Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.03 | 9.14 | 9.16 | 8.23 | 5.95 | 30.25 | 9.22 | 11.35 | 9.42 | 9.86 | 9.11 | 9.27 | 9.11 | 7.55 | 7.23 | 6.58 | 8.50 | 7.96 | 7.11 | 7.83 | 8.28 |
| — | -69.8% | -0.6% | -27.5% | -36.8% | +206.8% | +1.2% | +22.5% | +3.4% | +30.7% | +26.0% | +41.0% | +7.2% | -5.2% | +1.7% | -16.1% | +2.6% | +7.3% | -5.2% | -0.7% | -37.8% | |
| P/S Ratio | 3.31 | 2.80 | 2.84 | 2.91 | 2.70 | 1.83 | 1.99 | 2.09 | 2.24 | 2.20 | 1.99 | 2.01 | 2.10 | 1.76 | 1.72 | 1.87 | 2.14 | 2.20 | 1.91 | 2.16 | 2.24 |
| — | +53.2% | +42.2% | +39.3% | +20.6% | -16.8% | +0.5% | +3.9% | +6.4% | +24.8% | +15.5% | +7.6% | -1.8% | -20.0% | -10.2% | -13.7% | -4.2% | +3.0% | -10.9% | -2.6% | +17.3% | |
| P/B Ratio | 1.01 | 1.08 | 1.09 | 0.96 | 0.88 | 0.66 | 0.75 | 0.75 | 0.85 | 0.83 | 0.73 | 0.74 | 0.83 | 0.69 | 0.67 | 0.74 | 0.95 | 0.96 | 0.96 | 1.04 | 1.01 |
| — | +62.8% | +45.6% | +28.6% | +3.6% | -20.3% | +3.3% | +1.3% | +3.0% | +20.4% | +8.0% | -0.6% | -12.6% | -28.5% | -29.9% | -28.8% | -6.3% | +3.0% | +7.5% | +5.1% | +17.1% | |
| P/FCF | 12.55 | 67.45 | 6.91 | 11.32 | 7.41 | 28.29 | 6.69 | 11.78 | 6.90 | 5.66 | 25.78 | 10.62 | 7.46 | 8.52 | 11.85 | 77.41 | 5.77 | 10.22 | 6.39 | 57.91 | 5.83 |
| — | +138.4% | +3.2% | -3.9% | +7.4% | +399.9% | -74.0% | +10.9% | -7.5% | -33.5% | +117.6% | -86.3% | +29.3% | -16.7% | +85.3% | +33.7% | -1.2% | +47.8% | -41.3% | +441.8% | -51.2% | |
| EV / EBITDA | 5.84 | 6.60 | 7.61 | 10.31 | 3.04 | 9.20 | 2.59 | 1.38 | 2.64 | 3.73 | 3.29 | 3.85 | 5.14 | 4.44 | 5.08 | 5.14 | 9.42 | 4.70 | 3.07 | 2.07 | -2.12 |
| — | -28.2% | +193.4% | +645.7% | +15.1% | +146.5% | -21.3% | -64.1% | -48.6% | -15.9% | -35.1% | -25.0% | -45.4% | -5.6% | +65.4% | +148.3% | +544.3% | +348.0% | +228.6% | +205.7% | -15.1% | |
| EV / EBIT | 10.25 | 6.60 | 8.45 | 11.93 | 3.32 | 12.43 | 2.87 | 1.58 | 2.98 | 4.15 | 3.71 | 4.33 | 5.73 | 4.94 | 5.65 | 5.62 | 10.05 | 5.10 | 3.35 | 2.26 | -2.26 |
| — | -46.9% | +194.2% | +654.8% | +11.2% | +199.5% | -22.6% | -63.5% | -47.9% | -16.1% | -34.3% | -23.0% | -43.0% | -3.1% | +68.5% | +148.4% | +544.5% | +346.7% | +227.9% | +205.3% | -4.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.5% | 96.0% | 98.0% | 100.0% | 121.8% | 75.8% | 92.8% | 97.2% | 95.0% | 95.8% | 95.2% | 97.5% | 97.8% | 98.2% | 95.8% | 97.6% | 95.0% | 98.3% | 94.6% | 96.8% | 98.4% |
| — | +26.6% | +5.6% | +2.9% | +28.2% | -20.9% | -2.5% | -0.3% | -2.9% | -2.4% | -0.7% | -0.1% | +3.0% | -0.0% | +1.3% | +0.9% | -3.5% | +0.5% | -1.1% | +1.1% | +5.5% | |
| Operating Margin | 32.4% | 37.8% | 40.1% | 31.6% | 58.7% | 11.9% | 28.8% | 25.7% | 32.1% | 30.2% | 29.8% | 29.1% | 30.6% | 31.9% | 31.9% | 37.6% | 33.9% | 36.6% | 35.6% | 36.6% | 35.5% |
| — | +218.3% | +39.4% | +22.7% | +82.9% | -60.6% | -3.4% | -11.7% | +5.0% | -5.2% | -6.6% | -22.6% | -10.0% | -12.9% | -10.5% | +3.0% | -4.3% | -4.8% | -7.6% | -2.4% | +70.5% | |
| Net Margin | 26.0% | 32.0% | 32.3% | 36.9% | 47.3% | 9.2% | 23.3% | 20.6% | 26.0% | 24.4% | 24.1% | 23.8% | 24.9% | 25.5% | 25.7% | 30.4% | 27.1% | 29.4% | 29.0% | 29.8% | 29.3% |
