Head to Head Analysis: CNB Financial (CCNE) and Entegra Financial (ENFC)

CNB Financial (NASDAQ: CCNE) and Entegra Financial (NASDAQ:ENFC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, valuation, profitability, earnings, institutional ownership, analyst recommendations and risk.

Analyst Recommendations

This is a breakdown of current ratings and price targets for CNB Financial and Entegra Financial, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CNB Financial 0 0 1 0 3.00
Entegra Financial 0 1 2 0 2.67

Entegra Financial has a consensus target price of $29.50, indicating a potential upside of 2.61%. Given Entegra Financial’s higher possible upside, analysts clearly believe Entegra Financial is more favorable than CNB Financial.

Dividends

CNB Financial pays an annual dividend of $0.66 per share and has a dividend yield of 2.4%. Entegra Financial does not pay a dividend. CNB Financial pays out 39.1% of its earnings in the form of a dividend.

Insider & Institutional Ownership

42.9% of CNB Financial shares are owned by institutional investors. Comparatively, 46.1% of Entegra Financial shares are owned by institutional investors. 4.4% of CNB Financial shares are owned by company insiders. Comparatively, 3.9% of Entegra Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

This table compares CNB Financial and Entegra Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CNB Financial 20.28% 10.94% 0.96%
Entegra Financial 16.06% 6.87% 0.69%

Volatility & Risk

CNB Financial has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500. Comparatively, Entegra Financial has a beta of 0.38, indicating that its share price is 62% less volatile than the S&P 500.

Valuation and Earnings

This table compares CNB Financial and Entegra Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CNB Financial $112.01 million 3.75 $20.54 million $1.69 16.25
Entegra Financial $48.37 million 4.07 $6.37 million $1.33 21.62

CNB Financial has higher revenue and earnings than Entegra Financial. CNB Financial is trading at a lower price-to-earnings ratio than Entegra Financial, indicating that it is currently the more affordable of the two stocks.

Summary

CNB Financial beats Entegra Financial on 10 of the 16 factors compared between the two stocks.

CNB Financial Company Profile

CNB Financial Corporation is a financial holding company. The Company is the holding company of CNB Bank (the Bank); CNB Securities Corporation, which maintains investments in debt and equity securities; CNB Insurance Agency, which provides for the sale of nonproprietary annuities and other insurance products, and Holiday Financial Services Corporation, which offers small balance unsecured loans and secured loans, primarily collateralized by automobiles and equipment. The Bank is a full service bank engaging in a range of banking activities and services for individual, business, governmental and institutional customers. The Bank’s Wealth & Asset Management Services division offers a range of client services. The Bank’s activities include checking, savings and time deposit accounts; real estate loans, commercial loans, industrial loans, residential loans and consumer loans, and other specialized financial services.

Entegra Financial Company Profile

Entegra Financial Corp. is the holding company for Entegra Bank. The Company provides a range of financial services through full-service offices located in Cherokee, Henderson, Jackson, Macon, Polk and Transylvania counties, North Carolina and Anderson, Greenville, and Spartanburg counties, South Carolina. It provides full service retail and commercial banking products, as well as wealth management services through a third party. It operates through retail banking segment. Entegra Bank is a chartered savings bank. The Bank’s business consists primarily of accepting deposits from individuals and small businesses and investing those deposits, together with funds generated from operations and borrowings, primarily in loans secured by real estate, including commercial real estate loans, one- to four-family residential loans, construction loans, and home equity loans and lines of credit. It also originates commercial business loans and invests in investment securities.

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