CNB Financial Corporation (NASDAQ:CCNE) and CB Financial Services Inc. (NASDAQ:CBFV) compete with each other in the Regional – Northeast Banks sector. We will analyze and compare their dividends, analyst recommendations, profitability, risk, institutional ownership, earnings and valuation.
Earnings & Valuation
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|CNB Financial Corporation||124.96M||3.19||35.94M||2.37||11.41|
|CB Financial Services Inc.||48.12M||2.67||8.62M||1.37||17.22|
We can see in table 1 the earnings per share (EPS), gross revenue and valuation of CNB Financial Corporation and CB Financial Services Inc. CB Financial Services Inc. has lower revenue and earnings than CNB Financial Corporation. Business that currently has a lower price-to-earnings ratio means that it is the more affordable of the two businesses. CNB Financial Corporation is trading at a lower price-to-earnings ratio than CB Financial Services Inc., indicating that it is currently more affordable of the two stocks.
Table 2 provides us the net margins, return on equity and return on assets of both companies.
|Net Margins||Return on Equity||Return on Assets|
|CNB Financial Corporation||28.76%||0%||0%|
|CB Financial Services Inc.||17.91%||5.7%||0.6%|
Risk and Volatility
CNB Financial Corporation has a 0.81 beta, while its volatility is 19.00% which is less volatile than Standard & Poor’s 500. In other hand, CB Financial Services Inc. has beta of 0.38 which is 62.00% less volatile than Standard & Poor’s 500.
CNB Financial Corporation pays out its dividends annually at $0.68 per share and 2.58% dividend yield. CB Financial Services Inc. has an annual dividend pay of $0.91 per share while its annual dividend yield is 3.91%.
In next table is shown CNB Financial Corporation and CB Financial Services Inc.’s ratings and recommendations.
|Sell Ratings||Hold Ratings||Buy Ratings||Rating Score|
|CNB Financial Corporation||0||0||1||3.00|
|CB Financial Services Inc.||0||0||0||0.00|
The upside potential is 17.83% for CNB Financial Corporation with consensus target price of $31.
Institutional and Insider Ownership
The shares of both CNB Financial Corporation and CB Financial Services Inc. are owned by institutional investors at 44.1% and 28.4% respectively. Insiders held 3% of CNB Financial Corporation shares. Comparatively, insiders own roughly 5.1% of CB Financial Services Inc.’s shares.
In this table we show the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.
|Performance (W)||Performance (M)||Performance (Q)||Performance (HY)||Performance (Y)||Performance (YTD)|
|CNB Financial Corporation||-5.1%||0.41%||0.48%||2.08%||-7.66%||17.6%|
|CB Financial Services Inc.||-4.88%||2.03%||-10.5%||-12.65%||-31.86%||-4.72%|
For the past year CNB Financial Corporation has 17.6% stronger performance while CB Financial Services Inc. has -4.72% weaker performance.
On 10 of the 15 factors CNB Financial Corporation beats CB Financial Services Inc.
CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The companyÂ’s principal products and services comprise checking, savings, and time deposit accounts; and real estate, commercial, industrial, residential, and consumer loans. It also offers various other specialized financial services; and trust and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company, through its other subsidiaries, maintains investments in debt and equity securities; provides credit life and disability insurance products; sells nonproprietary annuities and other insurance products; and offers small balance unsecured and secured loans that are primarily collateralized by automobiles and equipment. As of February 14, 2017, the company operated 32 full-service offices and 1 loan production office in Pennsylvania and northeast Ohio; 9 full-service offices and 1 loan production office in central Ohio; and 1 loan production office in Buffalo, New York. CNB Financial Corporation was founded in 1934 and is headquartered in Clearfield, Pennsylvania.
CB Financial Services, Inc. operates as the bank holding company for Community Bank, a state chartered commercial bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania. The companyÂ’s deposit products include demand deposits, NOW accounts, money market accounts, savings accounts, and time deposits. Its loan products comprise residential real estate loans, such as one-to four-family mortgage loans, multifamily mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. The company also provides sweep and insured money sweep services, remote electronic deposit, online banking with bill pay, mobile banking, and automated clearing house services; and conducts insurance brokerage activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates 16 branches in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania. CB Financial Services, Inc. was founded in 1900 and is headquartered in Carmichaels, Pennsylvania.
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