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CNB Financial (CCNEP) Financials

CNB Financial logo
$23.70 -0.26 (-1.09%)
As of 05/21/2025 04:00 PM Eastern
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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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 50 54 59
Consolidated Net Income / (Loss)		 55 58 63
Net Income / (Loss) Continuing Operations		 55 58 63
Total Pre-Tax Income 		67 72 78
Total Revenue		 227 223 224
Net Interest Income / (Expense)		 187 190 190
Total Interest Income		 325 294 214
Loans and Leases Interest Income		 294 273 196
Investment Securities Interest Income		 32 20 18
Total Interest Expense		 138 104 24
Deposits Interest Expense		 133 98 20
Long-Term Debt Interest Expense		 0.01 1.80 0.39
Other Interest Expense		 4.50 4.30 3.86
Total Non-Interest Income		 39 33 35
Service Charges on Deposit Accounts		 6.99 7.37 7.21
Other Service Charges		 20 15 16
Net Realized & Unrealized Capital Gains on Investments		 0.83 -0.34 -0.50
Investment Banking Income		 7.85 7.25 7.17
Other Non-Interest Income		 3.78 3.62 4.67
Provision for Credit Losses		 9.22 5.99 8.59
Total Non-Interest Expense		 150 145 138
Salaries and Employee Benefits		 75 71 71
Net Occupancy & Equipment Expense		 37 35 30
Marketing Expense		 2.55 3.13 2.89
Property & Liability Insurance Claims		 7.94 8.29 6.97
Other Operating Expenses		 28 28 26
Income Tax Expense		 13 14 15
Preferred Stock Dividends Declared		 4.30 4.30 4.30
Basic Earnings per Share		 $2.39 $2.56 $3.26
Weighted Average Basic Shares Outstanding		 20.98M 21.02M 21.12M
Diluted Earnings per Share		 $2.39 $2.55 $3.26
Weighted Average Diluted Shares Outstanding		 20.98M 21.02M 21.12M
Weighted Average Basic & Diluted Shares Outstanding		 20.98M 21.02M 21.12M
Cash Dividends to Common per Share		 $0.71 $0.70 $0.70

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 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 14 13 12 12 13 13 13 15 15 16
Consolidated Net Income / (Loss)		 15 14 13 13 14 14 14 16 16 17
Net Income / (Loss) Continuing Operations		 15 14 13 13 14 14 14 16 16 17
Total Pre-Tax Income 		19 17 16 15 17 17 17 20 20 21
Total Revenue		 59 58 55 54 57 55 56 56 60 58
Net Interest Income / (Expense)		 49 47 46 45 48 47 47 48 51 50
Total Interest Income		 84 83 81 78 79 76 72 67 62 55
Loans and Leases Interest Income		 74 76 72 72 73 71 67 62 58 51
Investment Securities Interest Income		 9.51 7.51 8.51 6.39 6.19 4.54 5.43 4.31 4.65 4.67
Total Interest Expense		 35 36 35 33 32 28 25 19 12 5.39
Deposits Interest Expense		 34 35 34 32 30 27 24 17 10 4.41
Long-Term Debt Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.09 0.45 1.26 0.37 0.01
Other Interest Expense		 1.10 1.12 1.14 1.13 1.13 1.08 1.05 1.04 1.01 0.98
Total Non-Interest Income		 10 11 8.87 8.96 9.14 7.86 8.29 8.04 9.01 7.96
Service Charges on Deposit Accounts		 1.71 1.79 1.79 1.69 1.80 1.86 1.91 1.80 1.81 1.87
Other Service Charges		 5.69 5.50 4.17 4.31 4.21 3.64 3.81 3.76 4.37 3.62
Net Realized & Unrealized Capital Gains on Investments		 0.07 0.65 -0.08 0.19 0.54 -0.40 -0.21 -0.26 0.28 -0.40
Investment Banking Income		 1.98 2.06 2.01 1.80 1.68 1.83 1.92 1.82 1.72 1.87
Other Non-Interest Income		 0.88 0.97 0.97 0.96 0.89 0.93 0.87 0.93 0.83 0.99
Provision for Credit Losses		 2.93 2.38 2.59 1.32 1.24 1.06 2.41 1.29 2.95 1.09
Total Non-Interest Expense		 38 39 36 37 38 37 36 34 37 36
Salaries and Employee Benefits		 19 20 18 19 19 18 17 17 19 19
Net Occupancy & Equipment Expense		 9.56 9.12 9.15 8.71 9.24 8.83 8.82 7.82 8.45 7.93
Marketing Expense		 0.68 0.62 0.55 0.69 1.05 0.84 0.70 0.54 1.02 0.71
Property & Liability Insurance Claims		 1.85 1.79 2.14 2.16 2.23 2.35 2.00 1.72 1.80 1.73
Other Operating Expenses		 7.21 7.69 6.47 7.08 6.73 7.14 7.41 6.86 6.95 6.84
Income Tax Expense		 3.57 3.34 3.05 2.83 3.16 3.40 3.33 3.91 3.99 4.05
Preferred Stock Dividends Declared		 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08
Basic Earnings per Share		 $0.66 $0.61 $0.57 $0.55 $0.62 $0.60 $0.61 $0.73 $0.67 $0.90
Weighted Average Basic Shares Outstanding		 20.98M 20.84M 20.83M 20.82M 21.02M 20.86M 20.92M 21.04M 21.12M 17.25M
Diluted Earnings per Share		 $0.67 $0.61 $0.56 $0.55 $0.61 $0.60 $0.61 $0.73 $0.67 $0.90
Weighted Average Diluted Shares Outstanding		 20.98M 20.91M 20.89M 20.89M 21.02M 20.90M 20.96M 21.08M 21.12M 17.29M
Weighted Average Basic & Diluted Shares Outstanding		 20.98M 20.99M 21.00M 21.00M 21.02M 20.90M 21.00M 21.06M 21.12M 21.12M
Cash Dividends to Common per Share		 $0.18 $0.18 $0.18 $0.18 $0.17 $0.18 $0.18 $0.18 $0.17 $0.18

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 221 116 -626
Net Cash From Operating Activities		 72 47 64
Net Cash From Continuing Operating Activities		 72 47 64
Net Income / (Loss) Continuing Operations		 55 58 63
Consolidated Net Income / (Loss)		 55 58 63
Provision For Loan Losses		 9.22 5.99 8.59
Depreciation Expense		 8.27 7.74 6.57
Amortization Expense		 -4.28 -2.85 -3.01
Non-Cash Adjustments to Reconcile Net Income		 -2.95 -2.90 -9.98
Changes in Operating Assets and Liabilities, net		 6.68 -19 -1.31
Net Cash From Investing Activities		 -203 -149 -805
Net Cash From Continuing Investing Activities		 -203 -149 -805
Purchase of Property, Leasehold Improvements and Equipment		 -16 -11 -12
Purchase of Investment Securities		 -346 -217 -905
Sale of Property, Leasehold Improvements and Equipment		 11 4.99 0.00
Sale and/or Maturity of Investments		 159 73 120
Other Investing Activities, net		 -11 0.70 -7.44
Net Cash From Financing Activities		 353 218 115
Net Cash From Continuing Financing Activities		 353 218 115
Net Change in Deposits		 373 376 -93
Issuance of Common Equity		 0.00 0.00 94
Repayment of Debt		 0.00 -132 132
Repurchase of Common Equity		 -0.64 -6.72 -1.67
Payment of Dividends		 -19 -19 -17
Cash Interest Paid		 134 102 27
Cash Income Taxes Paid		 13 12 17

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 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 82 30 30 79 39 57 -63 82 -104 -74
Net Cash From Operating Activities		 22 26 10 12 18 13 12 4.81 26 16
Net Cash From Continuing Operating Activities		 22 26 10 12 18 13 12 4.81 26 16
Net Income / (Loss) Continuing Operations		 15 14 13 13 14 14 14 16 16 17
Consolidated Net Income / (Loss)		 15 14 13 13 14 14 14 16 16 17
Provision For Loan Losses		 2.93 2.38 2.59 1.32 1.24 1.06 2.41 1.29 2.95 1.09
Depreciation Expense		 2.41 1.94 2.02 1.90 1.94 1.96 1.92 1.92 1.32 1.77
Amortization Expense		 -0.99 -0.97 -1.00 -1.32 -0.11 -0.73 -0.76 -1.26 -0.99 -0.43
Non-Cash Adjustments to Reconcile Net Income		 -0.70 -1.16 -0.44 -0.65 -1.22 0.70 -1.88 -0.50 -0.67 0.12
Changes in Operating Assets and Liabilities, net		 3.54 10 -5.70 -1.39 1.90 -3.81 -3.93 -13 7.29 -2.72
Net Cash From Investing Activities		 -90 -98 -49 33 31 -19 -145 -17 -256 -103
Net Cash From Continuing Investing Activities		 -90 -98 -49 33 31 -19 -145 -17 -256 -103
Purchase of Property, Leasehold Improvements and Equipment		 -3.39 -4.15 -6.31 -2.44 -1.89 -1.80 -3.78 -3.38 -4.01 -4.29
Purchase of Investment Securities		 -139 -142 -47 -18 18 -29 -196 -11 -259 -120
Sale and/or Maturity of Investments		 53 50 39 17 16 13 21 23 15 21
Other Investing Activities, net		 0.24 -1.52 -45 36 -1.68 -0.45 33 -31 -6.79 0.56
Net Cash From Financing Activities		 150 101 68 34 -8.83 63 70 94 126 12
Net Cash From Continuing Financing Activities		 150 101 68 34 -8.83 63 70 94 126 12
Net Change in Deposits		 154 106 73 39 -4.03 70 179 132 -1.37 -78
Repurchase of Common Equity		 0.01 -0.00 -0.44 -0.21 -0.07 -1.84 -2.31 -2.51 - -
Payment of Dividends		 -4.85 -4.86 -4.75 -4.76 -4.73 -4.74 -4.75 -4.77 -4.77 -4.03
Cash Interest Paid		 33 37 33 31 31 28 25 18 13 5.35
Cash Income Taxes Paid		 4.07 3.55 4.81 0.49 3.43 3.85 4.28 0.44 4.68 5.79

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 6,192 5,753 5,475
Cash and Due from Banks		 64 55 59
Federal Funds Sold		 375 164 43
Interest Bearing Deposits at Other Banks		 4.26 2.87 4.00
Trading Account Securities		 827 771 817
Loans and Leases, Net of Allowance		 4,562 4,423 4,232
Loans and Leases		 4,609 4,468 4,275
Allowance for Loan and Lease Losses		 47 46 43
Premises and Equipment, Net		 76 74 69
Intangible Assets		 44 44 44
Other Assets		 188 220 208
Total Liabilities & Shareholders' Equity		 6,192 5,753 5,475
Total Liabilities		 5,581 5,182 4,944
Non-Interest Bearing Deposits		 820 729 898
Interest Bearing Deposits		 4,552 4,270 3,724
Accrued Interest Payable		 64 40 51
Long-Term Debt		 105 105 105
Other Long-Term Liabilities		 40 38 34
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 611 571 531
Total Preferred & Common Equity		 611 571 531
Preferred Stock		 58 58 58
Total Common Equity		 553 513 473
Common Stock		 220 220 222
Retained Earnings		 381 346 307
Treasury Stock		 -4.69 -6.89 -2.97
Accumulated Other Comprehensive Income / (Loss)		 -44 -46 -53

