 5Y Avg	snapshot only																				10.60%
ROA 3Y Avg	snapshot only																				0.93%
ROIC Economic	snapshot only																				6.16%
Cash ROA	snapshot only																				0.86%
Cash ROIC	snapshot only																				13.42%
CROIC	snapshot only																				12.50%
NOPAT Margin	snapshot only																				16.89%
Pretax Margin	snapshot only																				23.23%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.67%
SBC / Revenue	snapshot only																				0.69%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	7.63	7.05	6.83	6.70	6.04	7.24	7.20	5.74	5.43	5.89	7.65	7.47	7.67	9.08	9.25	8.52	8.67	11.66	11.63	10.44	11.069
P/S Ratio	1.64	1.72	1.88	1.86	1.66	1.97	1.87	1.41	1.20	1.16	1.38	1.21	1.19	1.37	1.40	1.25	1.28	1.41	1.86	1.96	2.083
P/B Ratio	0.80	0.86	0.89	0.89	0.82	1.01	0.86	0.70	0.64	0.66	0.78	0.71	0.72	0.85	0.83	0.75	0.77	0.91	0.88	0.98	1.017
P/FCF	10.02	8.81	7.52	8.81	7.03	9.12	8.79	7.23	7.93	8.40	12.31	9.03	9.94	9.30	9.14	8.27	6.86	10.76	13.12	12.61	12.612
P/OCF	8.62	7.48	6.69	7.63	6.09	7.66	7.11	5.68	5.82	6.41	9.44	7.39	7.63	7.25	7.06	6.45	5.87	9.07	11.84	11.75	11.748
EV/EBITDA	-11.40	-9.60	-11.81	-11.62	-11.73	-10.37	4.49	3.41	3.14	3.41	0.28	-0.23	-0.18	0.87	-2.59	-3.29	-3.02	-2.13	4.69	5.16	5.156
EV/Revenue	-3.40	-3.20	-4.35	-4.29	-4.29	-3.76	1.56	1.13	0.94	0.91	0.07	-0.05	-0.04	0.18	-0.55	-0.67	-0.62	-0.37	1.06	1.20	1.196
EV/EBIT	-12.79	-10.63	-12.86	-12.63	-12.74	-11.25	4.87	3.69	3.42	3.73	0.31	-0.26	-0.20	0.97	-2.91	-3.70	-3.39	-2.47	5.31	5.71	5.713
EV/FCF	-20.77	-16.39	-17.35	-20.37	-18.16	-17.41	7.35	5.77	6.20	6.63	0.62	-0.39	-0.32	1.23	-3.55	-4.46	-3.33	-2.84	7.47	7.71	7.712
Earnings Yield	13.1%	14.2%	14.6%	14.9%	16.5%	13.8%	13.9%	17.4%	18.4%	17.0%	13.1%	13.4%	13.0%	11.0%	10.8%	11.7%	11.5%	8.6%	8.6%	9.6%	9.58%
FCF Yield	10.0%	11.4%	13.3%	11.3%	14.2%	11.0%	11.4%	13.8%	12.6%	11.9%	8.1%	11.1%	10.1%	10.8%	10.9%	12.1%	14.6%	9.3%	7.6%	7.9%	7.93%
PEG Ratio	snapshot only																				0.529
Price/Tangible Book	snapshot only																				1.088
EV/OCF	snapshot only																				7.183
EV/Gross Profit	snapshot only																				1.906
Acquirers Multiple	snapshot only																				5.713
Shareholder Yield	snapshot only																				2.92%
Graham Number	snapshot only																				$43.01

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.27	0.27	0.31	0.31	0.31	0.31	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.16	0.16	0.16	0.16	43.23	43.23	43.227
Quick Ratio	0.27	0.27	0.31	0.31	0.31	0.31	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.11	0.16	0.16	0.16	0.16	43.23	43.23	43.227
Debt/Equity	0.22	0.22	0.28	0.28	0.28	0.28	0.76	0.76	0.76	0.76	0.25	0.25	0.25	0.25	0.24	0.24	0.24	0.24	0.38	0.38	0.380
Net Debt/Equity	-2.47	-2.47	-2.94	-2.94	-2.94	-2.94	-0.14	-0.14	-0.14	-0.14	-0.74	-0.74	-0.74	-0.74	-1.15	-1.15	-1.15	-1.15	-0.38	-0.38	-0.380
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.07	0.07	0.07	0.07	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.04	0.04	0.039
Debt/EBITDA	1.48	1.29	1.63	1.60	1.57	1.52	4.75	4.65	4.74	4.94	1.79	1.91	1.94	1.93	1.92	1.95	1.92	2.11	3.55	3.28	3.277
Net Debt/EBITDA	-16.90	-14.76	-16.93	-16.64	-16.28	-15.81	-0.88	-0.86	-0.88	-0.91	-5.30	-5.65	-5.73	-5.72	-9.27	-9.38	-9.25	-10.19	-3.55	-3.28	-3.276
Interest Coverage	2.20	2.85	3.57	3.94	4.47	4.54	3.25	2.03	1.28	0.89	0.69	0.57	0.52	0.49	0.49	0.48	0.49	0.41	0.55	0.59	0.588
Equity Multiplier	11.37	11.37	12.03	12.03	12.03	12.03	10.32	10.32	10.32	10.32	10.07	10.07	10.07	10.07	10.14	10.14	10.14	10.14	9.63	9.63	9.628
Cash Ratio	snapshot only																				4.040
Debt Service Coverage	snapshot only																				0.652
Cash to Debt	snapshot only																				2.000
FCF to Debt	snapshot only																				0.204
Defensive Interval	snapshot only																				14193.2 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.06	0.06	0.060
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	6.54	6.70	5.36	5.44	5.61	5.84	4.74	5.10	5.53	5.92	10.36	10.77	11.08	11.42	—	—	—	—	0.13	0.14	0.136
Payables Turnover	0.88	0.76	0.60	0.55	0.53	0.54	0.68	0.99	1.43	1.90	4.29	4.82	5.21	5.56	—	—	—	—	—	—	—
DSO (trade)	56	54	68	67	65	63	77	72	66	62	35	34	33	32	0	0	0	0	2836	2690	2690.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	413	477	611	663	687	681	538	369	255	192	85	76	70	66	0	0	0	0	0	0	—
Cash Conversion Cycle (trade)	-357	-423	-543	-596	-622	-618	-461	-297	-189	-130	-50	-42	-37	-34	0	0	0	0	2836	2690	—
Cash Velocity	snapshot only																				0.658
Capital Intensity	snapshot only																				19.260

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	11.8%	12.7%	8.9%	6.5%	7.4%	9.2%	16.5%	23.5%	30.0%	33.7%	32.1%	27.7%	21.0%	16.5%	11.8%	8.8%	7.2%	11.0%	14.9%	19.7%	19.75%
Net Income	16.0%	44.7%	76.8%	54.5%	37.4%	21.5%	9.5%	9.6%	4.3%	-3.3%	-8.2%	-16.0%	-15.2%	-10.7%	-5.9%	-1.2%	2.2%	-11.1%	21.2%	52.8%	52.81%
EPS	5.8%	44.7%	76.6%	54.1%	37.5%	-3.1%	-12.5%	-12.4%	-16.3%	-2.2%	-7.3%	-15.2%	-15.0%	-10.8%	-6.0%	-1.4%	2.1%	-19.4%	-13.8%	8.6%	8.61%
