CNB Financial Corporation (CCNEP) vs Heritage Financial Corporation (HFWA)
A side-by-side comparison of CNB Financial Corporation and Heritage Financial Corporation 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 HFWA
growth of $100 · dividends reinvested · last 6yCCNEP vs HFWA: by the numbers
- •HFWA is the larger company ($1.15B vs $1.02B market cap).
- •CCNEP trades at the lower trailing earnings multiple (7.93 vs 13.22 P/E), one valuation lens rather than an overall verdict.
- •HFWA converts more revenue to profit (23.17% vs 20.46% net margin).
- •CCNEP grew revenue faster over the past five years (18.16% vs 5.82% CAGR).
- •CCNEP pays the higher dividend yield (7.20% vs 3.48%).
Metrics side by side
Valuation
| Metric | CCNEP | HFWA |
|---|---|---|
| P/E ratio | 7.93 | 13.22 |
| Forward P/E | 6.93 | 14.15 |
| PEG ratio | 1.60 | 1.51 |
| P/S ratio | 2.17 | 3.42 |
| P/B ratio | 1.19 | 1.04 |
Profitability
| Metric | CCNEP | HFWA |
|---|---|---|
| Operating margin | 23.26% | 23.15% |
| Net margin | 20.46% | 23.17% |
| ROE | 10.56% | 7.02% |
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.
Heritage 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.
Dividends
| Metric | CCNEP | HFWA |
|---|---|---|
| Dividend yield | 7.20% | 3.48% |
| Payout ratio | 57.46% | 45.97% |
Growth (annualized)
| Metric | CCNEP | HFWA |
|---|---|---|
| Revenue CAGR (5Y) | 18.16% | 5.82% |
| EPS CAGR (5Y) | 4.96% | 9.06% |
| Total return CAGR (5Y) | 5.00% | 5.89% |
Frequently asked
- Which has the lower trailing P/E, CCNEP or HFWA?
- CCNEP has the lower trailing P/E: CCNEP trades at 7.93 and HFWA at 13.22. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CCNEP or HFWA?
- Over the past five years, CCNEP grew revenue faster — CCNEP at a 18.16% CAGR versus HFWA at 5.82%.
- Does CCNEP or HFWA pay a bigger dividend?
- CCNEP yields 7.20% and HFWA yields 3.48% based on trailing dividends and the latest price.
- Is CCNEP or HFWA more profitable?
- HFWA runs the higher net margin — CCNEP at 20.46% versus HFWA at 23.17%.
- How have CCNEP and HFWA total returns compared?
- Over the past 5 years, CCNEP delivered 5.00% and HFWA delivered 5.89% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
CNB Financial & Heritage Financial 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.