Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
CNB Financial Corporation's quarterly P/E stands at 5.9x, down 37.4% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 131.5% YoY to 6.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.34 | 5.89 | 30.25 | 9.22 | 11.35 | 9.42 | 9.86 | 9.11 | 9.27 | 9.11 | 7.55 | 7.23 | 6.58 |
| — | -37.4% | +206.8% | +1.2% | +22.5% | +3.4% | +30.7% | +26.0% | +41.0% | +7.2% | -5.2% | +1.7% | -16.1% | |
| P/S Ratio | 2.25 | 1.71 | 1.18 | 1.28 | 1.30 | 1.40 | 1.35 | 1.20 | 1.24 | 1.35 | 1.15 | 1.17 | 1.38 |
| — | +22.0% | -12.4% | +6.3% | +4.4% | +4.1% | +17.4% | +2.8% | -10.1% | -24.7% | -42.6% | -34.9% | -31.6% | |
| P/B Ratio | 0.88 | 0.88 | 0.66 | 0.75 | 0.75 | 0.85 | 0.83 | 0.73 | 0.74 | 0.83 | 0.69 | 0.67 | 0.74 |
| — | +3.6% | -20.3% | +3.3% | +1.3% | +3.0% | +20.4% | +8.0% | -0.6% | -12.6% | -28.5% | -29.9% | -28.8% | |
| P/FCF | 15.27 | 5.89 | 28.29 | 6.69 | 11.78 | 6.90 | 5.66 | 25.78 | 10.62 | 7.46 | 8.52 | 11.85 | 77.41 |
| — | -14.6% | +399.9% | -74.0% | +10.9% | -7.5% | -33.5% | +117.6% | -86.3% | +29.3% | -16.7% | +85.3% | +33.7% | |
| EV / EBITDA | 14.14 | 6.12 | 9.20 | 2.59 | 1.38 | 2.64 | 3.73 | 3.29 | 3.85 | 5.14 | 4.44 | 5.08 | 5.14 |
| — | +131.5% | +146.5% | -21.3% | -64.1% | -48.6% | -15.9% | -35.1% | -25.0% | -45.4% | -5.6% | +65.4% | +148.3% | |
| EV / EBIT | 14.14 | 6.12 | 12.43 | 2.87 | 1.58 | 2.98 | 4.15 | 3.71 | 4.33 | 5.73 | 4.94 | 5.65 | 5.62 |
| — | +105.0% | +199.5% | -22.6% | -63.5% | -47.9% | -16.1% | -34.3% | -23.0% | -43.0% | -3.1% | +68.5% | +148.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
CNB Financial Corporation's operating margin was 37.2% in Q4 2025, up 29.5 pp QoQ and up 17.1 pp YoY. The trailing four-quarter average of 19.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 29.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 60.7% | 77.1% | 49.1% | 59.5% | 60.4% | 59.5% | 59.0% | 57.7% | 60.3% | 62.6% | 64.3% | 65.2% | 72.3% |
| — | +29.6% | -16.7% | +3.1% | +0.2% | -5.0% | -8.2% | -11.6% | -16.6% | -21.0% | -28.2% | -26.5% | -20.0% | |
| Operating Margin | 20.4% | 37.2% | 7.7% | 18.4% | 16.0% | 20.1% | 18.6% | 18.1% | 18.0% | 19.6% | 20.8% | 21.7% | 27.9% |
| — | +84.8% | -58.6% | +2.2% | -11.2% | +2.7% | -10.8% | -16.8% | -35.4% | -30.9% | -37.4% | -35.1% | -18.4% | |
| Net Margin | 16.3% | 29.9% | 6.0% | 14.9% | 12.8% | 16.3% | 15.0% | 14.6% | 14.7% | 16.0% | 16.7% | 17.5% | 22.5% |
| — | +84.1% | -60.2% | +2.1% | -13.0% | +1.9% | -10.2% | -16.4% | -34.7% | -29.5% | -37.6% | -35.8% | -18.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.9% | 3.9% | 1.0% | 2.2% | 1.9% | 2.5% | 2.3% | 2.2% | 2.2% | 2.5% | 2.5% | 2.5% | 3.1% |
| — | +58.4% | -59.3% | -0.5% | -15.2% | -0.8% | -6.4% | -11.9% | -28.4% | -17.8% | -29.4% | -30.6% | -12.8% | |
| ROA | 0.9% | 0.4% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +63.8% | -58.8% | -0.2% | -15.7% | +1.4% | -2.7% | -9.8% | -26.9% | -17.3% | -23.1% | -15.7% | +3.8% | |
| ROIC | 6.3% | 2.6% | 0.7% | 1.7% | 1.4% | 1.9% | 1.8% | 1.7% | 1.6% | 1.8% | 1.9% | 1.7% | 1.8% |
| — | +42.1% | -60.3% | +0.7% | -12.6% | +1.4% | -5.6% | -4.7% | -9.2% | -2.8% | -27.9% | -32.0% | -28.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
CNB Financial Corporation's Debt/EBITDA ratio is 7.9x, down from 27.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 27327.7% YoY to 43.23x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.38 | 0.38 | 0.39 | 0.23 | 0.23 | 0.24 | 0.24 | 0.24 | 0.25 | 0.25 | 0.26 | 0.26 | 0.44 |
| — | +59.4% | +64.3% | -6.1% | -5.7% | -4.5% | -8.2% | -6.8% | -44.5% | -67.1% | +0.2% | -16.1% | +44.2% | |
| Debt / EBITDA | 4.02 | 7.93 | 26.99 | 7.60 | 8.86 | 6.92 | 7.53 | 7.89 | 8.24 | 7.47 | 7.48 | 7.49 | 10.88 |
| — | +14.6% | +258.5% | -3.7% | +7.5% | -7.4% | +0.6% | +5.3% | -24.3% | -60.7% | +25.4% | +17.9% | +69.8% | |
| Current Ratio | 43.23 | 43.23 | 0.12 | 0.17 | 0.18 | 0.16 | 0.14 | 0.14 | 0.13 | 0.11 | 0.12 | 0.11 | 0.13 |
| — | +27327.7% | -18.8% | +28.3% | +37.2% | +39.7% | +21.6% | +23.8% | +2.0% | +3.2% | -16.3% | -30.3% | -39.5% | |
| Quick Ratio | 43.23 | 43.23 | 0.12 | 0.17 | 0.18 | 0.16 | 0.14 | 0.14 | 0.13 | 0.11 | 0.12 | 0.11 | 0.13 |
| — | +27327.7% | -18.8% | +28.3% | +37.2% | +39.7% | +21.6% | +23.8% | +2.0% | +3.2% | -16.3% | -30.3% | -39.5% | |
| Interest Coverage | 0.55 | 1.01 | 0.22 | 0.51 | 0.42 | 0.54 | 0.48 | 0.46 | 0.47 | 0.54 | 0.61 | 0.68 | 1.07 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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CNB Financial Corporation's current P/E is 12.3x. The average P/E over the last 4 quarters is 14.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CNB Financial Corporation's current operating margin is 20.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CNB Financial Corporation's business trajectory between earnings reports.