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 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 6,015 5,887 5,801 5,732 5,664 5,583 5,317
Cash and Due from Banks		 75 56 39 62 58 51 51
Federal Funds Sold		 282 272 259 118 63 133 153
Interest Bearing Deposits at Other Banks		 3.72 3.17 3.04 3.42 4.24 4.69 5.46
Trading Account Securities		 759 764 772 764 786 812 820
Loans and Leases, Net of Allowance		 4,545 4,434 4,386 4,446 4,419 4,257 3,983
Loans and Leases		 4,592 4,480 4,431 4,492 4,465 4,301 4,025
Allowance for Loan and Lease Losses		 47 46 46 46 46 44 41
Premises and Equipment, Net		 82 79 75 73 73 71 66
Intangible Assets		 44 44 44 44 44 44 0.39
Other Assets		 223 234 224 221 216 4,468 194
Total Liabilities & Shareholders' Equity		 6,015 5,887 5,801 5,732 5,664 5,583 5,317
Total Liabilities		 5,408 5,300 5,223 5,183 5,114 5,037 4,801
Non-Interest Bearing Deposits		 841 763 749 783 808 811 868
Interest Bearing Deposits		 4,376 4,348 4,288 4,220 4,125 3,944 3,756
Accrued Interest Payable		 47 47 42 37 38 40 44
Long-Term Debt		 105 105 105 105 105 105 105
Other Long-Term Liabilities		 40 37 38 38 38 36 29
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 606 587 579 549 550 546 516
Total Preferred & Common Equity		 606 587 579 549 550 546 516
Preferred Stock		 58 58 58 58 58 58 58
Total Common Equity		 549 529 521 491 492 489 458
Common Stock		 219 219 218 220 220 220 221
Retained Earnings		 371 362 354 337 328 319 296
Treasury Stock		 -4.52 -4.44 -3.95 -6.86 -5.00 -2.87 -2.98
Accumulated Other Comprehensive Income / (Loss)		 -37 -47 -47 -59 -51 -47 -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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 1.53% -0.56% 16.15%
EBITDA Growth		 -7.00% -6.19% 8.93%
EBIT Growth		 -6.22% -8.16% 10.51%
NOPAT Growth		 -5.94% -8.18% 9.50%
Net Income Growth		 -5.94% -8.18% 9.50%
EPS Growth		 -6.27% -21.78% 3.16%
Operating Cash Flow Growth		 52.08% -26.59% 8.71%
Free Cash Flow Firm Growth		 -90.09% 195.05% -5,809.38%
Invested Capital Growth		 5.88% -11.93% 40.32%
Revenue Q/Q Growth		 1.13% -1.33% 4.11%
EBITDA Q/Q Growth		 1.53% -1.57% 2.66%
EBIT Q/Q Growth		 2.26% -3.66% 2.85%
NOPAT Q/Q Growth		 2.03% -3.18% 2.02%
Net Income Q/Q Growth		 2.03% -3.18% 2.02%
EPS Q/Q Growth		 2.58% -2.30% -3.83%
Operating Cash Flow Q/Q Growth		 6.75% -14.62% 9.40%
Free Cash Flow Firm Q/Q Growth		 473.68% 463.87% 71.82%
Invested Capital Q/Q Growth		 0.62% 3.38% 23.70%
Profitability Metrics		 - - -
EBITDA Margin		 31.49% 34.38% 36.44%
EBIT Margin		 29.73% 32.19% 34.85%
Profit (Net Income) Margin		 24.09% 26.00% 28.16%
Tax Burden Percent		 81.02% 80.78% 80.79%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 18.98% 19.22% 19.21%
Return on Invested Capital (ROIC)		 7.84% 8.04% 9.61%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.84% 8.04% 9.61%
Return on Net Nonoperating Assets (RNNOA)		 1.39% 2.49% 3.37%
Return on Equity (ROE)		 9.23% 10.53% 12.98%
Cash Return on Invested Capital (CROIC)		 2.13% 20.73% -23.95%
Operating Return on Assets (OROA)		 1.13% 1.28% 1.45%
Return on Assets (ROA)		 0.91% 1.03% 1.17%
Return on Common Equity (ROCE)		 8.33% 9.43% 11.44%
Return on Equity Simple (ROE_SIMPLE)		 8.94% 10.16% 11.91%
Net Operating Profit after Tax (NOPAT)		 55 58 63
NOPAT Margin		 24.09% 26.00% 28.16%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.15% 48.80% 46.65%
Operating Expenses to Revenue		 66.20% 65.13% 61.32%
