CNB Financial Corporation cash flow to debt ratio of 20.75% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

CNB Financial Corporation's free cash flow has increased 6.20% from $55.23M last year to $58.65M, signaling increasing performance

CNB Financial Corporation's debt to equity ratio is 0.31, which means that the company's assets are healthy financed, signaling financial stability.

CNB Financial Corporation's debt has increased relative to shareholder equity from 0.24 last year to 0.31 today, signaling weakened financials

CNB Financial Corporation has a net cash position, so leverage is healthy.

CNB Financial Corporation earns at least as much interest as it pays. Interest obligations are fully covered.

CNB Financial Corporation's profit margin has increased (34.97%) in the last year from 15.16% to 20.46%, signaling increasing performance

CNB Financial Corporation's short-term liabilities of $7.19B exceed its short-term assets of $942.91M, signaling financial risk

CNB Financial Corporation's return on assets of 1.14% is lower than the 5.00% threshold, indicating inefficient asset utilization

CNB Financial Corporation's return on equity of 10.93%, is lower than 15.00%, indicating bad performance

CNB Financial Corporation's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

CNB Financial Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

CNB Financial Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

CNB Financial Corporation has a free cash flow yield of 5.78%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

CNB Financial Corporation's yearly earnings has increased 21.17% since last year from $54.58M to $66.13M, signaling increasing performance

CNB Financial Corporation's yearly revenue has increased 12.46% since last year from $360.01M to $404.86M, signaling increasing performance

ROIC 1.04% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

CNB Financial Corporation's 3-year revenue CAGR of 18.44% is positive, indicating growing revenue over the past 3 years

CNB Financial Corporation had revenue growth in 5 out of 5 years, indicating consistent revenue performance

CNB Financial Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

CNB Financial Corporation is overvalued relative to its fair value price of 27.28 based on Discounted Cash Flow model

CNB Financial Corporation has an earnings yield of 9.50%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

CNB Financial Corporation is overvalued relative to its fair value price of 13.52 based on EBITDA multiple model

CNB Financial Corporation has an EV/EBITDA ratio of 4.13x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

CNB Financial Corporation is undervalued relative to its fair value price of 72.46 based on Earnings Fair Value model

CNB Financial Corporation has a PEG-ratio over 1 which is considered overvalued

CNB Financial Corporation has a price-to-book ratio of 1.11x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

CNB Financial Corporation has a price-to-sales ratio of 2.15x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue