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CNB Financial (CCNE) Financials

CNB Financial logo
$35.85 -0.26 (-0.72%)
Closing price 04:00 PM Eastern
Extended Trading
$35.84 -0.01 (-0.01%)
As of 04:15 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for CNB Financial

Annual Income Statements for CNB Financial

This table shows CNB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 23 22 21 24 34 40 32 53 59 54 50
Consolidated Net Income / (Loss)		 23 22 21 24 34 40 33 58 63 58 55
Net Income / (Loss) Continuing Operations		 23 22 21 24 34 40 33 58 63 58 55
Total Pre-Tax Income 		32 30 28 36 40 49 40 71 78 72 67
Total Revenue		 91 92 99 113 126 142 163 193 224 223 227
Net Interest Income / (Expense)		 75 75 81 92 105 116 135 160 190 190 187
Total Interest Income		 87 87 94 109 132 156 167 180 214 294 325
Loans and Leases Interest Income		 70 72 81 97 118 140 153 167 196 273 294
Investment Securities Interest Income		 17 15 13 12 14 16 14 13 18 20 32
Total Interest Expense		 12 12 13 17 27 40 32 20 24 104 138
Deposits Interest Expense		 8.30 8.50 8.47 9.31 17 30 24 15 20 98 133
Long-Term Debt Interest Expense		 3.99 3.97 4.56 4.02 5.86 5.35 4.53 0.02 0.39 1.80 0.01
Other Interest Expense		 - - - 4.03 3.87 3.98 3.78 4.74 3.86 4.30 4.50
Total Non-Interest Income		 16 17 18 21 21 26 28 33 35 33 39
Service Charges on Deposit Accounts		 - - 4.30 4.81 5.76 6.40 5.10 6.20 7.21 7.37 6.99
Other Service Charges		 15 15 6.62 7.38 8.82 9.72 9.85 13 16 15 20
Net Realized & Unrealized Capital Gains on Investments		 0.55 0.45 1.51 2.96 -0.45 2.50 2.52 1.57 -0.50 -0.34 0.83
Investment Banking Income		 - - 3.09 3.72 4.17 4.63 5.50 6.74 7.17 7.25 7.85
Other Non-Interest Income		 1.04 1.19 2.18 2.57 2.43 2.73 5.10 5.79 4.67 3.62 3.78
Provision for Credit Losses		 3.84 2.56 4.15 6.66 6.07 6.02 15 6.00 8.59 5.99 9.22
Total Non-Interest Expense		 55 59 67 70 79 88 107 116 138 145 150
Salaries and Employee Benefits		 27 30 32 36 42 46 49 61 71 71 75
Net Occupancy & Equipment Expense		 11 11 13 13 15 16 19 24 30 35 37
Marketing Expense		 1.46 1.58 1.80 2.24 2.35 2.11 1.99 2.08 2.89 3.13 2.55
Property & Liability Insurance Claims		 2.69 2.83 3.00 3.00 3.25 3.77 5.40 6.03 6.97 8.29 7.94
Other Operating Expenses		 12 12 16 14 16 18 19 23 26 28 28
Income Tax Expense		 9.31 8.29 7.17 12 6.51 8.56 7.35 13 15 14 13
Preferred Stock Dividends Declared		 - - - - 0.00 0.00 1.15 4.30 4.30 4.30 4.30
Basic Earnings per Share		 $1.60 $1.54 $1.42 $1.57 $2.21 $2.63 $1.97 $3.16 $3.26 $2.56 $2.39
Weighted Average Basic Shares Outstanding		 14.36M 14.34M 14.38M 15.13M 15.21M 15.40M 16.88M 16.91M 21.12M 21.02M 20.98M
Diluted Earnings per Share		 $1.60 $1.54 $1.42 $1.57 $2.21 $2.63 $1.97 $3.16 $3.26 $2.55 $2.39
Weighted Average Diluted Shares Outstanding		 14.36M 14.34M 14.38M 15.13M 15.21M 15.40M 16.88M 16.91M 21.12M 21.02M 20.98M
Weighted Average Basic & Diluted Shares Outstanding		 14.36M 14.34M 14.38M 15.13M 15.21M 15.40M 16.88M 16.91M 21.12M 21.02M 20.98M
Cash Dividends to Common per Share		 $0.66 $0.66 $0.66 $0.66 $0.67 $0.68 $0.00 $0.69 $0.70 $0.70 $0.71

Quarterly Income Statements for CNB Financial

This table shows CNB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 13 12 12 13 14 10 13 19 26 27 27
Consolidated Net Income / (Loss)		 14 13 13 14 15 11 14 20 27 28 28
Net Income / (Loss) Continuing Operations		 14 13 13 14 15 11 14 20 27 28 28
Total Pre-Tax Income 		17 15 16 17 19 14 17 25 33 35 33
Total Revenue		 57 54 55 58 59 57 61 78 83 88 88
Net Interest Income / (Expense)		 48 45 46 47 49 48 52 67 73 76 76
Total Interest Income		 79 78 81 83 84 82 86 109 112 116 115
Loans and Leases Interest Income		 73 72 72 76 74 72 75 98 101 102 104
Investment Securities Interest Income		 6.19 6.39 8.51 7.51 9.51 10 10 11 11 13 11
Total Interest Expense		 32 33 35 36 35 34 34 42 39 39 39
Deposits Interest Expense		 30 32 34 35 34 33 32 38 36 36 36
Long-Term Debt Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.24 0.22 2.50 1.70 1.86 1.91
Other Interest Expense		 1.13 1.13 1.14 1.12 1.10 1.08 1.08 1.07 1.05 1.00 0.84
Total Non-Interest Income		 9.14 8.96 8.87 11 10 8.51 9.01 11 10.00 11 11
Service Charges on Deposit Accounts		 1.80 1.69 1.79 1.79 1.71 1.71 1.66 2.22 2.03 2.01 2.14
Other Service Charges		 4.21 4.31 4.17 5.50 5.69 4.39 3.53 3.75 4.04 4.42 4.19
Net Realized & Unrealized Capital Gains on Investments		 0.54 0.19 -0.08 0.65 0.07 -0.25 0.57 1.06 0.24 0.71 0.00
Investment Banking Income		 1.68 1.80 2.01 2.06 1.98 1.80 2.11 2.36 2.36 2.73 3.67
Other Non-Interest Income		 0.89 0.96 0.97 0.97 0.88 0.86 1.15 1.17 1.33 1.44 1.48
Provision for Credit Losses		 1.24 1.32 2.59 2.38 2.93 1.56 4.34 2.07 1.00 1.78 3.47
Total Non-Interest Expense		 38 37 36 39 38 41 40 50 49 51 51
Salaries and Employee Benefits		 19 19 18 20 19 21 19 23 25 23 25
Net Occupancy & Equipment Expense		 9.24 8.71 9.15 9.12 9.56 9.42 9.49 10 13 12 12
Marketing Expense		 1.05 0.69 0.55 0.62 0.68 0.51 0.56 0.75 0.79 0.73 0.66
Property & Liability Insurance Claims		 2.23 2.16 2.14 1.79 1.85 1.83 1.93 2.58 1.58 2.74 2.40
Other Operating Expenses		 6.73 7.08 6.47 7.67 7.21 7.16 7.91 8.24 8.20 11 9.91
Amortization Expense		 - - - 0.02 - 0.02 0.02 0.78 1.01 1.02 1.03
Restructuring Charge		 - 0.00 0.00 0.00 - 1.53 0.36 4.16 0.00 0.00 0.00
Income Tax Expense		 3.16 2.83 3.05 3.34 3.57 2.86 3.29 5.48 6.10 6.86 5.16
Preferred Stock Dividends Declared		 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08
Basic Earnings per Share		 $0.62 $0.55 $0.57 $0.61 $0.66 $0.50 $0.61 $0.69 $0.88 $0.92 $0.91
Weighted Average Basic Shares Outstanding		 21.02M 20.82M 20.83M 20.84M 20.98M 20.87M 20.88M 27.18M 29.32M 29.35M 29.39M
Diluted Earnings per Share		 $0.61 $0.55 $0.56 $0.61 $0.67 $0.50 $0.61 $0.69 $0.88 $0.91 $0.91
Weighted Average Diluted Shares Outstanding		 21.02M 20.89M 20.89M 20.91M 20.98M 20.93M 20.95M 27.28M 29.44M 29.49M 29.53M
Weighted Average Basic & Diluted Shares Outstanding		 21.02M 21.00M 21.00M 20.99M 20.98M 20.98M 29.48M 29.48M 29.63M 29.62M 29.62M
Cash Dividends to Common per Share		 $0.17 $0.18 $0.18 $0.18 $0.18 $0.18 $0.18 $0.18 $0.19 $0.19 $0.19

Annual Cash Flow Statements for CNB Financial

This table details how cash moves in and out of CNB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -1.71 -0.67 1.92 6.16 10 147 340 200 -626 116 221
Net Cash From Operating Activities		 29 34 27 31 45 52 29 59 64 47 72
Net Cash From Continuing Operating Activities		 29 34 27 31 45 52 29 59 64 47 72
Net Income / (Loss) Continuing Operations		 23 22 21 24 34 40 33 58 63 58 55
Consolidated Net Income / (Loss)		 23 22 21 24 34 40 33 58 63 58 55
Provision For Loan Losses		 3.84 2.56 4.15 6.66 6.07 6.02 15 6.00 8.59 5.99 9.22
Depreciation Expense		 4.13 4.04 4.48 5.24 4.81 5.96 6.08 6.24 6.57 7.74 8.27
Amortization Expense		 -0.12 0.99 -1.33 -1.20 -0.54 -0.87 -1.96 -1.95 -3.01 -2.85 -4.28
Non-Cash Adjustments to Reconcile Net Income		 7.87 13 31 -6.70 0.33 -3.63 -15 -14 -9.98 -2.90 -2.95
Changes in Operating Assets and Liabilities, net		 -9.88 -9.27 -32 2.91 0.46 4.48 -8.70 5.04 -1.31 -19 6.68
Net Cash From Investing Activities		 -56 -101 -151 -204 -453 -369 -169 -410 -805 -149 -203
Net Cash From Continuing Investing Activities		 -56 -101 -151 -204 -453 -369 -169 -410 -805 -149 -203
Purchase of Property, Leasehold Improvements and Equipment		 -6.43 -6.75 -10 -5.22 -3.07 -9.05 -5.64 -6.48 -12 -11 -16
Purchase of Investment Securities		 -194 -279 -210 -310 -527 -468 -471 -610 -905 -217 -346
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 1.92 0.00 4.99 11
Sale and/or Maturity of Investments		 144 185 69 110 78 111 228 207 120 73 159
Other Investing Activities, net		 - - - - - -3.36 7.27 -2.26 -7.44 0.70 -11
Net Cash From Financing Activities		 25 66 126 179 418 464 480 550 115 218 353
Net Cash From Continuing Financing Activities		 25 66 126 179 418 464 480 550 115 218 353
Net Change in Deposits		 12 -32 69 151 443 492 660 534 -93 376 373
Issuance of Common Equity		 0.04 0.00 0.00 19 0.00 1.42 3.26 0.00 94 0.00 0.00
Repayment of Debt		 -0.24 -21 -81 -140 -62 -48 -460 -50 132 -132 0.00
Repurchase of Common Equity		 -1.68 -0.87 -0.04 -1.88 -2.45 -1.29 -1.31 -1.16 -1.67 -6.72 -0.64
Payment of Dividends		 -9.52 -9.52 -9.55 -10 -10 -10 -12 -16 -17 -19 -19
Cash Interest Paid		 12 13 13 17 27 39 33 20 27 102 134
Cash Income Taxes Paid		 6.41 5.43 3.97 7.81 7.05 8.01 9.52 12 17 12 13

Quarterly Cash Flow Statements for CNB Financial

This table details how cash moves in and out of CNB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Net Change in Cash & Equivalents		 39 79 30 30 82 77 -95 13 75 -144 -133
Net Cash From Operating Activities		 18 12 10 26 22 12 20 7.05 19 37 5.16
Net Cash From Continuing Operating Activities		 18 12 10 26 22 12 20 7.05 19 37 5.16
Net Income / (Loss) Continuing Operations		 14 13 13 14 15 11 14 7.05 27 28 28
Consolidated Net Income / (Loss)		 14 13 13 14 15 11 14 7.05 27 28 28
Provision For Loan Losses		 1.24 1.32 2.59 2.38 2.93 1.56 4.34 18 1.00 1.78 3.47
Depreciation Expense		 1.94 1.90 2.02 1.94 2.41 2.06 1.84 3.19 3.64 3.86 3.70
Amortization Expense		 -0.11 -1.32 -1.00 -0.97 -0.99 -1.53 -1.73 -4.72 -4.50 -5.99 -4.15
Non-Cash Adjustments to Reconcile Net Income		 -1.22 -0.65 -0.44 -1.16 -0.70 -0.20 -1.12 -0.33 0.80 -2.83 0.01
Changes in Operating Assets and Liabilities, net		 1.90 -1.39 -5.70 10 3.54 -1.77 2.95 -17 -8.78 12 -26
Net Cash From Investing Activities		 31 33 -49 -98 -90 -18 -117 197 -52 -56 -96
Net Cash From Continuing Investing Activities		 31 33 -49 -98 -90 -18 -117 197 -52 -56 -96
Purchase of Property, Leasehold Improvements and Equipment		 -1.89 -2.44 -6.31 -4.15 -3.39 -1.72 -2.37 -2.12 -0.36 -0.92 -1.51
Purchase of Investment Securities		 18 19 -47 -142 -139 -60 -159 -177 -117 -109 -152
Sale and/or Maturity of Investments		 16 17 39 50 53 45 45 343 82 56 39
Net Cash From Financing Activities		 -8.83 34 68 101 150 84 2.13 -192 108 -125 -43
Net Cash From Continuing Financing Activities		 -8.83 34 68 101 150 84 2.13 -192 108 -125 -43
Net Change in Deposits		 -4.03 39 73 106 154 89 7.00 70 115 -68 -36
Repurchase of Common Equity		 -0.07 -0.21 -0.44 -0.00 0.01 -0.33 - -0.00 -0.54 - -0.00
Payment of Dividends		 -4.73 -4.76 -4.75 -4.86 -4.85 -4.85 -4.88 -6.38 -6.71 -6.70 -6.70
Cash Interest Paid		 31 31 33 37 33 34 32 42 37 38 40

Annual Balance Sheets for CNB Financial

This table presents CNB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,285 2,574 2,769 3,222 3,764 4,729 5,329 5,475 5,753 6,192 8,396
Cash and Due from Banks		 23 27 33 43 42 44 42 59 55 64 78
Federal Funds Sold		 - - - - - - 684 43 164 375 442
Interest Bearing Deposits at Other Banks		 3.96 2.25 2.20 2.24 151 488 5.45 4.00 2.87 4.26 8.20
Trading Account Securities		 568 527 439 550 581 621 732 817 771 827 898
Loans and Leases, Net of Allowance		 1,561 1,857 2,126 2,455 0.00 3,337 3,597 4,232 4,423 4,562 6,427
Loans and Leases		 1,578 1,874 2,146 2,475 - 3,372 3,635 4,275 4,468 4,609 6,494
Allowance for Loan and Lease Losses		 17 16 20 20 - 34 38 43 46 47 67
Premises and Equipment, Net		 39 50 51 50 55 60 62 69 74 76 90
Intangible Assets		 2.40 2.85 1.63 0.73 0.16 0.57 0.46 44 44 44 122
Other Assets		 60 69 77 82 2,896 134 3,759 208 220 241 331
Total Liabilities & Shareholders' Equity		 2,285 2,574 2,769 3,222 3,764 4,729 5,329 5,475 5,753 6,192 8,396
Total Liabilities		 2,083 2,362 2,525 2,959 3,459 4,313 4,886 4,944 5,182 5,581 7,524
Non-Interest Bearing Deposits		 264 290 322 357 382 627 792 898 729 820 1,092
Interest Bearing Deposits		 1,551 1,734 1,846 2,254 2,720 3,555 3,924 3,724 4,270 4,552 6,023
Short-Term Debt		 116 104 34 - - - 0.00 132 - 0.00 164
Accrued Interest Payable		 27 30 29 32 38 41 45 51 40 64 96
Long-Term Debt		 125 204 294 316 299 71 104 105 105 105 105
Other Long-Term Liabilities		 - - - 0.00 19 19 21 34 38 40 44
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 202 212 244 263 305 416 443 531 571 611 872
Total Preferred & Common Equity		 202 212 244 263 305 416 443 531 571 611 872
Preferred Stock		 - - - - 0.00 58 58 58 58 58 58
Total Common Equity		 202 212 244 263 305 358 385 473 513 553 814
Common Stock		 78 78 97 98 99 128 127 222 220 220 423
Retained Earnings		 123 134 148 172 202 219 261 307 346 381 425
Treasury Stock		 -1.11 -0.13 -1.09 -2.56 -2.81 -2.97 -2.48 -2.97 -6.89 -4.69 -2.58
Accumulated Other Comprehensive Income / (Loss)		 1.90 -0.12 -0.34 -4.00 6.94 15 -0.39 -53 -46 -44 -31

Quarterly Balance Sheets for CNB Financial

This table presents CNB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
Total Assets		 5,664 5,732 5,801 5,887 6,015 6,296 6,318 8,254 8,515 8,432 8,385
Cash and Due from Banks		 58 62 39 56 75 69 89 80 79 87 97
Federal Funds Sold		 63 118 259 272 282 447 332 352 518 365 221
Interest Bearing Deposits at Other Banks		 4.24 3.42 3.04 3.17 3.72 4.36 4.48 6.37 6.07 7.04 7.20
Trading Account Securities		 786 764 772 764 759 852 847 854 1,007 987 953
Loans and Leases, Net of Allowance		 4,419 4,446 4,386 4,434 4,545 4,563 4,685 6,401 6,367 6,446 6,552
Loans and Leases		 4,465 4,492 4,431 4,480 4,592 4,610 4,733 6,468 6,434 6,514 6,621
Allowance for Loan and Lease Losses		 46 46 46 46 47 47 48 68 67 67 69
Premises and Equipment, Net		 73 73 75 79 82 76 75 91 89 88 88
Intangible Assets		 44 44 44 44 44 44 44 129 121 119 118
Other Assets		 216 221 224 234 223 189 242 342 328 334 349
Total Liabilities & Shareholders' Equity		 5,664 5,732 5,801 5,887 6,015 6,296 6,318 8,254 8,515 8,432 8,385
Total Liabilities		 5,114 5,183 5,223 5,300 5,408 5,671 5,681 7,410 7,626 7,523 7,473
Non-Interest Bearing Deposits		 808 783 749 763 841 842 856 1,105 1,125 1,148 1,161
Interest Bearing Deposits		 4,125 4,220 4,288 4,348 4,376 4,618 4,611 5,888 6,105 6,014 5,964
Short-Term Debt		 0.00 0.00 0.00 - - - - 182 164 164 164
Accrued Interest Payable		 38 37 42 47 47 66 69 86 83 99 84
Long-Term Debt		 105 105 105 105 105 105 105 105 106 56 56
Other Long-Term Liabilities		 38 38 38 37 40 40 40 44 43 43 43
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 550 549 579 587 606 625 637 844 889 909 913
Total Preferred & Common Equity		 550 549 579 587 606 625 637 844 889 909 913
Preferred Stock		 58 58 58 58 58 58 58 58 58 58 58
Total Common Equity		 492 491 521 529 549 567 579 786 831 852 855
Common Stock		 220 220 218 219 219 220 218 422 423 424 426
Retained Earnings		 328 337 354 362 371 388 397 398 445 467 488
Treasury Stock		 -5.00 -6.86 -3.95 -4.44 -4.52 -4.94 -2.42 -2.48 -2.97 -3.13 -3.17
Accumulated Other Comprehensive Income / (Loss)		 -51 -59 -47 -47 -37 -37 -33 -31 -34 -37 -56

Annual Metrics And Ratios for CNB Financial

This table displays calculated financial ratios and metrics derived from CNB Financial's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 24.82% 0.79% 7.82% 14.11% 11.24% 13.16% 14.49% 18.70% 16.15% -0.56% 1.53%
EBITDA Growth		 24.65% -2.41% -13.10% 30.53% 10.45% 20.74% -17.71% 69.77% 8.93% -6.19% -7.00%
EBIT Growth		 40.70% -5.86% -9.11% 30.82% 10.97% 20.91% -17.58% 76.55% 10.51% -8.16% -6.22%
NOPAT Growth		 38.34% -3.80% -7.47% 16.16% 41.32% 18.87% -18.31% 76.24% 9.50% -8.18% -5.94%
Net Income Growth		 38.34% -3.80% -7.47% 16.16% 41.32% 18.87% -18.31% 76.24% 9.50% -8.18% -5.94%
EPS Growth		 24.03% -3.75% -7.79% 10.56% 40.76% 19.00% -25.10% 60.41% 3.16% -21.78% -6.27%
Operating Cash Flow Growth		 -13.95% 16.31% -20.43% 14.94% 45.81% 16.02% -44.74% 104.88% 8.71% -26.59% 52.08%
Free Cash Flow Firm Growth		 -447.85% -311.34% 44.17% 48.73% 194.48% -43.96% 886.33% -101.78% -5,809.38% 195.05% -90.09%
Invested Capital Growth		 17.33% 38.08% 17.24% 10.10% 1.17% 4.31% -19.34% 12.40% 40.32% -11.93% 5.88%
Revenue Q/Q Growth		 5.50% -0.99% 0.86% 3.39% 2.62% 2.86% 7.66% 1.52% 4.11% -1.33% 1.13%
EBITDA Q/Q Growth		 3.64% -1.16% -4.16% 4.32% 5.93% 4.01% -7.14% 10.62% 2.66% -1.57% 1.53%
EBIT Q/Q Growth		 9.74% -6.15% -1.85% 4.56% 6.49% 3.58% -6.97% 12.61% 2.85% -3.66% 2.26%
NOPAT Q/Q Growth		 9.57% -5.27% -2.23% -6.24% 19.47% 3.99% -7.32% 13.20% 2.02% -3.18% 2.03%
Net Income Q/Q Growth		 9.57% -5.27% -2.23% -6.24% 19.47% 3.99% -7.32% 13.20% 2.02% -3.18% 2.03%
EPS Q/Q Growth		 8.84% -4.94% -2.07% -7.10% 20.11% 3.54% -13.22% 14.91% -3.83% -2.30% 2.58%
Operating Cash Flow Q/Q Growth		 -21.77% -2.68% 312.80% -54.62% 17.05% 7.30% -28.67% 22.74% 9.40% -14.62% 6.75%
Free Cash Flow Firm Q/Q Growth		 -361.18% -29.93% 33.39% 79.62% -74.97% 7,256.80% 3,235.05% -100.38% 71.82% 463.87% 473.68%
Invested Capital Q/Q Growth		 12.15% 14.63% 5.72% -12.98% 0.20% -1.99% -25.78% 0.00% 23.70% 3.38% 0.62%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.96% 38.69% 31.19% 35.67% 35.42% 37.79% 27.17% 38.85% 36.44% 34.38% 31.49%
EBIT Margin		 35.56% 33.21% 28.00% 32.10% 32.02% 34.21% 24.63% 36.63% 34.85% 32.19% 29.73%
Profit (Net Income) Margin		 25.33% 24.18% 20.75% 21.13% 26.84% 28.19% 20.12% 29.87% 28.16% 26.00% 24.09%
Tax Burden Percent		 71.24% 72.80% 74.12% 65.82% 83.82% 82.40% 81.67% 81.53% 80.79% 80.78% 81.02%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.76% 27.20% 25.88% 34.18% 16.18% 17.60% 18.33% 18.47% 19.21% 19.22% 18.98%
Return on Invested Capital (ROIC)		 7.76% 5.81% 4.27% 4.37% 5.86% 6.78% 6.01% 11.16% 9.61% 8.04% 7.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.76% 5.81% 4.27% 4.37% 5.86% 6.78% 6.01% 11.16% 9.61% 8.04% 7.84%
Return on Net Nonoperating Assets (RNNOA)		 5.29% 5.56% 5.66% 6.10% 7.45% 7.34% 3.07% 2.27% 3.37% 2.49% 1.39%
Return on Equity (ROE)		 13.06% 11.37% 9.93% 10.47% 13.31% 14.12% 9.08% 13.44% 12.98% 10.53% 9.23%
Cash Return on Invested Capital (CROIC)		 -8.18% -26.18% -11.60% -5.25% 4.70% 2.56% 27.42% -0.52% -23.95% 20.73% 2.13%
Operating Return on Assets (OROA)		 1.50% 1.36% 1.14% 1.36% 1.34% 1.39% 0.94% 1.41% 1.45% 1.28% 1.13%
Return on Assets (ROA)		 1.07% 0.99% 0.85% 0.89% 1.13% 1.15% 0.77% 1.15% 1.17% 1.03% 0.91%
Return on Common Equity (ROCE)		 13.06% 11.37% 9.93% 10.47% 13.31% 14.12% 8.35% 11.63% 11.44% 9.43% 8.33%
Return on Equity Simple (ROE_SIMPLE)		 12.24% 10.99% 9.70% 9.78% 12.83% 13.14% 7.87% 13.03% 11.91% 10.16% 8.94%
Net Operating Profit after Tax (NOPAT)		 23 22 21 24 34 40 33 58 63 58 55
NOPAT Margin		 25.33% 24.18% 20.75% 21.13% 26.84% 28.19% 20.12% 29.87% 28.16% 26.00% 24.09%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 43.21% 46.23% 46.98% 45.83% 47.01% 45.53% 43.13% 45.21% 46.65% 48.80% 50.15%
Operating Expenses to Revenue		 60.23% 64.00% 67.81% 62.01% 63.15% 61.55% 65.94% 60.26% 61.32% 65.13% 66.20%
Earnings before Interest and Taxes (EBIT)		 32 30 28 36 40 49 40 71 78 72 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 36 36 31 40 45 54 44 75 82 77 71
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.00 1.47 1.36 1.13 1.41 0.90 1.07 0.99 0.88 0.94
Price to Tangible Book Value (P/TBV)		 1.26 1.17 1.83 1.63 1.33 1.62 1.02 1.21 1.09 0.97 1.02
Price to Revenue (P/Rev)		 2.19 2.20 3.15 2.94 2.36 3.03 1.98 2.14 2.08 2.03 2.29
Price to Earnings (P/E)		 8.63 9.11 15.16 13.90 8.78 10.74 10.18 7.73 7.92 8.45 10.31
Dividend Yield		 4.76% 4.70% 3.07% 3.04% 3.45% 2.40% 3.56% 2.80% 3.17% 3.22% 2.88%
Earnings Yield		 11.59% 10.98% 6.60% 7.20% 11.39% 9.31% 9.83% 12.93% 12.63% 11.83% 9.70%
Enterprise Value to Invested Capital (EV/IC)		 0.95 0.94 1.14 1.09 0.98 0.89 0.00 0.00 0.85 0.58 0.33
Enterprise Value to Revenue (EV/Rev)		 3.33 4.53 5.96 5.53 4.51 3.77 0.00 0.00 2.92 1.77 1.05
Enterprise Value to EBITDA (EV/EBITDA)		 8.33 11.71 19.11 15.49 12.72 9.98 0.00 0.00 8.01 5.14 3.34
Enterprise Value to EBIT (EV/EBIT)		 9.36 13.64 21.28 17.22 14.08 11.02 0.00 0.00 8.37 5.49 3.53
Enterprise Value to NOPAT (EV/NOPAT)		 13.14 18.74 28.71 26.16 16.79 13.38 0.00 0.00 10.36 6.80 4.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.49 12.37 22.04 20.29 12.62 10.30 0.00 0.00 10.22 8.39 3.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 20.94 35.38 0.00 0.00 0.00 2.64 16.06
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.70 1.19 1.45 1.34 1.20 0.98 0.17 0.24 0.45 0.18 0.17
Long-Term Debt to Equity		 0.51 0.62 0.96 1.20 1.20 0.98 0.17 0.24 0.20 0.18 0.17
Financial Leverage		 0.68 0.96 1.33 1.39 1.27 1.08 0.51 0.20 0.35 0.31 0.18
Leverage Ratio		 12.22 11.46 11.75 11.72 11.82 12.30 11.78 11.71 11.10 10.19 10.11
Compound Leverage Factor		 12.22 11.46 11.75 11.72 11.82 12.30 11.78 11.71 11.10 10.19 10.11
Debt to Total Capital		 41.24% 54.43% 59.23% 57.35% 54.57% 49.47% 14.51% 19.06% 30.87% 15.51% 14.69%
Short-Term Debt to Total Capital		 11.21% 26.24% 20.02% 6.02% 0.00% 0.00% 0.00% 0.00% 17.24% 0.00% 0.00%
Long-Term Debt to Total Capital		 30.02% 28.18% 39.21% 51.33% 54.57% 49.47% 14.51% 19.06% 13.62% 15.51% 14.69%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 11.87% 10.56% 7.53% 8.55% 8.07%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 58.76% 45.57% 40.77% 42.65% 45.43% 50.53% 73.62% 70.38% 61.61% 75.94% 77.23%
Debt to EBITDA		 3.64 6.79 9.97 8.14 7.09 5.56 1.60 1.39 2.90 1.37 1.47
Net Debt to EBITDA		 2.86 6.02 9.02 7.26 6.07 1.96 -10.45 -8.36 1.60 -1.53 -4.74
Long-Term Debt to EBITDA		 2.65 3.52 6.60 7.29 7.09 5.56 1.60 1.39 1.28 1.37 1.47
Debt to NOPAT		 5.73 10.86 14.98 13.75 9.36 7.45 2.16 1.81 3.75 1.81 1.93
Net Debt to NOPAT		 4.51 9.64 13.56 12.26 8.01 2.63 -14.11 -10.88 2.07 -2.02 -6.19
Long-Term Debt to NOPAT		 4.18 5.63 9.92 12.30 9.36 7.45 2.16 1.81 1.66 1.81 1.93
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 8.01% 13.45% 11.87% 10.49% 9.78%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -24 -100 -56 -29 27 15 149 -2.66 -157 150 15
Operating Cash Flow to CapEx		 450.05% 498.24% 264.34% 589.89% 1,462.03% 575.37% 509.53% 1,291.26% 521.18% 803.40% 1,401.65%
Free Cash Flow to Firm to Interest Expense		 -1.98 -8.02 -4.28 -1.65 1.00 0.38 4.61 -0.13 -6.54 1.44 0.11
Operating Cash Flow to Interest Expense		 2.35 2.70 2.05 1.77 1.66 1.32 0.89 2.97 2.66 0.45 0.52
Operating Cash Flow Less CapEx to Interest Expense		 1.83 2.16 1.28 1.47 1.55 1.09 0.71 2.74 2.15 0.40 0.48
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.72 2.46 2.23 2.25 2.50 2.71 2.83 3.17 3.45 3.14 3.03
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 321 443 519 572 579 603 487 547 768 676 716
Invested Capital Turnover		 0.31 0.24 0.21 0.21 0.22 0.24 0.30 0.37 0.34 0.31 0.33
Increase / (Decrease) in Invested Capital		 47 122 76 52 6.68 25 -117 60 221 -92 40
Enterprise Value (EV)		 303 416 590 624 566 536 -83 -157 655 395 238
Market Capitalization		 199 202 311 332 296 431 322 413 466 454 518
Book Value per Share		 $13.12 $14.01 $14.64 $15.96 $17.24 $20.07 $21.29 $22.79 $22.39 $24.57 $26.34
Tangible Book Value per Share		 $10.99 $11.96 $11.77 $13.32 $14.65 $17.51 $18.66 $20.18 $20.31 $22.46 $24.25
Total Capital		 321 443 519 572 579 603 487 547 768 676 716
Total Debt		 132 241 308 328 316 299 71 104 237 105 105
Total Long-Term Debt		 96 125 204 294 316 299 71 104 105 105 105
Net Debt		 104 214 278 293 270 106 -462 -628 131 -117 -338
Capital Expenditures (CapEx)		 6.43 6.75 10 5.22 3.07 9.05 5.64 4.56 12 5.85 5.10
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 132 241 308 328 316 299 71 104 237 105 105
Total Depreciation and Amortization (D&A)		 4.01 5.03 3.16 4.04 4.27 5.09 4.13 4.29 3.56 4.89 3.99
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.60 $1.54 $1.42 $1.57 $2.21 $2.63 $1.97 $3.16 $3.26 $2.56 $2.39
Adjusted Weighted Average Basic Shares Outstanding		 14.45M 14.46M 15.30M 15.28M 15.24M 15.40M 16.88M 16.91M 21.12M 21.02M 20.98M
Adjusted Diluted Earnings per Share		 $1.60 $1.54 $1.42 $1.57 $2.21 $2.63 $1.97 $3.16 $3.26 $2.55 $2.39
Adjusted Weighted Average Diluted Shares Outstanding		 14.45M 14.46M 15.30M 15.28M 15.24M 15.40M 16.88M 16.91M 21.12M 21.02M 20.98M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.45M 14.46M 15.30M 15.28M 15.24M 15.40M 16.88M 16.91M 21.12M 21.02M 20.98M
Normalized Net Operating Profit after Tax (NOPAT)		 23 22 21 24 34 40 43 58 63 58 55
Normalized NOPAT Margin		 25.33% 24.42% 21.12% 21.13% 26.84% 28.29% 26.46% 29.87% 28.16% 26.00% 24.09%
Pre Tax Income Margin		 35.56% 33.21% 28.00% 32.10% 32.02% 34.21% 24.63% 36.63% 34.85% 32.19% 29.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.64 2.44 2.13 2.09 1.49 1.23 1.24 3.57 3.25 0.69 0.49
NOPAT to Interest Expense		 1.88 1.78 1.58 1.37 1.25 1.01 1.01 2.91 2.62 0.56 0.40
EBIT Less CapEx to Interest Expense		 2.11 1.90 1.35 1.79 1.38 1.00 1.06 3.34 2.74 0.64 0.45
NOPAT Less CapEx to Interest Expense		 1.35 1.24 0.80 1.07 1.14 0.79 0.83 2.68 2.11 0.50 0.36
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 41.26% 42.87% 46.48% 42.31% 30.36% 25.84% 37.04% 27.47% 26.68% 32.74% 35.21%
Augmented Payout Ratio		 48.52% 46.78% 46.69% 50.17% 37.64% 29.06% 41.03% 29.49% 29.33% 44.33% 36.38%

Quarterly Metrics And Ratios for CNB Financial

This table displays calculated financial ratios and metrics derived from CNB Financial's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026 9/30/2026
DEI Shares Outstanding		 - - - - - 20,980,333.00 20,979,344.00 29,475,148.00 29,476,240.00 29,629,013.00 29,620,885.00
DEI Adjusted Shares Outstanding		 - - - - - 20,980,333.00 20,979,344.00 29,475,148.00 29,476,240.00 29,629,013.00 29,620,885.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.55 0.67 0.24 0.92 0.96 0.95
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.03% -2.70% -1.75% 6.10% 4.46% 5.10% 12.13% 32.91% 46.34% 43.20% 13.00%
EBITDA Growth		 -6.07% -23.99% -7.05% -0.55% 5.68% -7.11% 1.93% -58.66% 117.01% 90.30% 36.91%
EBIT Growth		 -13.74% -24.35% -6.75% 0.96% 8.70% -7.06% 7.80% -47.48% 131.01% 103.83% 30.43%
NOPAT Growth		 -11.98% -23.59% -6.29% 1.65% 7.78% -8.88% 7.71% -49.51% 135.48% 102.81% 40.38%
Net Income Growth		 -11.98% -23.59% -6.29% 1.65% 7.78% -8.88% 7.71% -49.51% 135.48% 102.81% 40.38%
EPS Growth		 -8.96% -24.66% -8.20% 1.67% 9.84% -9.09% 8.93% -63.93% 76.00% 49.18% 31.88%
Operating Cash Flow Growth		 -31.25% 158.83% -9.86% 104.28% 25.53% -6.91% 93.77% -73.27% 65.45% 82.42% -26.88%
Free Cash Flow Firm Growth		 151.57% 139.81% 78.30% -121.27% -123.38% -142.22% -51.26% -848.68% -1,058.43% -869.83% 106.78%
Invested Capital Growth		 -11.93% -9.24% 5.71% 8.78% 5.88% 6.75% 7.36% 58.99% 58.77% 52.04% 0.09%
Revenue Q/Q Growth		 3.14% -4.67% 0.75% 7.10% 1.55% -4.09% 7.49% 26.94% 0.00% 5.19% 0.17%
EBITDA Q/Q Growth		 3.29% -15.57% 6.35% 7.23% 9.76% -25.79% 16.70% -56.50% 0.00% 2.34% -0.79%
EBIT Q/Q Growth		 0.06% -9.95% 3.69% 8.07% 7.73% -23.01% 20.26% -47.35% 0.00% 6.11% -5.52%
NOPAT Q/Q Growth		 1.82% -9.85% 2.83% 7.69% 7.95% -23.79% 21.56% -49.52% 0.00% 4.69% -0.86%
Net Income Q/Q Growth		 1.82% -9.85% 2.83% 7.69% 7.95% -23.79% 21.56% -49.52% 0.00% 4.69% -0.86%
EPS Q/Q Growth		 1.67% -9.84% 1.82% 8.93% 9.84% -25.37% 22.00% -63.93% 0.00% 3.41% 0.00%
Operating Cash Flow Q/Q Growth		 37.25% -29.68% -16.21% 152.60% -15.66% -47.85% 74.41% -65.15% 0.00% 92.30% -86.03%
Free Cash Flow Firm Q/Q Growth		 637.05% -22.18% -129.71% -78.19% 43.25% -40.52% -6.45% -1,017.54% 0.00% 10.88% 107.57%
Invested Capital Q/Q Growth		 3.38% 1.10% 1.19% 2.85% 0.62% 1.94% 1.76% 52.33% 0.00% -2.56% 0.27%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.37% 29.56% 31.20% 31.24% 33.76% 26.12% 28.36% 9.72% 38.74% 37.69% 37.33%
EBIT Margin		 30.16% 28.49% 29.32% 29.58% 31.38% 25.19% 28.18% 11.69% 39.77% 40.12% 37.84%
Profit (Net Income) Margin		 24.59% 23.26% 23.74% 23.87% 25.38% 20.16% 22.80% 9.07% 32.45% 32.29% 31.96%
Tax Burden Percent		 81.55% 81.64% 80.97% 80.69% 80.86% 80.04% 80.90% 77.57% 81.59% 80.50% 84.47%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.45% 18.36% 19.03% 19.31% 19.14% 19.96% 19.10% 22.43% 18.41% 19.50% 15.53%
Return on Invested Capital (ROIC)		 7.60% 7.18% 7.78% 7.83% 8.26% 6.54% 7.50% 2.51% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.60% 7.18% 7.78% 7.83% 8.26% 6.54% 7.50% 2.51% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 2.36% 1.99% 1.44% 1.42% 1.47% 1.14% 1.29% 0.68% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 9.96% 9.16% 9.22% 9.26% 9.73% 7.69% 8.79% 3.19% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 20.73% 17.22% 2.36% -0.58% 2.13% 1.03% 0.50% -40.40% -45.42% -41.29% -0.09%
Operating Return on Assets (OROA)		 1.20% 1.11% 1.12% 1.13% 1.19% 0.96% 1.09% 0.42% 0.00% 0.00% 0.00%
Return on Assets (ROA)		 0.98% 0.91% 0.91% 0.91% 0.96% 0.76% 0.88% 0.32% 0.00% 0.00% 0.00%
Return on Common Equity (ROCE)		 8.92% 8.22% 8.28% 8.33% 8.78% 6.95% 7.96% 2.94% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.35% 9.08% 8.82% 0.00% 8.56% 8.54% 5.63% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 14 13 13 14 15 11 14 7.05 27 28 28
NOPAT Margin		 24.59% 23.26% 23.74% 23.87% 25.38% 20.16% 22.80% 9.07% 32.45% 32.29% 31.96%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.89% 52.02% 50.17% 50.14% 48.42% 53.56% 48.03% 44.28% 46.09% 40.77% 43.02%
Operating Expenses to Revenue		 67.66% 69.08% 65.94% 66.34% 63.68% 72.07% 64.73% 64.56% 59.03% 57.86% 58.21%
Earnings before Interest and Taxes (EBIT)		 17 15 16 17 19 14 17 9.08 33 35 33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 19 16 17 18 20 15 17 7.55 32 33 33
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.88 0.82 0.81 0.92 0.94 0.82 0.83 0.91 1.03 1.17 1.15
Price to Tangible Book Value (P/TBV)		 0.97 0.89 0.88 1.00 1.02 0.89 0.90 1.08 1.20 1.36 1.34
Price to Revenue (P/Rev)		 2.03 1.92 1.94 2.25 2.29 2.04 2.03 2.80 0.00 0.00 0.00
Price to Earnings (P/E)		 8.45 8.53 8.76 10.27 10.31 9.50 9.56 16.49 0.00 0.00 0.00
Dividend Yield		 3.22% 3.46% 3.43% 2.93% 2.88% 3.21% 3.15% 2.98% 2.52% 2.20% 2.25%
Earnings Yield		 11.83% 11.73% 11.42% 9.74% 9.70% 10.53% 10.46% 6.06% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.58 0.42 0.38 0.43 0.33 0.15 0.29 0.55 0.50 0.72 0.83
