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CCNE logoCNB Financial Corporation(CCNE)Earnings, Financials & Key Ratios

CCNE•NASDAQ•Banking & Credit
$30.94
$912M mkt cap·12.3× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutCNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as various other specialized financial services. It also provides wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of February 8, 2022, the company operated a private banking division; three loan production office; one drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York, and Virginia. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.Show more
  • Net Interest Income$242M+29.4%
  • Total Revenue$405M+12.5%
  • Net Income$66M+21.2%
  • Return on Equity8.92%-3.4%
  • Net Interest Margin2.88%-4.6%
  • Efficiency Ratio40.32%-0.2%
  • ROA0.91%-0.8%
  • Equity / Assets10.39%+5.3%
  • Book Value per Share35.35+21.0%
  • Tangible BV/Share31.76+17.4%
  • Debt/Equity0.38+59.4%
Technical→

CCNE Key Insights

CNB Financial Corporation (CCNE) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 15.1%
  • ✓Efficient operations: 40.3% efficiency ratio
  • ✓Well capitalized: 10.4% equity/assets
  • ✓Healthy dividend yield of 2.4%
  • ✓Trading near 52-week high
  • ✓Trading at only 0.9x book value

✗Weaknesses

  • ✗Shares diluted 18.0% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CCNE Price & Volume

CNB Financial Corporation (CCNE) stock price & volume — 10-year historical chart

Loading chart...

CCNE Growth Metrics

CNB Financial Corporation (CCNE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.78%
5 Years16.08%
3 Years18.44%
TTM-

Profit CAGR

10 Years11.53%
5 Years15.1%
3 Years1.53%
TTM21.17%

EPS CAGR

10 Years5.01%
5 Years4.96%
3 Years-8.35%
TTM1.68%

Return on Capital

10 Years9.53%
5 Years9.77%
3 Years7.17%
Last Year1.82%

CCNE Recent Earnings

CNB Financial Corporation (CCNE) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 9/12 qtrs (82%)
Q2 2026Latest
Apr 20, 2026
EPS
$0.88
Est $0.82
+7.3%
Revenue
$84M
Est $85M
-0.8%
Q2 2026
Mar 11, 2026
EPS
$1.14
Revenue
$112M
Q1 2026
Jan 27, 2026
EPS
$0.88
Est $0.77
+14.3%
Revenue
$87M
Est $85M
+2.8%
Q4 2025
Oct 30, 2025
EPS
$0.82
Est $0.78
+5.1%
Revenue
$76M
Est $76M
+1.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 20, 2026
$0.88vs $0.82+7.3%
$84Mvs $85M-0.8%
Q2 2026Mar 11, 2026
$1.14
$112M
Q1 2026Jan 27, 2026
$0.88vs $0.77+14.3%
$87Mvs $85M+2.8%
Q4 2025Oct 30, 2025
$0.82vs $0.78+5.1%
$76Mvs $76M+1.2%
Based on last 12 quarters of dataView full earnings history →

CCNE Peer Comparison

CNB Financial Corporation (CCNE) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.36B45.2013.5710.36%9.51%0.17
FXNC logoFXNCFirst National CorporationDirect Competitor248.63M27.5014.0327.11%9.98%0.23
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor202.59M21.0414.41-9.41%7.81%0.28
PFIS logoPFISPeoples Financial Services Corp.Direct Competitor589.34M58.9010.0222.26%11.81%0.50
FUNC logoFUNCFirst United CorporationDirect Competitor243.7M37.5111.9116.94%12.52%1.05
FMNB logoFMNBFarmers National Banc Corp.Product Competitor558.59M14.219.800.88%12.01%0.76
NKSH logoNKSHNational Bankshares, Inc.Product Competitor233.78M36.7114.747.88%9.04%0.01
CZFS logoCZFSCitizens Financial Services, Inc.Product Competitor307.18M63.908.392.75%11.36%0.92

Compare CCNE vs Peers

CNB Financial Corporation (CCNE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NBTB

Most directly comparable listed peer for CCNE.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare CCNE against a more recognizable public peer.