Earnings before Interest and Taxes (EBIT)		 67 72 78
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 71 77 82
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.94 0.88 0.99
Price to Tangible Book Value (P/TBV)		 1.02 0.97 1.09
Price to Revenue (P/Rev)		 2.29 2.03 2.08
Price to Earnings (P/E)		 10.31 8.45 7.92
Dividend Yield		 2.88% 3.22% 3.17%
Earnings Yield		 9.70% 11.83% 12.63%
Enterprise Value to Invested Capital (EV/IC)		 0.33 0.58 0.85
Enterprise Value to Revenue (EV/Rev)		 1.05 1.77 2.92
Enterprise Value to EBITDA (EV/EBITDA)		 3.34 5.14 8.01
Enterprise Value to EBIT (EV/EBIT)		 3.53 5.49 8.37
Enterprise Value to NOPAT (EV/NOPAT)		 4.36 6.80 10.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.33 8.39 10.22
Enterprise Value to Free Cash Flow (EV/FCFF)		 16.06 2.64 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.17 0.18 0.45
Long-Term Debt to Equity		 0.17 0.18 0.20
Financial Leverage		 0.18 0.31 0.35
Leverage Ratio		 10.11 10.19 11.10
Compound Leverage Factor		 10.11 10.19 11.10
Debt to Total Capital		 14.69% 15.51% 30.87%
Short-Term Debt to Total Capital		 0.00% 0.00% 17.24%
Long-Term Debt to Total Capital		 14.69% 15.51% 13.62%
Preferred Equity to Total Capital		 8.07% 8.55% 7.53%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 77.23% 75.94% 61.61%
Debt to EBITDA		 1.47 1.37 2.90
Net Debt to EBITDA		 -4.74 -1.53 1.60
Long-Term Debt to EBITDA		 1.47 1.37 1.28
Debt to NOPAT		 1.93 1.81 3.75
Net Debt to NOPAT		 -6.19 -2.02 2.07
Long-Term Debt to NOPAT		 1.93 1.81 1.66
Noncontrolling Interest Sharing Ratio		 9.78% 10.49% 11.87%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 15 150 -157
Operating Cash Flow to CapEx		 1,401.65% 803.40% 521.18%
Free Cash Flow to Firm to Interest Expense		 0.11 1.44 -6.54
Operating Cash Flow to Interest Expense		 0.52 0.45 2.66
Operating Cash Flow Less CapEx to Interest Expense		 0.48 0.40 2.15
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 3.03 3.14 3.45
Capital & Investment Metrics		 - - -
Invested Capital		 716 676 768
Invested Capital Turnover		 0.33 0.31 0.34
Increase / (Decrease) in Invested Capital		 40 -92 221
Enterprise Value (EV)		 238 395 655
Market Capitalization		 518 454 466
Book Value per Share		 $26.34 $24.57 $22.39
Tangible Book Value per Share		 $24.25 $22.46 $20.31
Total Capital		 716 676 768
Total Debt		 105 105 237
Total Long-Term Debt		 105 105 105
Net Debt		 -338 -117 131
Capital Expenditures (CapEx)		 5.10 5.85 12
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 105 105 237
Total Depreciation and Amortization (D&A)		 3.99 4.89 3.56
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.39 $2.56 $3.26
Adjusted Weighted Average Basic Shares Outstanding		 20.98M 21.02M 21.12M
Adjusted Diluted Earnings per Share		 $2.39 $2.55 $3.26
Adjusted Weighted Average Diluted Shares Outstanding		 20.98M 21.02M 21.12M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.98M 21.02M 21.12M
Normalized Net Operating Profit after Tax (NOPAT)		 55 58 63
Normalized NOPAT Margin		 24.09% 26.00% 28.16%
Pre Tax Income Margin		 29.73% 32.19% 34.85%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.49 0.69 3.25
NOPAT to Interest Expense		 0.40 0.56 2.62
EBIT Less CapEx to Interest Expense		 0.45 0.64 2.74
NOPAT Less CapEx to Interest Expense		 0.36 0.50 2.11
Payout Ratios		 - - -
Dividend Payout Ratio		 35.21% 32.74% 26.68%
Augmented Payout Ratio		 36.38% 44.33% 29.33%

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 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 4.46% 6.10% -1.75% -2.70% -5.03% -4.78% 2.03% 6.52% 17.37% 18.80%
EBITDA Growth		 5.68% -0.55% -7.05% -23.99% -6.07% -16.61% -8.29% 7.57% 11.74% 10.22%
EBIT Growth		 8.70% 0.96% -6.75% -24.35% -13.74% -17.16% -9.36% 8.89% 12.23% 12.31%
NOPAT Growth		 7.78% 1.65% -6.29% -23.59% -11.98% -17.43% -10.44% 8.16% 8.55% 11.52%
Net Income Growth		 7.78% 1.65% -6.29% -23.59% -11.98% -17.43% -10.44% 8.16% 8.55% 11.52%
EPS Growth		 9.84% 1.67% -8.20% -24.66% -8.96% -33.33% -28.24% -13.10% -16.25% 9.76%
Operating Cash Flow Growth		 25.53% 104.28% -9.86% 158.83% -31.25% -21.61% -35.75% 27.09% 27.16% -7.01%
Free Cash Flow Firm Growth		 -123.38% -121.27% 78.30% 139.81% 151.57% 96.75% -241.86% -669.45% -347.58% -190.05%
Invested Capital Growth		 5.88% 8.78% 5.71% -9.24% -11.93% 5.38% 23.93% 42.03% 40.32% 0.00%
Revenue Q/Q Growth		 1.55% 7.10% 0.75% -4.67% 3.14% -0.82% -0.23% -6.95% 3.41% 6.28%
EBITDA Q/Q Growth		 9.76% 7.23% 6.35% -15.57% 3.29% 0.22% -13.03% 4.33% -8.30% 10.22%
EBIT Q/Q Growth		 7.73% 8.07% 3.69% -9.95% 0.06% -0.18% -15.89% 2.68% -3.90% 9.21%
NOPAT Q/Q Growth		 7.95% 7.69% 2.83% -9.85% 1.82% -0.72% -16.14% 3.84% -4.48% 7.69%
Net Income Q/Q Growth		 7.95% 7.69% 2.83% -9.85% 1.82% -0.72% -16.14% 3.84% -4.48% 7.69%
EPS Q/Q Growth		 9.84% 8.93% 1.82% -9.84% 1.67% -1.64% -16.44% 8.96% -25.56% 5.88%
Operating Cash Flow Q/Q Growth		 -15.66% 152.60% -16.21% -29.68% 37.25% 11.46% 140.59% -81.32% 56.50% -8.65%
Free Cash Flow Firm Q/Q Growth		 43.25% -78.19% -129.71% -22.18% 637.05% 82.53% 45.48% -0.81% 66.10% -861.50%
Invested Capital Q/Q Growth		 0.62% 2.85% 1.19% 1.10% 3.38% -0.05% -13.12% -1.90% 23.70% 17.54%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 33.76% 31.24% 31.20% 29.56% 33.37% 33.33% 32.98% 37.83% 33.74% 38.05%
EBIT Margin		 31.38% 29.58% 29.32% 28.49% 30.16% 31.09% 30.89% 36.64% 33.20% 35.73%
Profit (Net Income) Margin		 25.38% 23.87% 23.74% 23.26% 24.59% 24.91% 24.89% 29.61% 26.54% 28.73%
Tax Burden Percent		 80.86% 80.69% 80.97% 81.64% 81.55% 80.14% 80.58% 80.82% 79.92% 80.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.14% 19.31% 19.03% 18.36% 18.45% 19.86% 19.42% 19.18% 20.08% 19.59%
Return on Invested Capital (ROIC)		 8.26% 7.83% 7.78% 7.18% 7.60% 8.84% 9.64% 10.51% 9.06% 19.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.26% 7.83% 7.78% 7.18% 7.60% 8.84% 9.64% 10.51% 9.06% 19.96%
Return on Net Nonoperating Assets (RNNOA)		 1.47% 1.42% 1.44% 1.99% 2.36% 1.74% 2.07% 3.36% 3.18% 4.04%
Return on Equity (ROE)		 9.73% 9.26% 9.22% 9.16% 9.96% 10.58% 11.71% 13.88% 12.23% 24.00%
Cash Return on Invested Capital (CROIC)		 2.13% -0.58% 2.36% 17.22% 20.73% 4.16% -10.75% -24.69% -23.95% -180.04%
Operating Return on Assets (OROA)		 1.19% 1.13% 1.12% 1.11% 1.20% 1.27% 1.29% 1.54% 1.38% 1.45%
Return on Assets (ROA)		 0.96% 0.91% 0.91% 0.91% 0.98% 1.02% 1.04% 1.24% 1.10% 1.16%
Return on Common Equity (ROCE)		 8.78% 8.33% 8.28% 8.22% 8.92% 9.43% 10.32% 12.23% 10.78% 21.31%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.82% 9.08% 9.35% 0.00% 10.91% 11.43% 11.79% 0.00% 12.00%
Net Operating Profit after Tax (NOPAT)		 15 14 13 13 14 14 14 16 16 17
NOPAT Margin		 25.38% 23.87% 23.74% 23.26% 24.59% 24.91% 24.89% 29.61% 26.54% 28.73%
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%
SG&A Expenses to Revenue		 48.42% 50.14% 50.17% 52.02% 51.89% 49.78% 47.84% 45.64% 47.25% 47.59%
Operating Expenses to Revenue		 63.68% 66.34% 65.94% 69.08% 67.66% 67.00% 64.78% 61.04% 61.87% 62.38%
Earnings before Interest and Taxes (EBIT)		 19 17 16 15 17 17 17 20 20 21
