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CCNE

CNB Financial Corporation

CCNE

CNB Financial Corporation • NASDAQ
$25.92 ▼ -0.27% (-0.07)
Market Cap $764.02 M
52w High $28.38
52w Low $19.32
Dividend Yield 0.72%
P/E 13.5
Volume 47.23K
Outstanding Shares 29.48M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $117.911M ▲ $48.857M ▲ $7.045M ▼ 5.975% ▼ $0.22 ▼ $12.271M ▼
Q2-2025 $93.526M ▲ $38.364M ▼ $13.956M ▲ 14.922% ▲ $0.62 ▲ $19.091M ▲
Q1-2025 $89.726M ▼ $39.878M ▲ $11.481M ▼ 12.796% ▼ $0.5 ▼ $16.403M ▼
Q4-2024 $92.674M ▼ $36.48M ▼ $15.064M ▲ 16.255% ▲ $0.66 ▲ $21.038M ▲
Q3-2024 $93.015M $37.591M $13.954M 15.002% $0.61 $19.234M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $613.325M ▼ $8.254B ▲ $7.41B ▲ $844.185M ▲
Q2-2025 $948.609M ▼ $6.318B ▲ $5.681B ▲ $637.281M ▲
Q1-2025 $966.749M ▲ $6.296B ▲ $5.671B ▲ $624.508M ▲
Q4-2024 $846.542M ▲ $6.192B ▲ $5.581B ▲ $610.695M ▲
Q3-2024 $739.874M $6.015B $5.408B $606.363M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $7.045M ▼ $7.05M ▼ $197.196M ▲ $-191.569M ▼ $12.677M ▲ $4.934M ▼
Q2-2025 $13.956M ▲ $20.23M ▲ $-117.103M ▼ $2.127M ▼ $-94.746M ▼ $17.864M ▲
Q1-2025 $11.481M ▼ $11.599M ▼ $-18.007M ▲ $83.53M ▼ $77.122M ▼ $9.878M ▼
Q4-2024 $15.064M ▲ $22.241M ▼ $-89.686M ▲ $149.571M ▲ $82.126M ▲ $18.848M ▼
Q3-2024 $13.954M $26.371M $-97.855M $101.248M $29.764M $22.222M

Five-Year Company Overview

Income Statement

Income Statement CNB Financial has grown its revenue steadily over the past several years, showing that it is successfully adding customers and business volume. However, profit has not grown as quickly as revenue. Earnings have been fairly flat recently and have come down from their peak, which suggests rising funding costs, higher operating expenses, or more pressure on loan margins. In short, the business is getting bigger, but each dollar of revenue is not translating into as much profit as it did a few years ago. This is typical of many regional banks in a volatile interest-rate environment, but it is still an area to watch closely.

Balance Sheet

Balance Sheet The balance sheet looks generally solid for a regional bank. Total assets have grown at a measured, consistent pace, which fits a community- and region-focused growth strategy rather than rapid, aggressive expansion. Equity has also been building steadily, indicating retained earnings and a stronger capital base over time. Debt levels appear moderate relative to the size of the balance sheet, and liquidity has improved from the low point a few years ago. Overall, the bank seems to be balancing growth with prudence, though, as with any bank, asset quality and loan concentrations remain key underlying risks that are not fully visible in headline figures.

Cash Flow

Cash Flow Cash generation from the core banking business has been positive and gradually improving, and the company has produced free cash flow in each of the past several years. Investment spending has been relatively modest and stable, reflecting a business that does not require heavy physical capital outlays but is likely investing more in technology and systems. The pattern suggests CNB can fund its own growth initiatives without relying heavily on outside financing, which adds resilience during tougher economic or interest-rate cycles. Consistent, positive cash flow is a notable strength for a regional bank.

Competitive Edge

Competitive Edge CNB occupies a clear niche as a relationship-driven community and regional bank with a multi-brand approach. Operating under several local brand names allows it to feel “local” in different markets while still leveraging the scale and capabilities of a larger organization. This helps it compete against both big national banks and smaller community institutions. Its emphasis on specialized segments—such as physicians, executives, women business owners, and service members—creates differentiated offerings rather than generic commodity banking. On the risk side, it remains exposed to the health of the local economies it serves, faces intense competition for deposits and loans, and must manage integration risk as it brings acquired banks, such as ESSA, fully into the fold.

Innovation and R&D

Innovation and R&D While CNB is not a technology company in the classic sense, it is clearly investing in digital capabilities and product innovation. Recent system-wide upgrades, modern mobile and online banking, digital wallets, and interactive teller machines all point to a focused effort to keep pace with customer expectations and improve efficiency. The launch of niche platforms like Impressia Bank for women business leaders, the financial wellness center, and expanded wealth and insurance services show a willingness to experiment and tailor offerings. The bank is also leaning into process automation and enhanced cybersecurity frameworks, which are critical for long-term competitiveness. Execution risk is real—technology projects can overrun or underdeliver—but CNB appears to treat innovation as a strategic priority, not an afterthought.

Summary

CNB Financial presents the picture of a steadily growing regional bank that is trying to blend traditional community banking with modern digital capabilities and targeted niche strategies. Revenue has grown well, but profit margins have come under pressure, reflecting the same interest-rate and cost headwinds facing many peers. The balance sheet and cash flow profile look generally sound, with measured growth, strengthening equity, and consistent internal cash generation. Competitively, CNB benefits from local brands, deep community relationships, and specialized offerings, but must navigate economic cycles in its regions, heightened competition, and ongoing integration of acquisitions. Its active investment in technology, digital platforms, and new fee-based services suggests a forward-looking stance, though the payoff will depend on disciplined execution and careful risk management in the years ahead.

NEWS

November 12, 2025 · 4:05 PM UTC

CNB Financial Corporation Announces Quarterly Dividend for Common Stock

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October 29, 2025 · 4:05 PM UTC

CNB Financial Corporation Announces Quarterly Dividend for Series A Preferred Stock and Related Depositary Shares Distribution

Read more