FCF	-7.3%	20.9%	1.3%	62.1%	55.1%	20.5%	-1.3%	14.5%	-16.9%	-14.6%	-30.4%	-12.5%	-4.5%	24.3%	53.2%	23.0%	67.4%	-1.3%	6.2%	22.7%	22.73%
EBITDA	17.0%	41.1%	66.7%	46.4%	31.8%	18.5%	10.1%	10.5%	6.1%	-1.0%	-6.2%	-13.9%	-13.5%	-9.8%	-5.0%	0.2%	3.1%	-6.6%	23.5%	35.4%	35.36%
Op. Income	18.0%	45.8%	76.5%	53.4%	36.1%	21.0%	10.5%	10.8%	5.9%	-2.0%	-8.2%	-16.3%	-15.9%	-11.7%	-6.2%	-0.9%	2.8%	-10.0%	22.4%	37.7%	37.71%
OCF Growth	snapshot only																				2.72%
Asset Growth	snapshot only																				35.60%
Equity Growth	snapshot only																				42.81%
Debt Growth	snapshot only																				1.28%
Shares Change	snapshot only																				40.69%
Dividend Growth	snapshot only																				26.07%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	14.2%	13.3%	11.8%	10.2%	9.7%	9.8%	10.9%	13.1%	16.0%	18.1%	18.8%	18.8%	19.1%	19.4%	19.8%	19.7%	19.0%	20.0%	19.3%	18.5%	18.50%
Revenue 5Y	14.4%	14.3%	13.7%	13.0%	12.9%	13.1%	13.8%	14.9%	15.8%	16.3%	16.5%	16.1%	15.7%	15.6%	15.0%	15.0%	15.1%	16.3%	16.6%	16.9%	16.95%
EPS 3Y	14.9%	17.9%	15.9%	13.8%	13.4%	5.0%	4.6%	5.9%	6.8%	11.1%	12.7%	4.6%	-0.7%	-5.5%	-8.7%	-9.9%	-10.1%	-11.1%	-9.1%	-3.2%	-3.18%
EPS 5Y	13.2%	15.7%	19.3%	19.4%	17.2%	11.9%	13.9%	13.7%	11.8%	9.2%	4.8%	1.8%	0.7%	0.2%	-0.1%	-0.1%	1.1%	-0.3%	3.0%	4.1%	4.15%
Net Income 3Y	18.8%	22.0%	19.8%	17.8%	17.3%	17.3%	16.5%	17.9%	18.5%	19.4%	21.1%	12.5%	6.7%	1.6%	-1.8%	-3.1%	-3.3%	-8.4%	1.5%	8.2%	8.23%
Net Income 5Y	16.9%	19.4%	22.9%	21.7%	19.6%	19.5%	21.5%	21.4%	19.2%	16.4%	11.6%	8.5%	7.4%	6.9%	6.4%	6.4%	7.6%	6.2%	15.2%	16.5%	16.51%
EBITDA 3Y	13.7%	17.7%	19.6%	17.3%	16.7%	16.4%	15.8%	17.4%	17.8%	18.3%	19.9%	11.7%	6.5%	1.9%	-0.6%	-1.6%	-1.8%	-5.9%	3.3%	5.3%	5.29%
EBITDA 5Y	14.3%	16.5%	19.1%	17.7%	15.5%	15.6%	15.4%	16.3%	15.5%	13.8%	12.1%	9.0%	7.8%	7.1%	6.7%	6.9%	7.8%	6.9%	15.1%	13.6%	13.57%
Gross Profit 3Y	16.1%	16.7%	16.2%	15.6%	15.7%	16.7%	16.6%	17.3%	18.0%	16.3%	13.7%	10.3%	7.7%	6.1%	5.1%	4.6%	3.9%	2.9%	6.4%	8.5%	8.47%
Gross Profit 5Y	13.7%	14.1%	14.6%	14.1%	14.4%	15.1%	15.3%	15.4%	14.9%	13.7%	12.7%	11.6%	10.7%	10.6%	9.8%	10.1%	10.8%	10.5%	12.0%	11.7%	11.70%
Op. Income 3Y	14.2%	18.5%	20.7%	18.4%	17.7%	17.4%	17.2%	18.7%	19.4%	20.0%	21.5%	12.5%	6.6%	1.6%	-1.6%	-2.8%	-2.9%	-8.0%	1.8%	4.5%	4.54%
Op. Income 5Y	14.9%	17.4%	20.6%	19.2%	16.9%	17.0%	16.6%	17.6%	16.5%	14.6%	12.3%	9.0%	7.7%	7.0%	6.7%	6.8%	8.0%	6.6%	15.5%	14.2%	14.20%
FCF 3Y	-0.5%	4.8%	8.8%	7.5%	10.5%	8.0%	6.8%	1.6%	6.1%	7.6%	16.0%	17.6%	7.2%	8.6%	1.7%	7.2%	9.9%	1.6%	4.3%	9.7%	9.74%
FCF 5Y	9.3%	—	25.8%	33.0%	23.7%	-3.9%	15.2%	10.6%	4.9%	3.4%	-2.4%	4.5%	1.4%	6.0%	5.4%	2.5%	13.8%	8.8%	20.5%	19.7%	19.66%
