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CNB Financial Corporation

CNB Financial Corporation

NASDAQ•CCNE
CEO: Mr. Michael D. Peduzzi CPA
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
1 South Second Street, PO Box 42, Clearfield, PA, 16830, United States
814-765-9621
www.cnbbank.bank
時価総額
$869.84M
PER (TTM)
13.1
14.8
配当利回り
2.4%
52週高値
$30.84
52週安値
$19.32
52週レンジ
88%
順位44Top 53.8%
3.7
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.7 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$112.47M+21.36%
直近4四半期の推移

EPS

$0.87+31.82%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

Amerant Bancorp Inc.AMTB
$655.25M
+14.0%
Metropolitan Bank Holding Corp.MCB
$527.15M
+7.1%
Business First Bancshares, Inc.BFST
$511.93M
+11.8%

粗利益率 (最新四半期)

Capital City Bank Group, Inc.CCBG
88.4%
+2.5pp
HBT Financial, Inc.HBT
81.4%
+3.2pp
CNB Financial CorporationCCNE
77.1%
+17.6pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
NBN$961.07M11.517.3%10.9%
MCB$953.80M13.39.7%0.0%
AMTB$941.00M17.55.6%10.6%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
7.8%
安定成長
4四半期純利益CAGR
43.1%
収益性の大幅な改善
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月13日
|
EPS:$0.78
|
売上高:$79.35M
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月5日|
    売上高: $117.91M+26.8%
    |
    EPS: $0.22-63.9%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $93.53M+5.5%
    |
    EPS: $0.62+8.8%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $89.73M+4.7%
    |
    EPS: $0.50-9.1%
    予想を下回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月6日|
    売上高: $360.01M+11.8%
    |
    EPS: $2.40-6.3%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月6日|
    売上高: $93.02M+13.2%
    |
    EPS: $0.61+0.0%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月7日|
    売上高: $88.64M+12.1%
    |
    EPS: $0.57-6.6%
    予想を上回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月1日|
    売上高: $85.68M+17.1%
    |
    EPS: $0.55-24.7%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $322.01M+32.1%
    |
    EPS: $2.56-21.5%
    予想を上回る