कंपनी का अवलोकन
CNB Financial Corporation operates as a bank holding company that facilitates various banking products and services for individual, business, governmental, and institutional customers. The entity accepts checking, savings, and time deposit accounts while offering real estate and commercial lending solutions to its diverse client base. This organization functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically serves localized markets rather than national or global conglomerates. The company employs 917 individuals to support its operational framework and service delivery capabilities. Regarding its scale, specific market capitalization data is not available in the provided records, though the entity generates an annual revenue of $273.35M. The absence of a disclosed market cap figure suggests that valuation metrics may be derived primarily through trading multiples rather than direct market valuation in this specific dataset context. The annual revenue of $273.35M indicates the company's operational capacity to generate income within the regional banking landscape. The employee count of 917 reflects a mid-sized workforce structure consistent with regional banking institutions that prioritize local community engagement and specialized lending roles. These figures collectively outline the corporate magnitude and operational scope of CNB Financial Corporation within its designated industry segment.
वित्तीय स्वास्थ्य
The company reports a revenue of $273.35M over the trailing twelve months, with a corresponding net income of $61.35M, while EBITDA data is not disclosed in the available facts. The significant gap between the $273.35M revenue and the $61.35M net income reveals a substantial cost structure that includes operating expenses, loan loss provisions, and other financial costs inherent to regional banking operations. The gross margin is recorded at 0.0%, which is standard for financial institutions where revenue is largely composed of net interest income and fees that are often netted against cost of funds. The operating margin stands at 50.9%, indicating that the company maintains efficient control over its administrative and operational expenses relative to its revenue generation. The profit margin is 24.2%, demonstrating the company's ability to convert a significant portion of its revenue into actual earnings after all costs and taxes. Free cash flow data is not available, limiting a direct assessment of immediate financial flexibility through cash generation metrics specific to capital expenditures and working capital changes. Despite the lack of free cash flow figures, the company holds $532.47M in cash against $337.16M in debt, indicating a robust liquidity position where cash reserves exceed total debt obligations. The debt-to-equity ratio is not provided, but the absolute comparison of cash to debt suggests a conservative balance sheet approach rather than a highly leveraged structure. Current ratio data is unavailable, preventing a specific numerical assessment of short-term liquidity relative to current liabilities. The return on equity is 8.9%, showing the efficiency of management in generating profits from shareholders' equity investments. The return on assets is 0.9%, which reflects the low-yield nature of banking assets relative to the total asset base, a common characteristic in the financial services sector.
मूल्यांकन आकलन
The trailing twelve-month P/E ratio is 7.72, whereas the forward P/E ratio is not available in the current dataset. The disparity between a trailing P/E and a missing forward P/E implies that forward-looking earnings expectations are either not quantified or have not been disclosed by market analysts for this specific period. The price-to-book ratio is 0.89, indicating that the market values the company at a discount relative to its tangible book value, which is common for regional banks trading at lower multiples than large national peers. Price-to-sales and EV/EBITDA ratios are not available, so alternative valuation metrics are limited to the P/E and P/B frameworks in this analysis. The 52-week high is $25.44 and the 52-week low is $23.08. Without a specific current stock price provided in the facts, the exact percentage deviation from the 52-week range cannot be calculated, but the trading band spans $2.36 between the high and low. The beta value is 0.66, which indicates that the stock price volatility is significantly lower than that of the broader market. A beta below 1.0 suggests that the stock is less sensitive to market-wide movements and may serve as a defensive holding during periods of market turbulence.
Growth & Income
Revenue growth year-over-year is 80.5%, while earnings growth year-over-year is 65.8%. Earnings are growing at a slightly slower rate than revenue, which implies that the company is experiencing some cost inflation or one-time expenses that are dampening the direct pass-through of revenue gains to the bottom line. The dividend yield is 7.2%, providing a substantial income component to the total return profile for shareholders. The payout ratio is not available, making it impossible to explicitly calculate the sustainability of the dividend relative to current earnings without that specific metric. Given the high dividend yield and the absence of a reported payout ratio, the company appears focused on returning significant cash to shareholders rather than reinvesting all earnings into aggressive internal growth projects. The overall growth and income profile suggests a mature regional bank offering high current yield with moderate revenue expansion driven by strong market performance in its regional footprint.