OCF 3Y	1.6%	7.8%	10.4%	7.9%	10.4%	7.3%	7.5%	4.7%	10.2%	11.4%	17.8%	18.0%	11.3%	11.8%	6.7%	11.0%	10.4%	1.4%	0.5%	3.7%	3.70%
OCF 5Y	7.2%	—	17.1%	19.4%	16.7%	-2.9%	15.8%	13.4%	9.6%	7.5%	1.4%	5.9%	3.8%	7.2%	6.8%	4.5%	12.9%	8.9%	17.7%	16.9%	16.85%
Assets 3Y	19.5%	19.5%	18.3%	18.3%	18.3%	18.3%	13.3%	13.3%	13.3%	13.3%	6.7%	6.7%	6.7%	6.7%	5.1%	5.1%	5.1%	5.1%	15.3%	15.3%	15.32%
Assets 5Y	15.7%	15.7%	15.7%	15.7%	15.7%	15.7%	14.6%	14.6%	14.6%	14.6%	12.3%	12.3%	12.3%	12.3%	10.5%	10.5%	10.5%	10.5%	12.2%	12.2%	12.17%
Equity 3Y	19.5%	19.5%	19.0%	19.0%	19.0%	19.0%	20.3%	20.3%	20.3%	20.3%	11.1%	11.1%	11.1%	11.1%	11.3%	11.3%	11.3%	11.3%	18.0%	18.0%	18.00%
Book Value 3Y	15.6%	15.6%	15.1%	14.9%	15.0%	6.5%	8.0%	8.1%	8.4%	11.9%	3.4%	3.4%	3.4%	3.4%	3.6%	3.5%	3.5%	8.1%	5.6%	5.6%	5.57%
Dividend 3Y	8.7%	10.2%	5.8%	2.2%	-0.7%	-10.0%	-8.4%	-7.2%	-5.8%	-1.6%	-3.2%	-4.6%	-5.9%	-6.9%	-6.6%	-6.4%	-6.3%	0.2%	-5.7%	-3.4%	-3.36%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.99	0.99	0.99	0.99	0.99	0.99	0.98	0.96	0.93	0.90	0.89	0.89	0.89	0.90	0.91	0.93	0.95	0.96	0.97	0.97	0.974
Earnings Stability	0.95	0.88	0.78	0.86	0.90	0.90	0.82	0.90	0.94	0.89	0.72	0.67	0.67	0.61	0.48	0.40	0.40	0.14	0.47	0.51	0.508
Margin Stability	0.93	0.93	0.93	0.92	0.92	0.91	0.92	0.93	0.92	0.90	0.89	0.88	0.86	0.84	0.83	0.83	0.83	0.81	0.84	0.85	0.849
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.00	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.94	0.82	0.50	0.50	0.85	0.91	0.96	0.96	0.98	0.99	0.97	0.94	0.94	0.96	0.98	1.00	0.99	0.96	0.92	0.50	0.500
Earnings Smoothness	0.85	0.63	0.45	0.57	0.68	0.81	0.91	0.91	0.96	0.97	0.91	0.83	0.84	0.89	0.94	0.99	0.98	0.88	0.81	0.58	0.582
ROE Trend	-0.03	-0.01	0.03	0.02	0.02	0.02	0.01	0.01	-0.00	-0.02	-0.02	-0.03	-0.03	-0.03	-0.02	-0.02	-0.02	-0.03	-0.02	0.00	0.003
Gross Margin Trend	0.09	0.11	0.13	0.13	0.12	0.11	0.05	-0.02	-0.10	-0.18	-0.21	-0.22	-0.21	-0.20	-0.17	-0.13	-0.09	-0.08	-0.01	0.02	0.017
FCF Margin Trend	-0.05	-0.01	0.07	0.01	0.06	0.03	0.03	0.02	-0.05	-0.07	-0.12	-0.07	-0.07	-0.03	-0.01	-0.01	0.05	-0.01	0.01	0.01	0.012
Sustainable Growth Rate	8.1%	9.7%	9.7%	10.0%	10.3%	10.7%	9.5%	9.6%	9.1%	8.4%	7.1%	6.4%	6.2%	6.2%	6.0%	5.8%	5.9%	4.5%	5.9%	7.7%	7.73%
Internal Growth Rate	0.7%	0.8%	0.8%	0.9%	0.9%	0.9%	0.9%	0.9%	0.8%	0.8%	0.7%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.4%	0.6%	0.8%	0.79%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	0.89	0.94	1.02	0.88	0.99	0.95	1.01	1.01	0.93	0.92	0.81	1.01	1.00	1.25	1.31	1.32	1.48	1.29	0.98	0.89	0.888