Peer Set

Compare Top 5

vs NBTB, FXNC, CZWI, PFIS

CCNE Income Statement

CNB Financial Corporation (CCNE) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income90.79M103.9M115.18M128.89M159.52M189.5M189.36M187.09M242.04M
NII Growth %12.49%14.45%10.85%11.91%23.76%18.79%-0.08%-1.2%29.37%
Net Interest Margin %3.28%3.23%3.06%2.73%2.99%3.46%3.29%3.02%2.88%
Interest Income108.87M131.87M155.73M161.35M179.6M213.58M293.23M325.1M392.35M
Interest Expense17.36M26.95M39.53M32.46M19.82M24.08M103.87M138M150.31M
Loan Loss Provision6.66M6.07M6.02M15.35M6M8.59M5.99M9.22M8.86M
Non-Interest Income18.78M17.89M23.08M30.74M29.6M30.12M28.78M34.91M12.52M
Non-Interest Income %14.71%11.95%12.91%16%14.15%12.36%8.94%9.7%3.09%
Total Revenue
127.66M▲ 0%
149.76M▲ 17.3%
178.81M▲ 19.4%
192.09M▲ 7.4%
209.2M▲ 8.9%
243.7M▲ 16.5%
322.01M▲ 32.1%
360.01M▲ 11.8%
404.86M▲ 12.5%
Revenue Growth %15.93%17.31%19.4%7.43%8.91%16.49%32.13%11.8%12.46%
Non-Interest Expense67.39M76.51M84.62M104.19M112.6M132.82M140.32M145.43M163.23M
Efficiency Ratio52.79%51.09%47.32%54.24%53.82%54.5%43.58%40.4%40.32%
Operating Income
36.25M▲ 0%
40.23M▲ 11.0%
48.64M▲ 20.9%
40.09M▼ 17.6%
70.78M▲ 76.5%
78.21M▲ 10.5%
71.83M▼ 8.2%
67.36M▼ 6.2%
82.47M▲ 22.4%
Operating Margin %28.4%26.86%27.2%20.87%33.83%32.09%22.31%18.71%20.37%
Operating Income Growth %30.82%10.97%20.91%-17.58%76.55%10.51%-8.16%-6.22%22.43%
Pretax Income
36.25M▲ 0%
40.23M▲ 11.0%
48.64M▲ 20.9%
40.09M▼ 17.6%
70.78M▲ 76.5%
78.21M▲ 10.5%
71.83M▼ 8.2%
67.36M▼ 6.2%
82.47M▲ 22.4%
Pretax Margin %28.4%26.86%27.2%20.87%33.83%32.09%22.31%18.71%20.37%
Income Tax12.39M6.51M8.56M7.35M13.07M15.03M13.81M12.78M16.33M
Effective Tax Rate %34.18%16.18%17.6%18.33%18.47%19.21%19.22%18.98%19.81%
Net Income
23.86M▲ 0%
33.72M▲ 41.3%
40.08M▲ 18.9%
32.74M▼ 18.3%
57.71M▲ 76.2%
63.19M▲ 9.5%
58.02M▼ 8.2%
54.58M▼ 5.9%
66.13M▲ 21.2%
Net Margin %18.69%22.52%22.42%17.05%27.58%25.93%18.02%15.16%16.33%
Net Income Growth %16.16%41.32%18.87%-18.31%76.24%9.5%-8.18%-5.94%21.17%
Net Income (Continuing)23.86M33.72M40.08M32.74M57.71M63.19M58.02M54.58M66.13M
EPS (Diluted)
1.57▲ 0%
2.22▲ 41.4%
2.63▲ 18.5%
1.97▼ 25.1%
3.16▲ 60.4%
3.26▲ 3.2%
2.55▼ 21.8%
2.39▼ 6.3%
2.51▲ 5.0%
EPS Growth %10.56%41.4%18.47%-25.1%60.41%3.16%-21.78%-6.27%5.02%
EPS (Basic)1.572.222.631.973.163.262.562.402.51
Diluted Shares Outstanding15.13M15.21M15.16M16.83M16.82M21.01M20.94M20.9M24.67M

