Pricing Log in Create free account
Friday 6 November 2026 Export CCNE’s income statement to Excel — free account

CNB Financial Corporation

CCNE Financial Banks Regional

CNB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $432.5 million, up 18.6% from fiscal 2024.

Revenue
+6.10%
EPS
+31.9%
Free cash flow
+2.73%
Total debt
−47.2%

Quarter to September 2026, against a year earlier

36.02 0.76 −2.07%
Market cap
$1.1B
P/E
10.7×
Fwd P/E
9.9×
Dividend yield
2.08%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.13
Sold, $m 0.93
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 2 — 1 1 — — — 1 — — —
Sell 2 2 4 — 2 — 1 — — — — —
Insider Ownership 3.02%

Capital & Financial Ratios $m

Size
Market Cap 1,070.00
Revenue ttm 503.11
Net income ttm 104.11
Free cash flow ttm 90.61
Net debt Q (269.72)
Valuation
P/E 10.69
Forward P/E 9.86
Price / sales 2.10
Forward P/S Powerpack
Price / FCF 11.68
Price / book 1.24
Financial health
Current ratio Q 0.96
Debt / equity Q 0.06
Interest coverage Q —
Growth
Revenue growth Q +6.10% (above 0%: growing)
Operating income growth Q +99.70% (above 0%: growing)
EPS, this year +21.07% (at or above 15%: strong)
EPS, next year A +3.92%
Revenue, next year A −19.61% (below 0%: weak)
EPS, past 5 yrs +4.80%
EPS, next 5 yrs A +10.36%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 48.40%
10-year low 10-year high
P/S against its own 10 years 58.27%
10-year low 10-year high
P/B against its own 10 years 64.06%
10-year low 10-year high

Dividends raised 2 years running

Yield
2.08%
Annual rate
0.75
Payout ratio
22.3%
Growth, 2017–25
+1.09%/yr
  1. 0.66 ’17
  2. 0.67 ’18 +2
  3. 0.85 ’19 +27
  4. 0.68 ’20 −20
  5. 0.69 ’21 +1
  6. 1.59 ’22 +132
  7. 0.70 ’23 −56
  8. 0.71 ’24 +1
  9. 0.72 ’25 +1
  10. 0.76 ’26e +6
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 222 443 528 325
Receivables — — — —
Inventory — — — —
Other — — — —
4,713 5,075 7,068 —
2023 2024 2025 Q'26
Payables 4,999 5,371 7,027 7,048
ST’ Debt — — — —
Other — — — —
5,039 5,436 7,287 —

Compound Annual Growth %

10y 5y 3y
Sales 15.29% 17.24% 20.29%
Cash Flow 6.81% 17.71% 0.48%
Earnings 10.70% 14.27% 1.51%
Book Value 15.76% 15.95% 18.00%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.88 Actual 0.91

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.77 0.88 Beat by 0.11
Q1 FY26 0.82 0.88 Beat by 0.06
Q2 FY26 0.87 0.91 Beat by 0.04
Q3 FY26 0.88 0.91 Beat by 0.03
Q4 FY26 0.90 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.88 0.91 0.91 — —
’25 0.50 0.61 0.69 0.66 2.49
’24 0.55 0.56 0.61 0.66 2.39
’23 0.73 0.61 0.60 0.62 2.55
’22 0.84 0.85 0.90 0.70 3.26
’21 0.78 0.76 0.82 0.80 3.16
’20 0.57 0.54 0.47 0.40 1.97
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 122 127 126 — —
’25 91 95 119 128 433
’24 87 90 94 94 365
’23 75 81 83 88 327
’22 56 58 63 71 249
’21 53 51 54 55 213
’20 45 46 49 55 195
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 19 37 5 — —
’25 12 20 7 26 65
’24 12 10 26 22 72
’23 5 12 13 18 47
’22 4 18 16 26 64
’21 11 10 18 20 59
’20 7 4 8 9 29
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 19 37 5 — —
’25 11 18 5 30 64
’24 10 4 22 27 64
’23 1 8 11 16 36
’22 2 16 12 22 52
’21 10 9 15 19 53
’20 5 3 8 7 24
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 112 130 153 182 195 213 249 327 365 433 503 +16.2% 348 368 389 (3.4%)
Gross margin, % 88.37 86.67 82.34 78.24 83.38 90.70 90.31 68.24 62.15 65.25 68.60 (23.1) pt
EBT 28 36 40 49 40 71 78 72 67 82 143 +12.9%
EBT margin, % 24.74 27.82 26.36 26.77 20.54 33.22 31.47 21.96 18.48 19.07 28.48 (5.7) pt
Net income 21 24 34 40 33 58 63 58 55 66 104 +13.9%
Per share, $
Per share, $ Revenue 7.79 8.61 10.03 11.98 12.20 12.67 13.82 15.64 17.50 17.59 17.12 +9.5%
Earnings 1.42 1.57 2.21 2.63 1.97 3.16 3.26 2.55 2.39 2.49 3.37 +6.4%
Cash flow 1.86 2.03 2.95 3.43 1.80 3.50 3.56 2.25 3.43 2.64 2.97 +4.0%
Capex (0.67) (0.28) (0.13) (0.52) (0.31) (0.34) (0.66) (0.52) (0.36) (0.03) 0.11 (29.3%)
Free cash flow 1.20 1.75 2.82 2.92 1.49 3.16 2.91 1.73 3.07 2.61 3.08 +9.1%
Book value 14.73 16.12 17.28 20.11 26.01 26.33 29.51 27.33 29.31 35.47 31.05 +10.3%
Shares, m 14 15 15 15 16 17 18 21 21 25 28 +6.1%
Valuation, ×
Valuation, × P/E 18.83 17.04 10.43 12.43 10.75 8.39 7.19 8.81 10.40 10.60 10.69 11.5
P/S 3.43 3.11 2.29 2.73 1.74 2.09 1.71 1.44 1.42 1.49 2.10 2.1
P/B 1.82 1.66 1.33 1.63 0.95 1.16 0.90 0.92 0.94 0.79 1.24 1.2
EV/Sales 4.99 5.09 4.06 3.31 (0.62) (0.86) 1.70 1.08 0.49 0.51 — 2.0
EV/FCF 32.50 25.04 14.46 13.59 (5.11) (3.43) 8.10 9.82 2.82 3.44 — 10.1
Cash, $m
Cash, $m Operating cash flow 27 31 45 52 29 59 64 47 72 65 87 +10.4%
Capex (10) (4) (2) (8) (5) (6) (12) (11) (8) (1) 3 (25.0%)
Free cash flow 17 26 43 44 24 53 52 36 64 64 91 +15.8%
Balance, $m
Balance, $m Working capital (235) (48) (118) (137) (307) (390) (406) (326) (361) (219) (323) (0.8%)
Net debt 174 258 270 106 (462) (628) (2) (117) (338) (422) (270) n/m
Shareholders’ equity 212 244 263 305 416 443 531 571 611 872 913 +17.0%
Returns, %
Returns, % ROA 0.85 0.89 1.12 1.14 0.74 1.06 1.09 0.95 0.84 0.84 0.00 0.0 pt
ROIC 4.56 4.51 4.72 7.43 0.00 0.00 9.24 9.89 15.43 13.38 0.00 +8.8 pt
ROE 9.93 10.41 13.25 14.07 9.50 14.32 13.67 10.83 9.36 8.97 0.00 (1.0) pt
People
People Employees 507 528 556 559 651 703 759 801 790 950 — +7.2%
Revenue/emp, $m 0.22 0.25 0.27 0.33 0.30 0.30 0.33 0.41 0.46 0.46 — +8.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

CNB Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00% Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00%
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00% Compare
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
SBSI Southside Bancshares, Inc. $1.0B 10.4× 9.6× +34.14% (above 0%: growing) +487.50% (above 0%: growing) +73.84% (above 0%: growing) 61.38% 0.00% Compare
Median of peers $1.1B 11.3× 10.6× +6.66% +11.87% +46.75% 65.81% 0.00%

All 327 Banks Regional stocks →

CNB Financial Corporation (CCNE) Latest News

2 Nov

Impact 3 · · GuruFocus.com

29 Oct

Impact 4 · · Moby
Impact 3 · · MarketBeat

28 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

16 Oct

Impact 3 · · Zacks

15 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · Zacks

28 Aug

Impact 3 · · Zacks

6 Aug

Impact 3 · · MarketBeat
Impact 3 ·

23 Jul

Impact 3 ·

1 Jul

Impact 3 ·

20 Apr

Impact 3 ·

14 Feb

Impact 3 · · Simply Wall St.

2 Feb

Impact 4 · · Simply Wall St.

27 Jan

Impact 4 · · Zacks
Impact 4 · · Associated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceAssociated Press Finance
Impact 4 · · GlobeNewswire

14 Jan

Impact 3 · · Simply Wall St.

13 Jan

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

12 Jan

Impact 3 ·
Impact 3 · · Simply Wall St.

8 Jan

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.
stockrow.com/CCNE · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com