FCF/OCF	0.86	0.85	0.89	0.87	0.87	0.84	0.81	0.79	0.73	0.76	0.77	0.82	0.77	0.78	0.77	0.78	0.86	0.84	0.90	0.93	0.931
FCF/Net Income	snapshot only																				0.828
OCF/EBITDA	snapshot only																				0.718
CapEx/Revenue	2.7%	3.5%	3.1%	3.3%	3.7%	4.1%	5.0%	5.3%	5.5%	4.3%	3.4%	3.0%	3.6%	4.2%	4.5%	4.3%	3.2%	2.4%	1.5%	1.1%	1.14%
CapEx/Depreciation	snapshot only																				0.505
Accruals Ratio	0.00	0.00	-0.00	0.00	0.00	0.00	-0.00	-0.00	0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.001
Sloan Accruals	snapshot only																				1.568
Cash Flow Adequacy	snapshot only																				2.475
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	4.4%	4.4%	4.0%	4.1%	4.4%	3.6%	3.7%	4.8%	5.4%	5.4%	4.3%	4.7%	4.6%	3.9%	3.8%	4.2%	4.1%	3.8%	2.9%	2.9%	2.38%
Dividend/Share	$0.88	$0.94	$0.94	$0.95	$0.95	$0.76	$0.80	$0.83	$0.87	$0.91	$0.91	$0.91	$0.91	$0.91	$0.92	$0.92	$0.93	$0.91	$0.77	$0.83	$0.73
Payout Ratio	33.7%	31.1%	27.5%	27.1%	26.6%	26.0%	26.7%	27.3%	29.2%	31.8%	32.7%	35.1%	35.6%	35.7%	35.2%	36.1%	35.7%	44.1%	34.0%	29.8%	29.80%
FCF Payout Ratio	44.3%	38.9%	30.2%	35.7%	31.0%	32.8%	32.6%	34.4%	42.5%	45.3%	52.7%	42.4%	46.2%	36.6%	34.8%	35.1%	28.2%	40.7%	38.3%	36.0%	36.01%
Total Payout Ratio	36.3%	31.4%	29.5%	31.7%	31.1%	30.3%	29.3%	31.2%	36.8%	42.9%	44.3%	43.2%	40.4%	37.0%	36.4%	37.6%	36.3%	44.8%	34.5%	30.5%	30.47%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.46	0.53	0.35	0.23	0.13	0.05	0.10	0.15	0.20	0.24	0.17	0.13	0.08	0.04	0.05	0.06	0.07	0.14	0.20	0.29	0.289
Buyback Yield	0.3%	0.0%	0.3%	0.7%	0.7%	0.6%	0.4%	0.7%	1.4%	1.9%	1.5%	1.1%	0.6%	0.1%	0.1%	0.2%	0.1%	0.1%	0.0%	0.1%	0.06%
Net Buyback Yield	0.3%	0.0%	0.3%	0.7%	0.7%	0.6%	0.4%	0.7%	1.4%	1.9%	1.5%	1.1%	0.6%	0.1%	0.1%	0.2%	0.1%	0.1%	0.0%	0.1%	0.06%
Total Shareholder Return	4.7%	4.5%	4.3%	4.7%	5.1%	4.2%	4.1%	5.4%	6.8%	7.3%	5.8%	5.8%	5.3%	4.1%	3.9%	4.4%	4.2%	3.8%	3.0%	2.9%	2.92%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.81	0.81	0.82	0.82	0.82	0.81	0.81	0.81	0.80	0.80	0.81	0.81	0.81	0.81	0.81	0.81	0.81	0.80	0.80	0.81	0.807
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.11	1.110
EBIT Margin	0.27	0.30	0.34	0.34	0.34	0.33	0.32	0.30	0.27	0.24	0.22	0.20	0.19	0.19	0.19	0.18	0.18	0.15	0.20	0.21	0.209
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.06	0.06	0.060
Equity Multiplier	11.78	11.78	11.71	11.71	11.71	11.71	11.10	11.10	11.10	11.10	10.19	10.19	10.19	10.19	10.11	10.11	10.11	10.11	9.84	9.84	9.838

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$2.60	$3.03	$3.42	$3.49	$3.58	$2.93	$3.00	$3.06	$3.00	$2.87	$2.78	$2.59	$2.55	$2.56	$2.61	$2.55	$2.60	$2.06	$2.25	$2.77	$2.77