CCNE Balance Sheet

CNB Financial Corporation (CCNE) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments445.05M562.43M735.29M1.12B1.43B477.69M564M846.54M662.53M
Cash & Due from Banks35.34M45.56M192.97M532.69M732.2M106.28M221.87M443.04M78.2M
Short Term Investments409.71M516.86M542.31M584.91M697.19M371.41M341.95M403.51M584.33M
Total Investments2.54B2.97B3.33B3.93B4.31B5.02B5.16B5.35B7.78B
Investments Growth %7.47%17.16%11.97%18.12%9.53%16.54%2.91%3.56%45.54%
Long-Term Investments2.13B2.46B2.79B3.35B3.61B4.65B4.82B4.94B7.77B
Accounts Receivables20.44M24.27M24.91M37.38M40.68M62.13M006.43B
Goodwill & Intangibles41.74M40.95M40.46M45.84M45.87M45.92M45.71M45.33M88.51M
Goodwill38.73M38.73M38.73M43.75M43.75M43.75M43.87M43.87M54.82M
Intangible Assets3.01M2.22M1.73M2.09M2.12M2.17M1.83M1.46M33.69M
PP&E (Net)50.72M49.92M73.29M78.47M81.59M100.84M109.4M128.73M0
Other Assets83.7M88.74M104.22M104.14M123M142.24M212.26M227.47M-7.77B
Total Current Assets465.5M586.69M760.2M1.15B1.47B539.83M564M846.54M7.09B
Total Non-Current Assets2.3B2.63B3B3.57B3.86B4.94B5.19B5.35B88.51M
Total Assets
2.77B▲ 0%
3.22B▲ 16.4%
3.76B▲ 16.8%
4.73B▲ 25.7%
5.33B▲ 12.7%
5.48B▲ 2.7%
5.75B▲ 5.1%
6.19B▲ 7.6%
8.4B▲ 35.6%
Asset Growth %7.57%16.35%16.83%25.66%12.68%2.74%5.07%7.63%35.6%
Return on Assets (ROA)0.89%1.13%1.15%0.77%1.15%1.17%1.03%0.91%0.91%
Accounts Payable29.07M32.17M38.48M41.45M45.03M51.27M000
Total Debt327.98M315.74M317.89M90.07M125.44M403.1M142.54M145.5M331.29M
Net Debt292.63M270.17M124.92M-442.63M-606.76M296.82M-79.51M-297.53M253.09M
Long-Term Debt293.56M70.62M70.62M70.62M104.28M104.58M104.89M105.19M105.49M
Short-Term Debt34.42M245.12M227.91M00264.79M00171.4M
Other Liabilities00000-132.4M40.42M64.45M7.19B
Total Current Liabilities2.23B2.89B3.37B4.22B4.76B4.94B5B5.37B164M
Total Non-Current Liabilities293.56M70.62M89.98M90.07M125.44M5.91M182.96M209.95M7.35B
Total Liabilities2.52B2.96B3.46B4.31B4.89B4.94B5.18B5.58B7.52B
Total Equity
243.91M▲ 0%
262.83M▲ 7.8%
304.97M▲ 16.0%
416.14M▲ 36.5%
442.85M▲ 6.4%
530.76M▲ 19.9%
571.25M▲ 7.6%
610.7M▲ 6.9%
872.13M▲ 42.8%
Equity Growth %15.17%7.76%16.03%36.45%6.42%19.85%7.63%6.91%42.81%
Equity / Assets (Capital Ratio)8.81%8.16%8.1%8.8%8.31%9.69%9.93%9.86%10.39%
Return on Equity (ROE)10.47%13.31%14.12%9.08%13.44%12.98%10.53%9.23%8.92%
Book Value per Share16.1217.2820.1124.7226.3325.2727.2729.2235.35
Tangible BV per Share13.3614.5917.4422.0023.6023.0825.0927.0531.76
Common Stock000000000
Additional Paid-in Capital97.04M97.6M99.33M127.52M127.35M221.55M220.5M219.88M422.65M
Retained Earnings148.3M171.78M201.5M218.73M260.58M306.91M345.94M381.3M424.94M
Accumulated OCI-343K-4M6.94M15.07M-394K-52.52M-46.08M-43.57M-30.66M
Treasury Stock-1.09M-2.56M-2.81M-2.97M-2.48M-2.97M-6.89M-4.69M-2.58M
Preferred Stock00057.78M57.78M57.78M57.78M57.78M57.78M

