회사 개요
CNB Financial Corporation operates as a bank holding company that manages CNB Bank, providing a comprehensive suite of banking products and services tailored for individual, commercial, governmental, and institutional clients. The firm accepts checking, savings, and time deposit accounts while offering real estate and commercial lending solutions to its diverse customer base. This entity functions within the Financial Services sector, specifically categorized under the Regional Banks industry, which typically focuses on serving local communities rather than operating as a global conglomerate. Although specific market capitalization data is unavailable in the provided facts, the company's annual revenue stands at $273.35 million and it employs 917 individuals. These financial figures and employee count indicate a regional scale operation that balances community-focused lending with the operational capacity to serve multiple customer segments simultaneously.
재무 건전성
The company reported a Total Revenue of $273.35 million and a Net Income of $61.35 million over the trailing twelve months, with EBITDA data not available for this specific reporting period. The significant gap between the reported revenue and net income reveals a cost structure where operating expenses consume a substantial portion of top-line earnings, resulting in a net income that is roughly 22% of total revenue. Regarding liquidity generation, free cash flow figures are not disclosed in the available data, which limits the immediate assessment of cash conversion efficiency but does not preclude the existence of operational cash flows. The firm's margin profile consists of a Gross Margin of 0.0%, an Operating Margin of 50.9%, and a Profit Margin of 24.2%, indicating that while revenue generation in banking is typically fee or interest-driven rather than product-markup driven, the company successfully retains over a quarter of revenue as profit after all expenses. On the liability side, the company holds $532.47 million in cash against $337.16 million in total debt, suggesting a conservative balance sheet posture where liquid assets exceed obligations. The Debt to Equity ratio is not listed in the facts, and the Current Ratio is also unavailable, preventing a direct calculation of short-term liquidity coverage relative to current liabilities. Return on Equity stands at 8.9% while Return on Assets is 0.9%, metrics that reveal management's effectiveness in generating shareholder value relative to equity investment and utilizing the broader asset base to produce income.
밸류에이션 평가
The trailing twelve-month P/E ratio is 7.72, while the forward P/E is not available, preventing a direct comparison of earnings trajectory expectations between current and future periods. 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 in the banking sector where assets are heavily weighted toward loans. Price to Sales and EV/EBITDA metrics are not provided in the facts, so alternative valuation perspectives relying on sales multiples or enterprise value leverage cannot be derived from the current data. The stock's trading range over the past year has seen a high of $25.44 and a low of $23.08, providing a context for where the current price sits within its historical volatility bounds. The Beta value is 0.66, which signifies that the stock exhibits lower price volatility relative to the broader market, moving with less intensity than the general market index during periods of fluctuation.
Growth & Income
Revenue growth for the year-over-year period reached 80.5%, accompanied by an Earnings Growth of 65.8%, indicating that earnings are expanding at a slightly slower pace than revenue, which often suggests margin compression or one-time costs impacting the bottom line. The company offers a Dividend Yield of 7.2%, providing income to shareholders, while the Payout Ratio is not listed, making it impossible to verify the exact percentage of earnings distributed versus retained for growth. Given the absence of a payout ratio, the sustainability of the dividend must be evaluated against the strong earnings growth and conservative debt position rather than a direct payout percentage. The overall profile combines significant year-over-year revenue expansion with a high-yield dividend distribution, positioning the asset as a potential source of both capital appreciation potential and current income within the regional banking space.