Book Value/Share	$24.73	$24.72	$26.27	$26.29	$26.34	$20.97	$25.16	$25.18	$25.33	$25.40	$27.34	$27.35	$27.34	$27.32	$29.20	$29.18	$29.18	$26.47	$29.66	$29.62	$30.14
Tangible Book/Share	$22.01	$22.00	$23.55	$23.57	$23.61	$18.80	$22.99	$23.00	$23.14	$23.20	$25.15	$25.16	$25.15	$25.13	$27.04	$27.02	$27.02	$24.50	$26.65	$26.62	$26.62
Revenue/Share	$12.11	$12.39	$12.41	$12.60	$13.02	$10.79	$11.55	$12.43	$13.57	$14.57	$15.41	$16.01	$16.47	$16.97	$17.22	$17.40	$17.63	$17.07	$14.07	$14.81	$14.78
FCF/Share	$1.98	$2.42	$3.11	$2.65	$3.08	$2.33	$2.45	$2.43	$2.05	$2.01	$1.73	$2.14	$1.97	$2.50	$2.64	$2.63	$3.29	$2.23	$1.99	$2.30	$2.29
OCF/Share	$2.31	$2.85	$3.50	$3.06	$3.56	$2.77	$3.04	$3.09	$2.80	$2.64	$2.25	$2.62	$2.56	$3.20	$3.42	$3.38	$3.84	$2.65	$2.21	$2.47	$2.46
Cash/Share	$66.43	$66.39	$84.81	$84.86	$85.01	$67.68	$22.65	$22.66	$22.79	$22.86	$26.99	$27.00	$26.99	$26.97	$40.48	$40.46	$40.46	$36.69	$22.53	$22.50	$2.67
EBITDA/Share	$3.61	$4.13	$4.57	$4.65	$4.76	$3.90	$4.02	$4.11	$4.06	$3.91	$3.81	$3.57	$3.52	$3.52	$3.62	$3.57	$3.62	$2.98	$3.18	$3.43	$3.43
Debt/Share	$5.35	$5.35	$7.44	$7.45	$7.46	$5.94	$19.11	$19.12	$19.23	$19.29	$6.82	$6.82	$6.82	$6.82	$6.96	$6.95	$6.95	$6.31	$11.27	$11.25	$11.25
Net Debt/Share	$-61.07	$-61.04	$-77.36	$-77.41	$-77.55	$-61.74	$-3.54	$-3.54	$-3.56	$-3.57	$-20.17	$-20.18	$-20.17	$-20.15	$-33.52	$-33.50	$-33.50	$-30.38	$-11.27	$-11.25	$-11.25

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.287
Altman Z-Prime	snapshot only																				5.768
Piotroski F-Score	6	7	8	7	8	7	6	6	5	5	6	7	7	6	6	7	7	6	6	7	7
Beneish M-Score	-2.13	-2.09	-2.45	-2.42	-2.41	-2.39	-1.84	-1.77	-1.69	-1.68	-2.98	-3.12	-3.19	-3.22	-2.39	-2.45	-2.47	-2.13	-2.05	-2.67	-2.666
Ohlson O-Score	snapshot only																				-6.544
ROIC (Greenblatt)	snapshot only																				1.32%
Net-Net WC	snapshot only																				$-14.78
EVA	snapshot only																				$19531218.08

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A
Credit Score	73.95	74.67	73.35	79.27	79.62	80.74	53.80	53.93	53.37	53.65	57.51	65.41	53.15	65.91	71.69	71.63	71.26	68.35	67.66	72.58	72.582
Credit Grade	snapshot only																				6
Credit Trend	snapshot only																				0.953
Implied Spread (bps)	snapshot only																				150.000
Industry Credit Rank	snapshot only																				68
Sector Credit Rank	snapshot only																				63

CCNE NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet