WallStSmart

CNB Financial Corporation (CCNE)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 1469770% more annual revenue ($4.02T vs $273.35M). MFG leads profitability with a 26.1% profit margin vs 24.2%. MFG appears more attractively valued with a PEG of 0.86. CCNE earns a higher WallStSmart Score of 81/100 (A-).

CCNE

Exceptional Buy

81

out of 100

Grade: A-

Growth: 9.3Profit: 7.0Value: 10.0Quality: 7.0
Piotroski: 3/9Altman Z: 1.21

MFG

Strong Buy

74

out of 100

Grade: B

Growth: 8.0Profit: 7.5Value: 10.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CCNEUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$116.53

Current Price

$28.33

$88.20 discount

UndervaluedFair: $116.53Overvalued
MFGUndervalued (+42.4%)

Margin of Safety

+42.4%

Fair Value

$17.51

Current Price

$7.81

$9.70 discount

UndervaluedFair: $17.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCNE6 strengths · Avg: 9.8/10
P/E RatioValuation
11.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
50.9%10/10

Strong operational efficiency at 50.9%

Revenue GrowthGrowth
80.5%10/10

Revenue surging 80.5% year-over-year

EPS GrowthGrowth
65.8%10/10

Earnings expanding 65.8% YoY

Profit MarginProfitability
24.2%9/10

Keeps 24 of every $100 in revenue as profit

MFG6 strengths · Avg: 9.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Operating MarginProfitability
36.3%10/10

Strong operational efficiency at 36.3%

Market CapQuality
$92.84B9/10

Large-cap with strong market position

Profit MarginProfitability
26.1%9/10

Keeps 26 of every $100 in revenue as profit

PEG RatioValuation
0.868/10

Growing faster than its price suggests

P/E RatioValuation
14.3x8/10

Attractively priced relative to earnings

Areas to Watch

CCNE3 concerns · Avg: 2.7/10
Market CapQuality
$813.49M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
1.212/10

Distress zone — elevated risk

MFG0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : CCNE

The strongest argument for CCNE centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 24.2% and operating margin at 50.9%. Revenue growth of 80.5% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.

Bear Case : CCNE

The primary concerns for CCNE are Market Cap, Piotroski F-Score, Altman Z-Score.

Bear Case : MFG

No major red flags identified for MFG, but monitor valuation.

Key Dynamics to Monitor

CCNE profiles as a growth stock while MFG is a mature play — different risk/reward profiles.

CCNE carries more volatility with a beta of 0.70 — expect wider price swings.

CCNE is growing revenue faster at 80.5% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CCNE scores higher overall (81/100 vs 74/100), backed by strong 24.2% margins and 80.5% revenue growth. MFG offers better value entry with a 42.4% margin of safety. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

CNB Financial Corporation

FINANCIAL SERVICES · BANKS - REGIONAL · USA

CNB Financial Corporation is the banking holding company for CNB Bank offering a range of banking products and services for individual, commercial, government and institutional clients. The company is headquartered in Clearfield, Pennsylvania.

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Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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