Enterprise Value to Revenue (EV/Rev)		 1.77 1.29 1.18 1.37 1.05 0.48 0.92 2.43 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 5.14 3.99 3.70 4.37 3.34 1.56 3.08 10.36 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 5.49 4.28 3.96 4.66 3.53 1.66 3.22 10.45 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 6.80 5.29 4.89 5.74 4.36 2.05 3.99 13.04 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.39 5.23 4.86 4.59 3.33 1.55 2.70 10.14 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.64 2.31 16.38 0.00 16.06 15.06 60.85 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.18 0.18 0.18 0.17 0.17 0.17 0.17 0.34 0.30 0.24 0.24
Long-Term Debt to Equity		 0.18 0.18 0.18 0.17 0.17 0.17 0.17 0.12 0.12 0.06 0.06
Financial Leverage		 0.31 0.28 0.18 0.18 0.18 0.17 0.17 0.27 0.25 0.21 0.29
Leverage Ratio		 10.19 10.12 10.16 10.17 10.11 10.05 9.97 9.84 9.78 9.54 9.47
Compound Leverage Factor		 10.19 10.12 10.16 10.17 10.11 10.05 9.97 9.84 9.78 9.54 9.47
Debt to Total Capital		 15.51% 15.35% 15.18% 14.77% 14.69% 14.42% 14.19% 25.37% 23.27% 19.45% 19.40%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 16.05% 14.15% 14.53% 14.49%
Long-Term Debt to Total Capital		 15.51% 15.35% 15.18% 14.77% 14.69% 14.42% 14.19% 9.32% 9.11% 4.93% 4.91%
Preferred Equity to Total Capital		 8.55% 8.45% 8.35% 8.12% 8.07% 7.92% 7.78% 5.11% 4.99% 5.12% 5.10%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 75.94% 76.19% 76.46% 77.10% 77.23% 77.66% 78.03% 69.52% 71.75% 75.43% 75.50%
Debt to EBITDA		 1.37 1.46 1.49 1.50 1.47 1.50 1.49 4.80 0.00 0.00 0.00
Net Debt to EBITDA		 -1.53 -2.74 -3.21 -3.64 -4.74 -5.91 -4.54 -2.53 0.00 0.00 0.00
Long-Term Debt to EBITDA		 1.37 1.46 1.49 1.50 1.47 1.50 1.49 1.76 0.00 0.00 0.00
Debt to NOPAT		 1.81 1.94 1.97 1.97 1.93 1.97 1.93 6.04 0.00 0.00 0.00
Net Debt to NOPAT		 -2.02 -3.63 -4.25 -4.78 -6.19 -7.76 -5.88 -3.18 0.00 0.00 0.00
Long-Term Debt to NOPAT		 1.81 1.94 1.97 1.97 1.93 1.97 1.93 2.22 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 10.49% 10.27% 10.17% 10.00% 9.78% 9.61% 9.44% 7.97% 7.64% 7.47% 6.58%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 106 82 -24 -44 -25 -35 -37 -413 -402 -358 27
Operating Cash Flow to CapEx		 936.47% 623.31% 0.00% 635.60% 655.50% 673.97% 855.03% 333.18% 5,301.11% 4,002.49% 340.94%
Free Cash Flow to Firm to Interest Expense		 3.35 2.51 -0.70 -1.22 -0.71 -1.02 -1.10 -9.94 -10.38 -9.11 0.70
Operating Cash Flow to Interest Expense		 0.56 0.38 0.30 0.74 0.64 0.34 0.60 0.17 0.50 0.94 0.13
Operating Cash Flow Less CapEx to Interest Expense		 0.50 0.32 0.43 0.62 0.54 0.29 0.53 0.12 0.49 0.92 0.09
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.00 0.00 0.00
Fixed Asset Turnover		 3.14 3.05 2.90 2.88 3.03 3.04 3.07 2.95 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 676 684 692 711 716 730 743 1,131 1,159 1,129 1,132
Invested Capital Turnover		 0.31 0.31 0.33 0.33 0.33 0.32 0.33 0.28 0.00 0.00 0.00
Increase / (Decrease) in Invested Capital		 -92 -70 37 57 40 46 51 420 429 386 0.96
Enterprise Value (EV)		 395 286 260 307 238 110 217 620 579 818 938
Market Capitalization		 454 425 429 505 518 467 480 713 854 999 986
Book Value per Share		 $24.57 $24.77 $25.18 $26.13 $26.34 $27.01 $27.62 $26.68 $28.36 $28.74 $28.86
Tangible Book Value per Share		 $22.46 $22.67 $23.08 $24.03 $24.25 $24.92 $25.52 $22.32 $24.22 $24.72 $24.87
Total Capital		 676 684 692 711 716 730 743 1,131 1,159 1,129 1,132
Total Debt		 105 105 105 105 105 105 105 287 270 220 220
Total Long-Term Debt		 105 105 105 105 105 105 105 105 106 56 56
Net Debt		 -117 -196 -226 -256 -338 -415 -320 -151 -333 -239 -106
Capital Expenditures (CapEx)		 1.89 2.00 -4.44 4.15 3.39 1.72 2.37 2.12 0.36 0.92 1.51
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 105 105 105 105 105 105 105 287 270 220 220
Total Depreciation and Amortization (D&A)		 1.83 0.58 1.03 0.97 1.41 0.53 0.11 -1.53 -0.86 -2.13 -0.45
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.62 $0.55 $0.57 $0.61 $0.66 $0.50 $0.61 $0.22 $0.88 $0.92 $0.91
Adjusted Weighted Average Basic Shares Outstanding		 21.02M 20.82M 20.83M 20.84M 20.98M 20.87M 20.88M 27.18M 29.32M 29.35M 29.39M
Adjusted Diluted Earnings per Share		 $0.61 $0.55 $0.56 $0.61 $0.67 $0.50 $0.61 $0.22 $0.88 $0.91 $0.91
Adjusted Weighted Average Diluted Shares Outstanding		 21.02M 20.89M 20.89M 20.91M 20.98M 20.93M 20.95M 27.28M 29.44M 29.49M 29.53M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 21.02M 21.00M 21.00M 20.99M 20.98M 20.98M 29.48M 29.48M 29.63M 29.62M 29.62M
Normalized Net Operating Profit after Tax (NOPAT)		 14 13 13 14 15 13 14 10 27 28 28
Normalized NOPAT Margin		 24.59% 23.26% 23.74% 23.87% 25.38% 22.31% 23.27% 13.22% 32.45% 32.29% 31.96%
Pre Tax Income Margin		 30.16% 28.49% 29.32% 29.58% 31.38% 25.19% 28.18% 11.69% 39.77% 40.12% 37.84%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.54 0.47 0.46 0.48 0.54 0.42 0.51 0.22 0.86 0.89 0.86
NOPAT to Interest Expense		 0.44 0.39 0.37 0.39 0.43 0.34 0.42 0.17 0.70 0.72 0.73
EBIT Less CapEx to Interest Expense		 0.48 0.41 0.59 0.37 0.44 0.37 0.44 0.17 0.85 0.87 0.82
NOPAT Less CapEx to Interest Expense		 0.38 0.32 0.50 0.27 0.34 0.29 0.35 0.12 0.69 0.70 0.69
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 32.74% 35.06% 35.64% 35.69% 35.21% 36.13% 35.70% 44.09% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 44.33% 43.24% 40.44% 37.04% 36.38% 37.56% 36.29% 44.77% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

CNB Financial’s third-quarter 2026 results showed stronger earnings than a year earlier, although growth was modest compared with the prior quarter. Net income increased 40% year over year to $28.1 million, while diluted earnings per share rose to $0.91 from $0.69. Revenue grew 13% to $87.8 million, led by higher net interest income. Sequentially, however, net income edged down from $28.3 million in Q2 and diluted EPS was unchanged.

The balance sheet continued to expand over the year: loans and leases were up about 2% from Q3 2025 to $6.62 billion, and total assets rose about 2% to $8.39 billion. Cash flows were less supportive this quarter: operating cash flow was $5.2 million, and cash and cash equivalents declined by $133.1 million. The operating cash-flow figure was affected by a $25.9 million use of cash from changes in operating assets and liabilities.

  • Year-over-year earnings improved: Net income rose to $28.1 million from $20.0 million in Q3 2025, and diluted EPS increased to $0.91 from $0.69.
  • Net interest income grew: It increased about 14% year over year to $76.3 million, supporting the increase in total revenue to $87.8 million.
  • Loan balances and equity were higher year over year: Loans and leases grew about 2% to $6.62 billion, while total equity increased about 8% to $912.6 million.
  • The common dividend per share was maintained: CNB reported a $0.19 quarterly cash dividend per common share, compared with $0.18 in Q3 2025.
  • Quarterly revenue was nearly flat: Revenue increased slightly from $87.6 million in Q2 to $87.8 million in Q3, while net interest income was nearly unchanged.
  • Credit-loss coverage was broadly steady year over year: The allowance for loan and lease losses was $68.6 million, about 1.0% of loans, versus $67.7 million and a similar proportion a year earlier.
  • Credit-loss provision rose: The Q3 provision was $3.5 million, up from $2.1 million a year earlier and $1.8 million in Q2, weighing on earnings.
  • Operating cash flow weakened: It fell to $5.2 million from $36.9 million in Q2 and $7.1 million in Q3 2025, with the latest quarter affected by a large cash outflow from operating-asset and liability changes.
  • Cash declined substantially during the quarter: Cash and equivalents decreased by $133.1 million; financing cash flow was negative $42.6 million, including a $35.9 million net decline in deposits, while investing activities used $95.6 million.
  • Accumulated other comprehensive loss worsened sequentially: It reached $55.8 million at quarter-end, compared with $36.6 million at the end of Q2, reducing reported common equity.
11/11/26 06:55 PM ETAI Generated. May Contain Errors.

CNB Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, CNB Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

CNB Financial's net income appears to be on an upward trend, with a most recent value of $54.58 million in 2024, rising from $23.07 million in 2014. The previous period was $58.02 million in 2023. Check out CNB Financial's forecast to explore projected trends and price targets.

Over the last 10 years, CNB Financial's total revenue changed from $91.08 million in 2014 to $226.58 million in 2024, a change of 148.8%.

In the past 13 quarters, CNB Financial's cash and equivalents has ranged from $38.95 million in Q1 2024 to $96.96 million in Q3 2026, and is currently $96.96 million as of their latest financial filing in Q3 2026.

CNB Financial had total debt of $105.19 million at the end of 2024, a 0.3% increase from 2023, and a 20.5% decrease since 2014.

Over the last 10 years, CNB Financial's book value per share changed from 13.12 in 2014 to 26.34 in 2024, a change of 100.7%.


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Financial statements for NASDAQ:CCNE last updated on 11/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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