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 18 17 16 19 18 18 21 20 22
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.94 0.92 0.81 0.82 0.88 0.75 0.73 0.79 0.99 0.82
Price to Tangible Book Value (P/TBV)		 1.02 1.00 0.88 0.89 0.97 0.82 0.80 0.87 1.09 0.90
Price to Revenue (P/Rev)		 2.29 2.25 1.94 1.92 2.03 1.63 1.57 1.70 2.08 1.74
Price to Earnings (P/E)		 10.31 10.27 8.76 8.53 8.45 6.61 6.13 6.44 7.92 6.49
Dividend Yield		 2.88% 2.93% 3.43% 3.46% 3.22% 4.00% 4.11% 3.82% 3.17% 3.16%
Earnings Yield		 9.70% 9.74% 11.42% 11.73% 11.83% 15.13% 16.32% 15.53% 12.63% 15.41%
Enterprise Value to Invested Capital (EV/IC)		 0.33 0.43 0.38 0.42 0.58 0.53 0.61 0.61 0.85 0.53
Enterprise Value to Revenue (EV/Rev)		 1.05 1.37 1.18 1.29 1.77 1.54 1.73 2.03 2.92 1.51
Enterprise Value to EBITDA (EV/EBITDA)		 3.34 4.37 3.70 3.99 5.14 4.46 4.85 5.56 8.01 4.10
Enterprise Value to EBIT (EV/EBIT)		 3.53 4.66 3.96 4.28 5.49 4.66 5.07 5.80 8.37 4.29
Enterprise Value to NOPAT (EV/NOPAT)		 4.36 5.74 4.89 5.29 6.80 5.80 6.30 7.19 10.36 5.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.33 4.59 4.86 5.23 8.39 6.31 6.75 7.12 10.22 5.58
Enterprise Value to Free Cash Flow (EV/FCFF)		 16.06 0.00 16.38 2.31 2.64 13.10 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.17 0.17 0.18 0.18 0.18 0.19 0.19 0.38 0.45 0.20
Long-Term Debt to Equity		 0.17 0.17 0.18 0.18 0.18 0.19 0.19 0.19 0.20 0.20
Financial Leverage		 0.18 0.18 0.18 0.28 0.31 0.20 0.21 0.32 0.35 0.20
Leverage Ratio		 10.11 10.17 10.16 10.12 10.19 10.37 11.26 11.18 11.10 10.30
Compound Leverage Factor		 10.11 10.17 10.16 10.12 10.19 10.37 11.26 11.18 11.10 10.30
Debt to Total Capital		 14.69% 14.77% 15.18% 15.35% 15.51% 16.03% 16.01% 27.45% 30.87% 16.84%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 13.55% 17.24% 0.00%
Long-Term Debt to Total Capital		 14.69% 14.77% 15.18% 15.35% 15.51% 16.03% 16.01% 13.90% 13.62% 16.84%
Preferred Equity to Total Capital		 8.07% 8.12% 8.35% 8.45% 8.55% 8.84% 8.83% 7.67% 7.53% 9.31%
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%
Common Equity to Total Capital		 77.23% 77.10% 76.46% 76.19% 75.94% 75.14% 75.16% 64.88% 61.61% 73.85%
Debt to EBITDA		 1.47 1.50 1.49 1.46 1.37 1.34 1.28 2.48 2.90 1.31
Net Debt to EBITDA		 -4.74 -3.64 -3.21 -2.74 -1.53 -1.00 -0.25 0.22 1.60 -1.32
Long-Term Debt to EBITDA		 1.47 1.50 1.49 1.46 1.37 1.34 1.28 1.26 1.28 1.31
Debt to NOPAT		 1.93 1.97 1.97 1.94 1.81 1.75 1.67 3.21 3.75 1.69
Net Debt to NOPAT		 -6.19 -4.78 -4.25 -3.63 -2.02 -1.30 -0.33 0.28 2.07 -1.70
Long-Term Debt to NOPAT		 1.93 1.97 1.97 1.94 1.81 1.75 1.67 1.62 1.66 1.69
Noncontrolling Interest Sharing Ratio		 9.78% 10.00% 10.17% 10.27% 10.49% 10.85% 11.88% 11.89% 11.87% 11.20%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -25 -44 -24 82 106 -20 -113 -206 -205 -604
Operating Cash Flow to CapEx		 655.50% 635.60% 0.00% 623.31% 936.47% 718.36% 306.73% 0.00% 642.35% 384.11%
Free Cash Flow to Firm to Interest Expense		 -0.71 -1.22 -0.70 2.51 3.35 -0.70 -4.49 -10.86 -17.63 -112.06
Operating Cash Flow to Interest Expense		 0.64 0.74 0.30 0.38 0.56 0.46 0.46 0.25 2.22 3.06
Operating Cash Flow Less CapEx to Interest Expense		 0.54 0.62 0.43 0.32 0.50 0.39 0.31 0.34 1.87 2.26
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.03 2.88 2.90 3.05 3.14 3.25 3.37 3.43 3.45 3.27
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 716 711 692 684 676 654 654 753 768 621
Invested Capital Turnover		 0.33 0.33 0.33 0.31 0.31 0.35 0.39 0.36 0.34 0.69
Increase / (Decrease) in Invested Capital		 40 57 37 -70 -92 33 126 223 221 621
Enterprise Value (EV)		 238 307 260 286 395 348 396 463 655 327
Market Capitalization		 518 505 429 425 454 368 359 387 466 374
Book Value per Share		 $26.34 $26.13 $25.18 $24.77 $24.57 $23.41 $23.35 $23.14 $22.39 $27.19
Tangible Book Value per Share		 $24.25 $24.03 $23.08 $22.67 $22.46 $21.30 $21.25 $21.05 $20.31 $24.57
Total Capital		 716 711 692 684 676 654 654 753 768 621
Total Debt		 105 105 105 105 105 105 105 207 237 105
Total Long-Term Debt		 105 105 105 105 105 105 105 105 105 105
Net Debt		 -338 -256 -226 -196 -117 -78 -20 18 131 -105
Capital Expenditures (CapEx)		 3.39 4.15 -4.44 2.00 1.89 1.80 3.78 -1.61 4.01 4.29
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 105 105 105 105 105 105 105 207 237 105
Total Depreciation and Amortization (D&A)		 1.41 0.97 1.03 0.58 1.83 1.23 1.16 0.67 0.32 1.34
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.61 $0.57 $0.55 $0.62 $0.60 $0.61 $0.73 $0.67 $0.90
Adjusted Weighted Average Basic Shares Outstanding		 20.98M 20.84M 20.83M 20.82M 21.02M 20.86M 20.92M 21.04M 21.12M 21.12M
Adjusted Diluted Earnings per Share		 $0.67 $0.61 $0.56 $0.55 $0.61 $0.60 $0.61 $0.73 $0.67 $0.90
Adjusted Weighted Average Diluted Shares Outstanding		 20.98M 20.91M 20.89M 20.89M 21.02M 20.90M 20.96M 21.08M 21.12M 21.12M
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
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.98M 20.99M 21.00M 21.00M 21.02M 20.90M 21.00M 21.06M 21.12M 21.12M
Normalized Net Operating Profit after Tax (NOPAT)		 15 14 13 13 14 14 14 16 16 17
Normalized NOPAT Margin		 25.38% 23.87% 23.74% 23.26% 24.59% 24.91% 24.89% 29.61% 26.54% 28.73%
Pre Tax Income Margin		 31.38% 29.58% 29.32% 28.49% 30.16% 31.09% 30.89% 36.64% 33.20% 35.73%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.54 0.48 0.46 0.47 0.54 0.61 0.68 1.07 1.71 3.84
NOPAT to Interest Expense		 0.43 0.39 0.37 0.39 0.44 0.49 0.55 0.87 1.37 3.08
EBIT Less CapEx to Interest Expense		 0.44 0.37 0.59 0.41 0.48 0.54 0.53 1.16 1.37 3.04
NOPAT Less CapEx to Interest Expense		 0.34 0.27 0.50 0.32 0.38 0.42 0.40 0.95 1.02 2.29
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 35.21% 35.69% 35.64% 35.06% 32.74% 31.77% 29.16% 27.31% 26.68% 26.01%
Augmented Payout Ratio		 36.38% 37.04% 40.44% 43.24% 44.33% 42.88% 36.83% 31.20% 29.33% 30.33%

Frequently Asked Questions About CNB Financial's Financials

When does CNB Financial's fiscal year end?

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.

How has CNB Financial's net income changed over the last 2 years?

CNB Financial's net income appears to be on a downward trend, with a most recent value of $54.58 million in 2024, falling from $63.19 million in 2022. The previous period was $58.02 million in 2023.

How has CNB Financial revenue changed over the last 2 years?

Over the last 2 years, CNB Financial's total revenue changed from $224.43 million in 2022 to $226.58 million in 2024, a change of 1.0%.

How much debt does CNB Financial have?

CNB Financial's total liabilities were at $5.58 billion at the end of 2024, a 7.7% increase from 2023, and a 12.9% increase since 2022.

How much cash does CNB Financial have?

In the past 2 years, CNB Financial's cash and equivalents has ranged from $54.79 million in 2023 to $63.77 million in 2024, and is currently $63.77 million as of their latest financial filing in 2024.

How has CNB Financial's book value per share changed over the last 2 years?

Over the last 2 years, CNB Financial's book value per share changed from 22.39 in 2022 to 26.34 in 2024, a change of 17.6%.


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This page (NASDAQ:CCNEP) was last updated on 5/22/2025 by MarketBeat.com Staff
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