CNB Financial Corporation

NASDAQ•CCNE

CEO: Mr. Michael D. Peduzzi CPA

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1994-04-04

CNB 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 private banking; and 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 offers small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

Contact Information

1 South Second Street, PO Box 42, Clearfield, PA, 16830, United States

814-765-9621

www.cnbbank.bank

Market Cap

$810.01M

P/E (TTM)

12.2

14.2

Dividend Yield

2.7%

52W High

$30.84

52W Low

$19.32

52W Range

71%

Rank44Top 53.8%

3.7

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.7 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$112.47M+21.36%

4-Quarter Trend

EPS

$1.11+31.82%

4-Quarter Trend

FCF

$32.66M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

ESSA Merger Drives Asset Growth Total assets reached $8.4B, up 35.6% from 2024; deposits increased 30.8% to $7.0B following ESSA acquisition.

Net Interest Income Rises NII grew to $242.0M, up 29.11% YoY, aided by $6.6M in purchase accounting loan accretion realized post-merger.

Asset Quality Improves Substantially Nonperforming assets fell to $42.2M (0.50% of assets) in 2025, down from 0.96% in 2024; provision expense decreased slightly.

Capital Ratios Remain Strong Total risk-based capital ratio stood at 14.78% at year-end 2025, exceeding all regulatory 'well-capitalized' minimums.

Risk Factors

Integration Risks Remain Post-Merger Realizing anticipated synergies from ESSA acquisition requires successful integration; goodwill balance is $44.6M post-adjustment.

Local Economic Downturn Exposure Loan portfolio concentrated in PA, OH, NY, and VA; recession could increase delinquencies and loan losses materially.

Funding Costs Pressure NIM Elevated interest rates increase cost of funds; reliance on more expensive brokered funds if core deposits decrease.

Cybersecurity and Regulatory Scrutiny Ongoing cybersecurity enhancements required due to evolving threats; new regulations may increase compliance costs significantly.

Outlook

Integrating ESSA Branch Network Expanding CNB Bank's network into Northeastern PA via ESSA's 20 community offices following successful merger close.

Technology and Specialized Banking Continued investment in technology for efficiency; supporting specialized divisions like Impressia Bank and BankOnBuffalo initiatives.

Capital Management and Dividends Board intends to continue quarterly cash dividends, balancing payouts with retaining earnings for business growth needs.

Monitoring CECL Volatility Management expects continued volatility in the ACL due to reliance on macroeconomic forecasts within the CECL methodology.

Peer Comparison

Revenue (TTM)

AMTB

$655.25M

+14.0%

MCB

$527.15M

+7.1%

BFST

$511.93M

+11.8%

Gross Margin (Latest Quarter)

CCBG

88.4%

+2.5pp

HBT

81.4%

+3.2pp

CCNE

77.1%

+17.6pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
AMTB	$876.81M	16.3	5.6%	9.4%
NBN	$868.45M	10.4	17.3%	10.5%
MBWM	$858.64M	9.1	13.5%	12.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

7.8%

Steady Growth

4Q Net Income CAGR

43.1%

Profitability Improved

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 13, 2026

EPS:$0.80

Revenue:$79.35M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data