CNB Financial Corporation (CCNEP) 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 — CCNEP vs FSBC
growth of $100 · dividends reinvested · last 6yCCNEP vs FSBC: by the numbers
- •FSBC is the larger company ($1.05B vs $1.02B market cap).
- •CCNEP trades at the lower trailing earnings multiple (7.91 vs 12.89 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).
- •CCNEP pays the higher dividend yield (7.20% vs 2.19%).
Metrics side by side
Valuation
| Metric | CCNEP | FSBC |
|---|---|---|
| P/E ratio | 7.91 | 12.89 |
| Forward P/E | 6.92 | 12.45 |
| PEG ratio | 1.59 | 2.31 |
| P/S ratio | 2.16 | 3.77 |
| P/B ratio | 1.19 | 2.22 |
Profitability
| Metric | CCNEP | 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 | CCNEP | FSBC |
|---|---|---|
| Dividend yield | 7.20% | 2.19% |
| Payout ratio | 57.46% | 28.11% |
Growth (annualized)
| Metric | CCNEP | FSBC |
|---|---|---|
| Revenue CAGR (5Y) | 18.16% | 26.69% |
| EPS CAGR (5Y) | 4.96% | 5.59% |
| Total return CAGR (5Y) | 5.00% | 15.10% |
Frequently asked
- Which has the lower trailing P/E, CCNEP or FSBC?
- CCNEP has the lower trailing P/E: CCNEP trades at 7.91 and FSBC at 12.89. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCNEP or FSBC?
- Over the past five years, FSBC grew revenue faster — CCNEP at a 18.16% CAGR versus FSBC at 26.69%.
- Does CCNEP or FSBC pay a bigger dividend?
- CCNEP yields 7.20% and FSBC yields 2.19% based on trailing dividends and the latest price.
- Is CCNEP or FSBC more profitable?
- FSBC runs the higher net margin — CCNEP at 20.46% versus FSBC at 25.88%.
- How have CCNEP and FSBC total returns compared?
- Over the past 5 years, CCNEP delivered 5.00% and FSBC delivered 15.10% 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.