CNB Financial Corporation Financial Ratios — CCNEP Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	19.73	20.28	17.93	22.22	18.98	15.95	16.89	21.07	21.47	15.04	22.28	20.75	16.46	13.83	15.34
Return on Assets (%)	1	1.02	0.85	1.07	0.99	0.85	0.89	1.13	1.15	0.77	1.15	1.17	1.03	0.91	0.91
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.53	3.38	3.62	4.64	4.51	4.62	4.75	3.92	4.28	3.81	3.3	2.99	3.55	3.72	3.94
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	35.06	35.75	31.55	36.43	34.06	28.54	32.87	32.76	34.92	25.11	37.37	35.61	32.93	30.34	29.77
Profit Margin (%)	25.66	26.01	22.86	25.95	24.8	21.16	21.63	27.46	28.78	20.51	30.47	28.77	26.6	24.58	23.87
Net Income to Common Margin (%)	25.66	26.01	22.86	25.95	24.8	21.16	21.63	27.46	28.78	19.79	28.2	26.81	24.63	22.64	22.32
Effective Tax Rate (%)	26.8	27.23	27.54	28.76	27.2	25.88	34.18	16.18	17.6	18.33	18.47	19.21	19.22	18.98	19.81
Dvd Payout Ratio (%)	53.79	47.93	51.4	41.26	42.87	46.48	42.31	30.36	25.84	34.75	21.63	21.32	27.35	29.66	29.42
Sustainable Growth Rate (%)	9.12	10.56	8.71	13.05	10.84	8.54	9.74	14.67	15.93	9.81	17.46	16.33	11.96	9.72	10.83

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	95	118	109	132	241	308	328	316	318	90	125	271	143	146	313
ST Debt	74	24	13	36	116	104	34	245	228	- -	- -	132	- -	- -	164
LT Debt	21	95	96	96	125	204	294	71	90	90	125	138	143	146	149
Total Debt/EBITDA	45.82	53.23	41.11	32.06	59.7	68.6	62.57	65.63	53.31	14.81	20.1	41.18	18.42	17.6	28.72
Net Debt/EBITDA	26.58	38.8	29.78	25.24	52.95	62.1	55.82	56.16	17.7	-75.97	-100.61	19.88	-15.14	-40.86	-23.69
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5	5.02	4.55	5.05	5.4	5.22	5.36	5.33	5.35	4.62	4.89	5.61	6.01	6.16	5.06
Long-Term Debt/Equity (%)	15.63	65.3	57.98	51.09	61.84	96.16	120.36	26.87	29.51	21.64	28.33	26.06	24.95	23.83	17.11
Long-Term Debt/Capital (%)	11.78	45.77	46.5	39.65	34.26	46.08	61.64	14.49	17.32	24.57	28.26	21.77	26.09	24.89	18.75
Long-Term Debt/Total Assets (%)	1.29	5.35	4.49	4.4	5.46	7.91	10.6	2.19	2.39	1.9	2.35	2.53	2.48	2.35	1.78
Total Debt/Equity (%)	72.09	81.47	65.84	70.18	119.43	145.25	134.47	120.13	104.24	21.64	28.33	51	24.95	23.83	35.92
Total Debt/Capital (%)	54.29	57.1	52.8	54.47	66.17	69.61	68.86	64.76	61.2	24.57	28.26	42.6	26.09	24.89	39.35
Total Debt/Total Assets (%)	5.93	6.68	5.09	6.04	10.55	11.95	11.85	9.8	8.45	1.9	2.35	4.94	2.48	2.35	3.73
Net Debt to Equity	41.81	59.38	47.7	55.24	105.92	131.47	119.98	102.79	34.61	-111.04	-141.79	24.62	-20.51	-55.32	-29.63
Net Debt/Capital (%)	40.79	49.25	44.76	48.5	63.43	67.46	66.37	61.13	32.34	278.17	217.73	24.7	-36.14	-238.67	-96.4
EBITDA	2	2	3	4	4	4	5	5	6	6	6	7	8	8	11
EBITDA-CapEx	- -	- -	-3	-2	-3	-6	- -	2	-3	- -	- -	-6	-3	-8	5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5	5.02	4.55	5.05	5.4	5.22	5.36	5.33	5.35	4.62	4.89	5.61	6.01	6.16	5.06
Long-Term Debt/Equity (%)	15.63	65.3	57.98	51.09	61.84	96.16	120.36	26.87	29.51	21.64	28.33	26.06	24.95	23.83	17.11
Long-Term Debt/Capital (%)	11.78	45.77	46.5	39.65	34.26	46.08	61.64	14.49	17.32	24.57	28.26	21.77	26.09	24.89	18.75
Long-Term Debt/Total Assets (%)	1.29	5.35	4.49	4.4	5.46	7.91	10.6	2.19	2.39	1.9	2.35	2.53	2.48	2.35	1.78
Total Debt/Equity (%)	72.09	81.47	65.84	70.18	119.43	145.25	134.47	120.13	104.24	21.64	28.33	51	24.95	23.83	35.92
Total Debt/Capital (%)	54.29	57.1	52.8	54.47	66.17	69.61	68.86	64.76	61.2	24.57	28.26	42.6	26.09	24.89	39.35
Total Debt/Total Assets (%)	5.93	6.68	5.09	6.04	10.55	11.95	11.85	9.8	8.45	1.9	2.35	4.94	2.48	2.35	3.73
CFO/Total Liabilities	2.07	1.69	1.71	1.45	1.61	1.13	1.22	1.52	1.5	0.67	1.21	1.3	0.91	1.28	0.86
CFO/CapEx	17.82	13.67	6.3	4.5	4.98	2.64	5.9	14.62	5.75	5.1	9.09	5.21	4.29	4.39	10.26
Altman's Z-Score	0.11	0.11	0.1	0.11	0.12	0.11	0.12	0.11	0.11	0.1	0.1	0.12	0.12	0.12	0.11

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	3.43	4.83	3.74	3.98	4.89	4.71	5.05	5.49	5.66	5.13	4.85	4.27	7.02	- -	- -
Days Sales Outstanding	106.4	75.55	97.59	91.75	74.61	77.42	72.31	66.44	64.44	71.22	75.22	85.43	51.98	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	40	32	30	28	27	29	35	46	193	533	732	106	222	443	528
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	58	58	58	58	58	58
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	95	118	109	132	241	308	328	316	318	90	125	271	143	146	313
Enterprise Value	-583	-651	-607	-582	-332	-217	-117	-247	-417	-970	-1,246	-149	-364	-708	-572
Total Capital	175	207	206	243	364	442	476	488	519	367	444	635	546	585	796
Total Debt/Capital (%)	54.29	57.1	52.8	54.47	66.17	69.61	68.86	64.76	61.2	24.57	28.26	42.6	26.09	24.89	39.35
Total Debt / EV	-0.16	-0.18	-0.18	-0.23	-0.73	-1.42	-2.8	-1.28	-0.76	-0.09	-0.1	-1.81	-0.39	-0.21	-0.55
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	55	86	79	104	214	278	293	270	125	-385	-549	222	-22	-240	-157
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	59	66	73	89	90	97	110	123	139	160	189	220	218	222	277
TTM EBITDA	2	2	3	4	4	4	5	5	6	6	6	7	8	8	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	30	28	34	29	34	27	31	45	52	29	59	64	47	72	65
TTM Free Cash Flow to Firm	32	30	39	35	40	37	36	48	61	34	65	76	58	88	71

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-583	-651	-607	-582	-332	-217	-117	-247	-417	-970	-1,246	-149	-364	-708	-572
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.75	25.75	24.75	17	20.8	23.08
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.94	1.31	1.08	1.17	2.39	2.87	2.65	2.2	0.9	- -	- -	1.01	- -	- -	- -
EV/Sales High	0.94	1.31	1.08	1.17	2.39	2.87	2.65	2.2	0.9	- -	- -	1.01	- -	- -	- -
EV/Sales Low	0.94	1.31	1.08	1.17	2.39	2.87	2.65	2.2	0.9	- -	- -	1.01	- -	- -	- -
EV/EBITDA Average	26.58	38.8	29.78	25.24	52.95	62.1	55.82	56.16	20.95	-63.28	-87.96	33.81	-2.81	-28.99	-14.38
EV/EBITDA High	26.58	38.8	29.78	25.24	52.95	62.1	55.82	56.16	20.95	-63.28	-87.96	33.81	-2.81	-28.99	-14.38
EV/EBITDA Low	26.58	38.8	29.78	25.24	52.95	62.1	55.82	56.16	20.95	-63.28	-87.96	33.81	-2.81	-28.99	-14.38
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.02	27.25	25.55	21.73	25	25
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	26.16	29.21	28.31	27.97	25.6	25.75
Enterprise Value Average	55	86	79	104	214	278	293	270	125	-385	-549	222	-22	-240	-157
Enterprise Value High	55	86	79	104	214	278	293	270	125	-385	-549	222	-22	-240	-157
Enterprise Value Low	55	86	79	104	214	278	293	270	125	-385	-549	222	-22	-240	-157

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	12	12	14	14	14	14	15	15	15	17	17	21	21	21	29
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

CNB Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)