CNB Financial Corporation (CCNE) vs Five Star Bancorp (FSBC)
A side-by-side comparison of CNB Financial Corporation and Five Star Bancorp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — CCNE vs FSBC
growth of $100 · dividends reinvested · last 10yCCNE vs FSBC: by the numbers
- •FSBC is the larger company ($1.05B vs $1.00B market cap).
- •CCNE trades at the lower trailing earnings multiple (10.93 vs 12.85 P/E), one valuation lens rather than an overall verdict.
- •FSBC converts more revenue to profit (25.88% vs 20.46% net margin).
- •FSBC grew revenue faster over the past five years (26.69% vs 18.16% CAGR).
- •CCNE pays the higher dividend yield (2.21% vs 2.19%).
Metrics side by side
Valuation
| Metric | CCNE | FSBC |
|---|---|---|
| P/E ratio | 10.93 | 12.85 |
| Forward P/E | 9.56 | 12.41 |
| PEG ratio | 2.20 | 2.30 |
| P/S ratio | 2.14 | 3.76 |
| P/B ratio | 1.18 | 2.21 |
Profitability
| Metric | CCNE | FSBC |
|---|---|---|
| Operating margin | 23.26% | 34.63% |
| Net margin | 20.46% | 25.88% |
| ROE | 10.56% | 15.20% |
CNB Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Five Star Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | CCNE | FSBC |
|---|---|---|
| Dividend yield | 2.21% | 2.19% |
| Payout ratio | 24.19% | 28.11% |
Growth (annualized)
| Metric | CCNE | FSBC |
|---|---|---|
| Revenue CAGR (5Y) | 18.16% | 26.69% |
| EPS CAGR (5Y) | 4.96% | 5.59% |
| Total return CAGR (5Y) | 10.15% | 15.10% |
Frequently asked
- Which has the lower trailing P/E, CCNE or FSBC?
- CCNE has the lower trailing P/E: CCNE trades at 10.93 and FSBC at 12.85. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCNE or FSBC?
- Over the past five years, FSBC grew revenue faster — CCNE at a 18.16% CAGR versus FSBC at 26.69%.
- Does CCNE or FSBC pay a bigger dividend?
- CCNE yields 2.21% and FSBC yields 2.19% based on trailing dividends and the latest price.
- Is CCNE or FSBC more profitable?
- FSBC runs the higher net margin — CCNE at 20.46% versus FSBC at 25.88%.
- How have CCNE and FSBC total returns compared?
- Over the past 10 years, CCNE delivered 8.22% and FSBC delivered 14.90% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
CNB Financial & Five Star Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.