8-K Announcements
6Apr 22, 2026·SEC
Apr 20, 2026·SEC
Apr 20, 2026·SEC
CNB Financial Corporation (CCNE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CNB Financial Corporation (CCNE) stock price & volume — 10-year historical chart
CNB Financial Corporation (CCNE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
CNB Financial Corporation (CCNE) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.88vs $0.82+7.3% | $84Mvs $85M-0.8% |
| Q2 2026 | Mar 11, 2026 | $1.14 | $112M |
| Q1 2026 | Jan 27, 2026 | $0.88vs $0.77+14.3% | $87Mvs $85M+2.8% |
| Q4 2025 | Oct 30, 2025 | $0.82vs $0.78+5.1% | $76Mvs $76M+1.2% |
CNB Financial Corporation (CCNE) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
CNB Financial Corporation (CCNE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CNB Financial Corporation (CCNE) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 90.79M | 103.9M | 115.18M | 128.89M | 159.52M | 189.5M | 189.36M | 187.09M | 242.04M |
| 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 Income | 108.87M | 131.87M | 155.73M | 161.35M | 179.6M | 213.58M | 293.23M | 325.1M | 392.35M |
| Interest Expense | 17.36M | 26.95M | 39.53M | 32.46M | 19.82M | 24.08M | 103.87M | 138M | 150.31M |
| Loan Loss Provision | 6.66M | 6.07M | 6.02M | 15.35M | 6M | 8.59M | 5.99M | 9.22M | 8.86M |
| Non-Interest Income | 18.78M | 17.89M | 23.08M | 30.74M | 29.6M | 30.12M | 28.78M | 34.91M | 12.52M |
| 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 Expense | 67.39M | 76.51M | 84.62M | 104.19M | 112.6M | 132.82M | 140.32M | 145.43M | 163.23M |
| Efficiency Ratio | 52.79% | 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 Tax | 12.39M | 6.51M | 8.56M | 7.35M | 13.07M | 15.03M | 13.81M | 12.78M | 16.33M |
| 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) | 23.86M | 33.72M | 40.08M | 32.74M | 57.71M | 63.19M | 58.02M | 54.58M | 66.13M |
| 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) | 1.57 | 2.22 | 2.63 | 1.97 | 3.16 | 3.26 | 2.56 | 2.40 | 2.51 |
| Diluted Shares Outstanding | 15.13M | 15.21M | 15.16M | 16.83M | 16.82M | 21.01M | 20.94M | 20.9M | 24.67M |
CNB Financial Corporation (CCNE) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 445.05M | 562.43M | 735.29M | 1.12B | 1.43B | 477.69M | 564M | 846.54M | 662.53M |
| Cash & Due from Banks | 35.34M | 45.56M | 192.97M | 532.69M | 732.2M | 106.28M | 221.87M | 443.04M | 78.2M |
| Short Term Investments | 409.71M | 516.86M | 542.31M | 584.91M | 697.19M | 371.41M | 341.95M | 403.51M | 584.33M |
| Total Investments | 2.54B | 2.97B | 3.33B | 3.93B | 4.31B | 5.02B | 5.16B | 5.35B | 7.78B |
| Investments Growth % | 7.47% | 17.16% | 11.97% | 18.12% | 9.53% | 16.54% | 2.91% | 3.56% | 45.54% |
| Long-Term Investments | 2.13B | 2.46B | 2.79B | 3.35B | 3.61B | 4.65B | 4.82B | 4.94B | 7.77B |
| Accounts Receivables | 20.44M | 24.27M | 24.91M | 37.38M | 40.68M | 62.13M | 0 | 0 | 6.43B |
| Goodwill & Intangibles | 41.74M | 40.95M | 40.46M | 45.84M | 45.87M | 45.92M | 45.71M | 45.33M | 88.51M |
| Goodwill | 38.73M | 38.73M | 38.73M | 43.75M | 43.75M | 43.75M | 43.87M | 43.87M | 54.82M |
| Intangible Assets | 3.01M | 2.22M | 1.73M | 2.09M | 2.12M | 2.17M | 1.83M | 1.46M | 33.69M |
| PP&E (Net) | 50.72M | 49.92M | 73.29M | 78.47M | 81.59M | 100.84M | 109.4M | 128.73M | 0 |
| Other Assets | 83.7M | 88.74M | 104.22M | 104.14M | 123M | 142.24M | 212.26M | 227.47M | -7.77B |
| Total Current Assets | 465.5M | 586.69M | 760.2M | 1.15B | 1.47B | 539.83M | 564M | 846.54M | 7.09B |
| Total Non-Current Assets | 2.3B | 2.63B | 3B | 3.57B | 3.86B | 4.94B | 5.19B | 5.35B | 88.51M |
| 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 Payable | 29.07M | 32.17M | 38.48M | 41.45M | 45.03M | 51.27M | 0 | 0 | 0 |
| Total Debt | 327.98M | 315.74M | 317.89M | 90.07M | 125.44M | 403.1M | 142.54M | 145.5M | 331.29M |
| Net Debt | 292.63M | 270.17M | 124.92M | -442.63M | -606.76M | 296.82M | -79.51M | -297.53M | 253.09M |
| Long-Term Debt | 293.56M | 70.62M | 70.62M | 70.62M | 104.28M | 104.58M | 104.89M | 105.19M | 105.49M |
| Short-Term Debt | 34.42M | 245.12M | 227.91M | 0 | 0 | 264.79M | 0 | 0 | 171.4M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | -132.4M | 40.42M | 64.45M | 7.19B |
| Total Current Liabilities | 2.23B | 2.89B | 3.37B | 4.22B | 4.76B | 4.94B | 5B | 5.37B | 164M |
