Stock fact sheet · data as of
CNB Financial Corporation (CCNEP): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is CCNEP undervalued?
At 24.85 (close of 16 Oct 2026), CCNEP trades 31% below the GLS average fair value of 36.01. That average comes from 9 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns CNB Financial Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between GLS Growth (9.14) and 10 Cap (70.35). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files CCNEP under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for CCNEP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 36.97 | +49% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 47.53 | +91% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 49.52 | +99% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 15.17 | -39% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 9.14 | -63% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 70.35 | +183% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 57.83 | +133% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 11.04 | -56% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 26.54 | +7% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -163.14 | -756% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
CNB Financial Corporation scores 8 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability CCNEP scores 5.5/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 5.6%, ROE 7.6%, ROA 0.8% - with debt at 0.36 times equity and a free-cash-flow yield of 8.5%.
The dividend yield is 2.21% at a payout ratio of 27%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 2/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 5.6% |
|---|---|---|---|
| GLS Moat | 5.5 / 10 | ROE | 7.6% |
| Debt / equity | 0.36 | ROA | 0.8% |
| Free-cash-flow yield | 8.5% | Payout ratio | 27% |
| Institutions | 5 / 10 | Insiders · Congress | 2 · 5 / 10 |
Wheel Score 39: No options
No options are listed on CNB Financial Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $1.0B, with a beta of 0.63 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 8 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 31% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 8 / 15 | moat 5.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 8 / 20 | 0k shares/day, $1.0B cap, beta 0.63 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
CNB Financial Corporation reports earnings on 26 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk. The shares go ex-dividend on 13 Nov 2026 (0.4453 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to CNB Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CCNE CNB Financial Corporation | 33.88 | 40.53 | +16% | 68Good | $1.0B |
| MCBS MetroCity Bankshares, Inc. | 34.77 | 32.11 | -8% | 55Fair | $1.0B |
| MBWM Mercantile Bank Corporation | 58.32 | 64.51 | +10% | 65Good | $1.0B |
| WTBFA W.T.B. Financial Corporation | 680.60 | 726.82 | +6% | 39No options | $1.0B |
| FMCB Farmers & Merchants Bancorp | 1,435.00 | 2,561.57 | +44% | 39No options | $993M |
| HBNC Horizon Bancorp, Inc. | 19.33 | 14.53 | -33% | 45Weak | $992M |
| BFST Business First Bancshares, Inc. | 31.13 | 39.14 | +20% | 73Good | $1.0B |
| CFFN Capitol Federal Financial, Inc. | 8.24 | 8.90 | +7% | 73Good | $1.0B |
| SBNCM Southern BancShares (N.C.), Inc. | 11.82 | 5,263.41 | +100% | 39No options | $1.0B |
| SBNC Southern BancShares (N.C.), Inc. | 13,500.00 | 26,359.95 | +49% | 39No options | $1.0B |
| SBNCN Southern BancShares (N.C.), Inc. PFD CL C | 12.00 | 5,263.69 | +100% | 39No options | $1.0B |
| EQBK Equity Bancshares, Inc. | 46.68 | 58.58 | +20% | 65Good | $961M |
⚖ Compare CCNEP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CCNEP
Is CCNEP undervalued right now?
By the GLS models, yes: at 24.85 the stock is 31% below the average fair value of 36.01 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CCNEP and what does it mean?
CCNEP has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CCNEP?
36.01 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CNB Financial Corporation report earnings next?
The next earnings report is due on 26 Oct 2026 (after the close), 10 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does CCNEP have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CCNEP, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.