| — | +246.6% | +38.7% | +79.1% | +82.1% | -62.2% | -3.5% | -13.4% | +4.1% | -4.5% | -6.1% | -21.9% | -8.1% | -13.2% | -11.5% | +2.3% | -7.4% | -5.4% | -7.2% | -2.4% | +74.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.9% | 3.1% | 3.1% | 3.1% | 3.9% | 1.0% | 2.2% | 1.9% | 2.5% | 2.3% | 2.2% | 2.2% | 2.5% | 2.5% | 2.5% | 3.1% | 3.0% | 3.5% | 3.6% | 3.5% | 3.3% |
| — | +223.9% | +42.3% | +65.1% | +58.4% | -59.3% | -0.5% | -15.2% | -0.8% | -6.4% | -11.9% | -28.4% | -17.8% | -29.4% | -30.6% | -12.8% | -8.7% | +3.0% | +10.1% | +3.2% | +75.4% | |
| ROA | 0.9% | 0.3% | 0.3% | 0.3% | 0.4% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +245.1% | +50.9% | +73.8% | +63.8% | -58.8% | -0.2% | -15.7% | +1.4% | -2.7% | -9.8% | -26.9% | -17.3% | -23.1% | -15.7% | +3.8% | +6.4% | +9.2% | +4.8% | -2.4% | +66.2% | |
| ROIC | 6.4% | 2.1% | 2.2% | 1.4% | 2.7% | 0.7% | 1.7% | 1.4% | 1.9% | 1.8% | 1.7% | 1.6% | 1.8% | 1.9% | 1.7% | 1.8% | 1.9% | 2.6% | 2.6% | 2.5% | 2.2% |
| — | +208.4% | +31.3% | +2.3% | +43.2% | -60.3% | +0.7% | -12.6% | +1.4% | -5.6% | -4.7% | -9.2% | -2.8% | -27.9% | -32.0% | -28.9% | -16.3% | +13.3% | +9.7% | -3.2% | +81.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.36 | 0.24 | 0.31 | 0.37 | 0.36 | 0.39 | 0.23 | 0.23 | 0.24 | 0.24 | 0.24 | 0.25 | 0.25 | 0.26 | 0.26 | 0.44 | 0.76 | 0.26 | 0.31 | 0.31 | 0.28 |
| — | -38.6% | +35.3% | +59.9% | +50.7% | +64.3% | -6.1% | -5.7% | -4.5% | -8.2% | -6.8% | -44.5% | -67.1% | +0.2% | -16.1% | +44.2% | +168.1% | -35.1% | -23.1% | +43.3% | +30.9% | |
| Debt / EBITDA | 3.35 | 6.61 | 7.18 | 12.35 | 6.87 | 26.99 | 7.60 | 8.86 | 6.92 | 7.53 | 7.89 | 8.24 | 7.47 | 7.48 | 7.49 | 10.88 | 19.03 | 5.96 | 6.35 | 6.41 | 6.65 |
| — | -75.5% | -5.5% | +39.4% | -0.7% | +258.5% | -3.7% | +7.5% | -7.4% | +0.6% | +5.3% | -24.3% | -60.7% | +25.4% | +17.9% | +69.8% | +186.2% | -31.5% | -30.7% | +36.6% | -15.7% | |
| Current Ratio | 0.13 | 0.16 | 0.72 | 0.67 | 0.13 | 0.12 | 0.17 | 0.18 | 0.16 | 0.14 | 0.14 | 0.13 | 0.11 | 0.12 | 0.11 | 0.13 | 0.11 | 0.14 | 0.16 | 0.21 | 0.31 |
| — | +43.1% | +314.8% | +280.5% | -16.8% | -18.8% | +28.3% | +37.2% | +39.7% | +21.6% | +23.8% | +2.0% | +3.2% | -16.3% | -30.3% | -39.5% | -64.6% | -57.3% | -50.9% | -29.7% | +12.9% | |
| Quick Ratio | 0.13 | 0.16 | 0.72 | 0.67 | 0.13 | 0.12 | 0.17 | 0.18 | 0.16 | 0.14 | 0.14 | 0.13 | 0.11 | 0.12 | 0.11 | 0.13 | 0.11 | 0.14 | 0.16 | 0.21 | 0.31 |
| — | +43.1% | +314.8% | +280.5% | -16.8% | -18.8% | +28.3% | +37.2% | +39.7% | +21.6% | +23.8% | +2.0% | +3.2% | -16.3% | -30.3% | -39.5% | -64.6% | -57.3% | -50.9% | -29.7% | +12.9% | |
| Interest Coverage | 0.55 | 0.86 | 0.89 | 0.60 | 1.01 | 0.22 | 0.51 | 0.42 | 0.54 | 0.48 | 0.46 | 0.47 | 0.54 | 0.61 | 0.68 | 1.07 | 1.71 | 3.84 | 5.50 | 5.15 | 4.15 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CCNE stock.
CNB Financial Corporation's current P/E is 9.0x. The average P/E over the last 4 quarters is 8.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CNB Financial Corporation's current operating margin is 32.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CNB Financial Corporation's business trajectory between earnings reports.