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

$916.91M

PER (TTM)

13.8

15.4

配当利回り

2.4%

52週高値

$31.43

52週安値

$19.78

52週レンジ

96%

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

$1.11+31.82%

直近4四半期の推移

フリーCF

$32.66M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

AMTB

$655.25M

+14.0%

MCB

$527.15M

+7.1%

BFST

$511.93M

+11.8%

粗利益率 (最新四半期)

CCBG

88.4%

+2.5pp

HBT

81.4%

+3.2pp

CCNE

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
AMTB	$1.00B	18.7	5.6%	9.4%
NBN	$985.64M	11.8	17.3%	10.5%
BFST	$936.50M	9.6	10.2%	6.7%

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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月14日

EPS:$0.79

売上高:$72.80M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし