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

CCNE•NASDAQ•Banking & Credit
12.7× P/E·Price updated Jun 17, 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%

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 2.3%
  • ✓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.

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CCNE Price & Volume

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

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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%
TTM1.26%

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
Metric
Actual
Est
EPS
$0.88+7.3%
$0.82
Rev
$84M-0.8%
$85M
Q2 2026
Mar 11, 2026
Metric
Actual
Est
EPS
$1.14
—
Rev
$112M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.88+14.3%
$0.77
Rev
$87M+2.8%
$85M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$0.82+5.1%
$0.78
Rev
$76M+1.2%
$76M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.42B46.3513.9210.36%18.76%9.51%0.17
FXNC logoFXNCFirst National CorporationDirect Competitor262.55M29.0414.8227.11%15.35%9.98%0.23
CZWI logoCZWICitizens Community Bancorp, Inc.Direct Competitor204.61M21.2514.55-9.41%16.01%7.81%0.28
PFIS logoPFISPeoples Financial Services Corp.Direct Competitor618.25M61.7910.5122.26%21.04%11.81%0.50
FUNC logoFUNCFirst United CorporationDirect Competitor265.65M40.8610.846.6%20.51%12.61%0.56
FMNB logoFMNBFarmers National Banc Corp.Product Competitor551.52M14.039.680.88%19.63%12.01%0.76
NKSH logoNKSHNational Bankshares, Inc.Product Competitor222.89M35.0014.067.88%18.57%9.04%0.01
CZFS logoCZFSCitizens Financial Services, Inc.Product Competitor319.44M66.458.722.75%21.09%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
90.79M103.9M115.18M128.89M159.52M189.5M189.36M187.09M242.04M
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 Income
108.87M131.87M155.73M161.35M179.6M213.58M293.23M325.1M392.35M
Interest Expense
17.36M26.95M39.53M32.46M19.82M24.08M103.87M138M150.31M
Loan Loss Provision
6.66M6.07M6.02M15.35M6M8.59M5.99M9.22M8.86M
Non-Interest Income
18.78M17.89M23.08M30.74M29.6M30.12M28.78M34.91M12.52M
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 Expense
67.39M76.51M84.62M104.19M112.6M132.82M140.32M145.43M163.23M
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
12.39M6.51M8.56M7.35M13.07M15.03M13.81M12.78M16.33M
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 Outstanding
15.13M15.21M15.16M16.83M16.82M21.01M20.94M20.9M24.67M

CCNE Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
445.05M562.43M735.29M1.12B1.43B477.69M564M846.54M662.53M
Cash & Due from Banks
35.34M45.56M192.97M532.69M732.2M106.28M221.87M443.04M78.2M
Short Term Investments
409.71M516.86M542.31M584.91M697.19M371.41M341.95M403.51M584.33M
Total Investments
2.54B2.97B3.33B3.93B4.31B5.02B5.16B5.35B7.27B
Investments Growth %
7.47%17.16%11.97%18.12%9.53%16.54%2.91%3.56%35.89%
Long-Term Investments
2.13B2.46B2.79B3.35B3.61B4.65B4.82B4.94B6.85B
Accounts Receivables
20.44M24.27M24.91M37.38M40.68M62.13M006.43B
Goodwill & Intangibles
41.74M40.95M40.46M45.84M45.87M45.92M45.71M45.33M88.51M
Goodwill
38.73M38.73M38.73M43.75M43.75M43.75M43.87M43.87M54.82M
Intangible Assets
3.01M2.22M1.73M2.09M2.12M2.17M1.83M1.46M33.69M
PP&E (Net)
50.72M49.92M73.29M78.47M81.59M100.84M109.4M128.73M0
Other Assets
83.7M88.74M104.22M104.14M123M142.24M212.26M227.47M-6.85B
Total Current Assets
465.5M586.69M760.2M1.15B1.47B539.83M564M846.54M7.09B
Total Non-Current Assets
2.3B2.63B3B3.57B3.86B4.94B5.19B5.35B88.51M
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 Payable
29.07M32.17M38.48M41.45M45.03M51.27M000
Total Debt
327.98M315.74M317.89M90.07M125.44M403.1M142.54M145.5M331.29M
Net Debt
292.63M270.17M124.92M-442.63M-606.76M296.82M-79.51M-297.53M253.09M
Long-Term Debt
293.56M70.62M70.62M70.62M104.28M104.58M104.89M105.19M105.49M
Short-Term Debt
34.42M245.12M227.91M00264.79M00171.4M
Other Liabilities
00000-132.4M40.42M64.45M7.19B
Total Current Liabilities
2.23B2.89B3.37B4.22B4.76B4.94B5B5.37B164M
Total Non-Current Liabilities
293.56M70.62M89.98M90.07M125.44M5.91M182.96M209.95M7.35B
Total Liabilities
2.52B2.96B3.46B4.31B4.89B4.94B5.18B5.58B7.52B
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 Share
16.1217.2820.1124.7226.3325.2727.2729.2235.35
Tangible BV per Share
13.3614.5917.4422.0023.6023.0825.0927.0531.76
Common Stock
000000000
Additional Paid-in Capital
97.04M97.6M99.33M127.52M127.35M221.55M220.5M219.88M422.65M
Retained Earnings
148.3M171.78M201.5M218.73M260.58M306.91M345.94M381.3M424.94M
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 Stock
00057.78M57.78M57.78M57.78M57.78M57.78M

CCNE Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
30.76M44.85M51.91M28.76M58.92M64.05M47.02M71.51M64.98M
Operating CF Growth %
14.94%45.81%15.72%-44.6%104.88%8.71%-26.59%52.08%-9.13%
Net Income
23.86M33.72M40.08M32.74M57.71M63.19M58.02M54.58M66.13M
Depreciation & Amortization
5.24M4.81M5.96M6.08M6.24M6.57M7.74M8.27M10.91M
Deferred Taxes
3.38M-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 Investments
108.64M76.35M109.68M227.61M204.51M116.19M72.98M150.15M468.37M
Net Investment Activity
84.95M-114.57M-13.12M1.08M-137.03M-146.49M53.36M-41.1M132.55M
Acquisitions
1.08M0072.85M000027.4M
Other Investing
-284.47M-335.5M-346.57M-236.97M-266.24M-645.92M-191.97M-145.89M-132.31M
Cash from Financing
179.05M418.04M464.11M479.64M550.34M114.73M218.2M352.76M-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 Issued
19.29M01.42M3.26M094.05M000
Net Stock Activity
17.42M-2.45M132K1.95M-1.16M92.38M-6.72M-643K-333K
Debt Issuance (Net)
1000K-1000K-1000K-1000K1000K1000K-1000K0-1000K
Other Financing
151.37M442.97M491.54M659.94M533.88M-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 Effect
000000000
Cash at Beginning
29.18M35.34M45.56M192.97M532.69M732.2M106.28M222.05M443.04M
Cash at End
35.34M45.56M192.97M532.69M732.2M106.28M222.05M443.04M527.9M
Interest Paid
17.48M26.55M39.28M32.96M20.03M26.8M102.16M134.4M150.14M
Income Taxes Paid
7.81M7.05M8.01M9.52M11.79M17.42M12.01M12.91M10.65M
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 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
14.7316.1217.2820.1124.7226.3325.2727.2729.2235.35
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%
Related:CCNE Dividend History·CCNE Revenue History·CCNE Price History·CCNE P/E History·CCNE Financial Ratios·CCNE Institutional Holders

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 2.31%. 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.

What if you invested $1,000 in CCNE back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in CCNE be worth today?

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