CCNE Cash Flow Statement

CNB Financial Corporation (CCNE) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations30.76M44.85M51.91M28.76M58.92M64.05M47.02M71.51M64.98M
Operating CF Growth %14.94%45.81%15.72%-44.6%104.88%8.71%-26.59%52.08%-9.13%
Net Income23.86M33.72M40.08M32.74M57.71M63.19M58.02M54.58M66.13M
Depreciation & Amortization5.24M4.81M5.96M6.08M6.24M6.57M7.74M8.27M10.91M
Deferred Taxes3.38M-1.08M-204K1.39M-1.69M-1.81M1.11M-1.18M5.07M
Other Non-Cash Items-2.17M4.32M39K-2.78M-11.55M-5.73M-1.5M-232K-9.8M
Working Capital Changes-477K1.53M4.68M-10.09M6.73M507K-20.09M7.86M-9.99M
Cash from Investing-203.65M-452.68M-368.74M-168.68M-409.76M-804.7M-149.46M-203.28M27.64M
Purchase of Investments-23.69M-190.92M-122.79M-226.53M-341.55M-262.68M-19.62M-191.25M-335.82M
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity-22.69M-189.92M-121.79M-225.53M-340.55M-261.68M-18.62M-190.25M-334.82M
Acquisitions1.08M0072.85M000027.4M
Other Investing-284.47M-335.5M-346.57M-236.97M-266.24M-645.92M-191.97M-145.89M-132.31M
Cash from Financing179.05M418.04M464.11M479.64M550.34M114.73M218.2M352.76M-7.77M
Dividends Paid-10.09M-10.24M-10.36M-12.13M-15.85M-16.86M-19M-19.21M-22.49M
Share Repurchases-1.88M-2.45M-1.29M-1.31M-1.16M-1.67M-6.72M-643K-333K
Stock Issued19.29M01.42M3.26M094.05M000
Net Stock Activity17.42M-2.45M132K1.95M-1.16M92.38M-6.72M-643K-333K
Debt Issuance (Net)1000K-1000K-1000K-1000K1000K1000K-1000K0-1000K
Other Financing151.37M442.97M491.54M659.94M533.88M-93.18M376.31M372.61M288.06M
Net Change in Cash
6.16M▲ 0%
10.22M▲ 65.8%
147.41M▲ 1342.7%
339.72M▲ 130.5%
199.5M▼ 41.3%
-625.91M▼ 413.7%
115.76M▲ 118.5%
220.99M▲ 90.9%
84.86M▼ 61.6%
Exchange Rate Effect000000000
Cash at Beginning29.18M35.34M45.56M192.97M532.69M732.2M106.28M222.05M443.04M
Cash at End35.34M45.56M192.97M532.69M732.2M106.28M222.05M443.04M527.9M
Interest Paid17.48M26.55M39.28M32.96M20.03M26.8M102.16M134.4M0
Income Taxes Paid7.81M7.05M8.01M9.52M11.79M17.42M12.01M12.91M0
Free Cash Flow
25.55M▲ 0%
41.79M▲ 63.6%
42.86M▲ 2.6%
23.11M▼ 46.1%
52.44M▲ 126.9%
51.76M▼ 1.3%
36.05M▼ 30.4%
55.23M▲ 53.2%
59.79M▲ 8.3%
FCF Growth %53.54%63.56%2.57%-46.07%126.86%-1.28%-30.35%53.19%8.26%

CCNE Banking Ratios

CNB Financial Corporation (CCNE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.93%10.47%13.31%14.12%9.08%13.44%12.98%10.53%9.23%8.92%
Return on Assets (ROA)0.85%0.89%1.13%1.15%0.77%1.15%1.17%1.03%0.91%0.91%
Net Interest Margin3.14%3.28%3.23%3.06%2.73%2.99%3.46%3.29%3.02%2.88%
Efficiency Ratio59.24%52.79%51.09%47.32%54.24%53.82%54.5%43.58%40.4%40.32%
Equity / Assets8.23%8.81%8.16%8.1%8.8%8.31%9.69%9.93%9.86%10.39%
Book Value / Share14.7316.1217.2820.1124.7226.3325.2727.2729.2235.35
NII Growth8.92%12.49%14.45%10.85%11.91%23.76%18.79%-0.08%-1.2%29.37%
Dividend Payout46.48%42.31%30.36%25.84%33.54%20.01%19.87%25.33%27.32%27.51%

CCNE SEC Filings & Documents

CNB Financial Corporation (CCNE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 22, 2026·SEC

Material company update

Apr 20, 2026·SEC

Material company update

Apr 20, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 11, 2026·SEC

FY 2025

Mar 6, 2025·SEC

10-Q Quarterly Reports

5
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 7, 2025·SEC

CCNE Frequently Asked Questions

CNB Financial Corporation (CCNE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

CNB Financial Corporation (CCNE) grew revenue by 12.5% over the past year. This is steady growth.

Yes, CNB Financial Corporation (CCNE) is profitable, generating $66.1M in net income for fiscal year 2025 (16.3% net margin).

Dividend & Returns

Yes, CNB Financial Corporation (CCNE) pays a dividend with a yield of 2.38%. This makes it attractive for income-focused investors.

CNB Financial Corporation (CCNE) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.

Industry Metrics

CNB Financial Corporation (CCNE) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.

CNB Financial Corporation (CCNE) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.

Explore More CCNE

CNB Financial Corporation (CCNE) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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