CNB Financial Corporation

CNB Financial Corporation

CCNE
CNB Financial CorporationUS flagNASDAQ Global Select
34.38
USD
+0.34
- -
1.02BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.06
6.17
6.21
6.71
7.23
8.08
9.13
9.48
11.24
10.45
10.44
10.58
9.4
11.05
Basic EPS, GAAP
1.16
1.6
1.54
1.42
1.56
2.22
2.63
1.88
3.17
2.8
2.57
2.4
2.1
2.82
Free Cash Flow per Basic Share
1.96
1.56
1.87
1.15
1.67
2.75
2.82
1.37
3.11
2.46
1.73
2.63
1.99
2.46
Dividend per Share
0.59
0.66
0.66
0.66
0.66
0.67
0.68
0.72
0.94
0.8
0.91
0.92
0.76
0.89
Book Value per Share
6.73
7.68
8.56
9.28
9.72
11.3
13.22
12.99
15.46
14.61
16.55
18.17
14.42
16.24
Tangible Book Value per Share
9.16
10.91
11.89
11.67
13.24
14.59
17.35
18.57
20.12
20.33
22.38
24.18
23.39
25.8
Basic Weighted Avg Shares
14
14
14
14
15
15
15
17
17
21
21
21
29
27
Sales/Revenue/Turnover
73
89
90
97
110
123
139
160
189
220
218
222
277
303
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
4
4
4
5
5
6
6
6
7
8
8
11
12
Net Income, GAAP
17
23
22
21
24
34
40
33
58
63
58
55
66
82
Effective Tax Rate (%)
27.54
28.76
27.2
25.88
34.18
16.18
17.6
18.33
18.47
19.21
19.22
18.98
19.81
19.33
Profit Margin (%)
22.86
25.95
24.8
21.16
21.63
27.46
28.78
20.51
30.47
28.77
26.6
24.58
23.87
26.95
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
96
96
125
204
294
71
90
90
125
138
143
146
149
149
Total Equity
165
189
202
212
244
263
305
416
443
531
571
611
872
889
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
17.93
22.22
18.98
15.95
16.89
21.07
21.47
15.04
22.28
20.75
16.46
13.83
15.34
18.58

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
182
164
164
LT Borrowings
105
105
106
LT Finance Leases
44
44
43
Preferred Equity and Hybrid Capital
58
58
58
Shares Outstanding
29
29
30
Market Capitalization
560
661
794

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
816
943
1,164
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
182
164
164
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.39%
16.72%
42.81%
Free Cash Flow
19.03%
30.92%
6.2%
Net Income, GAAP
14.34%
18.56%
21.17%
Sales/Revenue/Turnover
12.19%
12.09%
24.78%
Total Cash Common Dividend
6.91%
10.88%
21.98%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
53
54
57
58
222
2025
56
60
76
85
277
2026
82
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.55
0.57
0.61
0.67
2.4
2025
0.5
0.61
0.2
1.11
2.1
2026
0.88
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.23
0.23
0.23
0.92
2025
0.23
0.23
0.22
0.22
0.76
2026
0.23
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Michael D. Peduzzi
Full Time Employees
950
Sector
Financial Services
Industry
Banks - Regional
Address
1 South Second Street Clearfield PA United States of America 16830
IPO Date
Apr 4, 1994
Business
CNB Financial Corporation, headquartered in Clearfield, Pennsylvania, operates as a financial holding company primarily through its principal subsidiary, CNB Bank. The company offers comprehensive financial solutions including deposit accounts; private banking; commercial, industrial, residential, and consumer loans and lines of credit; credit cards; treasury services; online and mobile banking; merchant credit card processing; remote deposit; and accounts receivable handling. Additionally, CNB provides wealth and asset management services, retirement plans, and other employee benefit plans. CNB Bank operates through multiple divisions tailored to regional markets: ERIEBANK serves small to medium-sized businesses in Pennsylvania and Ohio; FCBank focuses on central Ohio customers; BankOnBuffalo operates in Western New York with a mobile office serving underbanked populations; Ridge View Bank covers the Roanoke Valley in Virginia; Impressia Bank targets women business owners with specialized resources; and ESSA Bank, acquired in 2025, comprises 20 community offices in northeastern Pennsylvania including the Lehigh Valley. The corporation also owns Holiday Financial Services Corporation, which offers personal loans for auto purchases, bill consolidation, education, and home improvements. In 2025, CNB Financial completed a significant strategic merger with ESSA Bancorp, Inc., expanding its geographic footprint and increasing assets by over $2 billion. This merger enhances CNB's presence in northeastern Pennsylvania and enriches its service offerings through added skilled employees and resources. CNB continues to focus on deepening customer relationships, growing fee-based activities, maintaining disciplined underwriting and risk management practices, and realizing operational efficiencies across its expanded multi-state franchise. The company operates nineteen full-service offices in northwestern Pennsylvania and multiple regional offices across its divisions in Pennsylvania, Ohio, New York, and Virginia, serving individual, business, governmental, and institutional customers. Founded in 1865, CNB Financial Corporation maintains a strong community banking ethos combined with advanced technological services.

Company News

APIChatGPT
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  • Reviewing CNB Financial (NASDAQ:CCNE) & Patriot National Bancorp (NASDAQ:PNBK)

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

  • CNB Financial (CCNE) to Release Earnings on Monday

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