logo
Twitter
Discord
Email
logo
CNB Financial Corporation

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
$798.81M
P/E (TTM)
13.2
15.1
Dividend Yield
2.7%
52W High
$28.04
52W Low
$19.32
52W Range
89%
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

Q3 2025 Data

Revenue

$117.91M+26.77%
4-Quarter Trend

EPS

$0.22-63.93%
4-Quarter Trend

FCF

$4.93M-77.80%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

ESSA Merger Integration Complete Acquisition of ESSA finalized July 23, 2025, adding $2.1B in assets, primarily $1.7B in loans, extending footprint.
NII Growth Driven by Merger Nine-month NII increased 21.19% to $167.8M, benefiting from loan growth and $3.4M in purchase accounting accretion.
Credit Loss Provision Spikes Provision for credit losses reached $24.4M (9M) due to establishing a $16.4M reserve for acquired non-PCD loans.
Capital Ratios Remain Strong Total shareholders' equity reached $844.2M; CET1 ratio stood at 10.48%, exceeding regulatory well-capitalized levels.

Risk Factors

Merger Integration Execution Ongoing integration of ESSA operations presents risks related to realizing expected synergies and managing related costs.
Economic Uncertainty Persists Management actively evaluates expected credit losses amid persistent uncertainty from tariffs, interest rates, and geopolitical conflicts.
Funding Cost Management Rising interest expense on interest-bearing liabilities pressures net interest margin despite recent yield improvements.
Loan Quality Monitoring Credit risk profile requires close monitoring, especially for commercial real estate segments like office and multifamily exposures.

Outlook

NIM Stability Focus Future NIM performance hinges on managing deposit betas and loan yields following Federal Reserve rate actions.
Organic Loan Growth Continues The corporation achieved $216.2M in organic loan growth year-to-date, complementing merger-related asset additions.
Efficiency Ratio Improvement Expect efficiency ratio to improve from 66.80% (9M GAAP) as merger integration costs are absorbed and normalized.
Credit Loss Estimates Dynamic Allowance for credit losses will be proactively evaluated as new economic information becomes available for ECL modeling.

Peer Comparison

Revenue (TTM)

Business First Bancshares, Inc.BFST
$509.73M
+18.0%
Hanmi Financial CorporationHAFC
$438.96M
+3.1%
CNB Financial CorporationCCNE
$395.00M
+11.3%

Gross Margin (Latest Quarter)

Capital City Bank Group, Inc.CCBG
86.3%
+1.8pp
HBT Financial, Inc.HBT
79.8%
+3.6pp
Great Southern Bancorp, Inc.GSBC
67.6%
+8.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HAFC$857.92M11.89.6%2.5%
HBT$856.83M11.013.7%1.2%
TRST$819.08M14.58.3%2.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
8.4%
Steady Growth
4Q Net Income CAGR
-22.4%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 27, 2026
|
EPS:$0.77
|
Revenue:$73.10M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $117.91M+26.8%
    |
    EPS: $0.22-63.9%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $93.53M+5.5%
    |
    EPS: $0.62+8.8%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $90.89M+6.1%
    |
    EPS: $0.50-9.1%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 6, 2025|
    Revenue: $360.01M+11.8%
    |
    EPS: $2.40-6.3%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $93.02M+13.2%
    |
    EPS: $0.61+0.0%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $88.64M+12.1%
    |
    EPS: $0.57-6.6%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 1, 2024|
    Revenue: $85.68M+17.1%
    |
    EPS: $0.55-24.7%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 7, 2024|
    Revenue: $322.01M+32.1%
    |
    EPS: $2.56-21.5%
    Beat