| Total Non-Current Liabilities | 293.56M | 70.62M | 89.98M | 90.07M | 125.44M | 5.91M | 182.96M | 209.95M | 7.35B |
| Total Liabilities | 2.52B | 2.96B | 3.46B | 4.31B | 4.89B | 4.94B | 5.18B | 5.58B | 7.52B |
| 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 Share | 16.12 | 17.28 | 20.11 | 24.72 | 26.33 | 25.27 | 27.27 | 29.22 | 35.35 |
| Tangible BV per Share | 13.36 | 14.59 | 17.44 | 22.00 | 23.60 | 23.08 | 25.09 | 27.05 | 31.76 |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Additional Paid-in Capital | 97.04M | 97.6M | 99.33M | 127.52M | 127.35M | 221.55M | 220.5M | 219.88M | 422.65M |
| Retained Earnings | 148.3M | 171.78M | 201.5M | 218.73M | 260.58M | 306.91M | 345.94M | 381.3M | 424.94M |
| Accumulated OCI | -343K | -4M | 6.94M | 15.07M | -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 Stock | 0 | 0 | 0 | 57.78M | 57.78M | 57.78M | 57.78M | 57.78M | 57.78M |
CNB Financial Corporation (CCNE) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 30.76M | 44.85M | 51.91M | 28.76M | 58.92M | 64.05M | 47.02M | 71.51M | 64.98M |
| Operating CF Growth % | 14.94% | 45.81% | 15.72% | -44.6% | 104.88% | 8.71% | -26.59% | 52.08% | -9.13% |
| Net Income | 23.86M | 33.72M | 40.08M | 32.74M | 57.71M | 63.19M | 58.02M | 54.58M | 66.13M |
| Depreciation & Amortization | 5.24M | 4.81M | 5.96M | 6.08M | 6.24M | 6.57M | 7.74M | 8.27M | 10.91M |
| Deferred Taxes | 3.38M | -1.08M | -204K | 1.39M | -1.69M | -1.81M | 1.11M | -1.18M | 5.07M |
| Other Non-Cash Items | -2.17M | 4.32M | 39K | -2.78M | -11.55M | -5.73M | -1.5M | -232K | -9.8M |
| Working Capital Changes | -477K | 1.53M | 4.68M | -10.09M | 6.73M | 507K | -20.09M | 7.86M | -9.99M |
| Cash from Investing | -203.65M | -452.68M | -368.74M | -168.68M | -409.76M | -804.7M | -149.46M | -203.28M | 27.64M |
| Purchase of Investments | -23.69M | -190.92M | -122.79M | -226.53M | -341.55M | -262.68M | -19.62M | -191.25M | -335.82M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | -22.69M | -189.92M | -121.79M | -225.53M | -340.55M | -261.68M | -18.62M | -190.25M | -334.82M |
| Acquisitions | 1.08M | 0 | 0 | 72.85M | 0 | 0 | 0 | 0 | 27.4M |
| Other Investing | -284.47M | -335.5M | -346.57M | -236.97M | -266.24M | -645.92M | -191.97M | -145.89M | -132.31M |
| Cash from Financing | 179.05M | 418.04M | 464.11M | 479.64M | 550.34M | 114.73M | 218.2M | 352.76M | -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 Issued | 19.29M | 0 | 1.42M | 3.26M | 0 | 94.05M | 0 | 0 | 0 |
| Net Stock Activity | 17.42M | -2.45M | 132K | 1.95M | -1.16M | 92.38M | -6.72M | -643K | -333K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 0 | -1000K |
| Other Financing | 151.37M | 442.97M | 491.54M | 659.94M | 533.88M | -93.18M | 376.31M | 372.61M | 288.06M |
| 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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 29.18M | 35.34M | 45.56M | 192.97M | 532.69M | 732.2M | 106.28M | 222.05M | 443.04M |
| Cash at End | 35.34M | 45.56M | 192.97M | 532.69M | 732.2M | 106.28M | 222.05M | 443.04M | 527.9M |
| Interest Paid | 17.48M | 26.55M | 39.28M | 32.96M | 20.03M | 26.8M | 102.16M | 134.4M | 0 |
| Income Taxes Paid | 7.81M | 7.05M | 8.01M | 9.52M | 11.79M | 17.42M | 12.01M | 12.91M | 0 |
| 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% |
CNB Financial Corporation (CCNE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 3.14% | 3.28% | 3.23% | 3.06% | 2.73% | 2.99% | 3.46% | 3.29% | 3.02% | 2.88% |
| Efficiency Ratio | 59.24% | 52.79% | 51.09% | 47.32% | 54.24% | 53.82% | 54.5% | 43.58% | 40.4% | 40.32% |
| Equity / Assets | 8.23% | 8.81% | 8.16% | 8.1% | 8.8% | 8.31% | 9.69% | 9.93% | 9.86% | 10.39% |
| Book Value / Share | 14.73 | 16.12 | 17.28 | 20.11 | 24.72 | 26.33 | 25.27 | 27.27 | 29.22 | 35.35 |
| NII Growth | 8.92% | 12.49% | 14.45% | 10.85% | 11.91% | 23.76% | 18.79% | -0.08% | -1.2% | 29.37% |
| Dividend Payout | 46.48% | 42.31% | 30.36% | 25.84% | 33.54% | 20.01% | 19.87% | 25.33% | 27.32% | 27.51% |
CNB Financial Corporation (CCNE) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Apr 20, 2026·SEC
Apr 20, 2026·SEC
CNB Financial Corporation (CCNE) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
CNB Financial Corporation (CCNE) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates