Saturday 17 October 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. In the quarter to June 2026, revenue grew 34.0%, EPS grew 49.2%, free cash flow grew 101.9% and total debt fell 47.2%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for ten; insiders bought in the last twelve months.
34.12
0.24
+0.71%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
18.83 | 17.04 | 10.43 | 12.43 | 10.75 | 8.39 | 7.19 | 8.81 | 10.40 | 10.77 |
Piotroski F-Score |
5 | 6 | 6 | 8 | 4 | 5 | 6 | 5 | 6 | 7 |
P/S ratio |
3.43 | 3.11 | 2.29 | 2.73 | 1.74 | 2.09 | 1.71 | 1.44 | 1.42 | 1.49 |
P/FCF ratio |
22.35 | 15.29 | 8.15 | 11.21 | 14.32 | 8.38 | 8.14 | 13.06 | 8.10 | 10.01 |
P/Operating CF |
8.03 | 37.37 | 20.10 | 23.70 | 36.44 | 21.99 | 16.50 | 26.62 | 23.29 | 24.65 |
P/B ratio |
1.82 | 1.66 | 1.33 | 1.63 | 0.95 | 1.16 | 0.90 | 0.92 | 0.94 | 0.79 |
Price to Tangible BV |
2.28 | 2.00 | 1.57 | 1.87 | 1.09 | 1.31 | 1.00 | 1.01 | 1.02 | 0.93 |
EV/Sales |
4.99 | 5.09 | 4.06 | 3.31 | (0.62) | (0.86) | 1.70 | 1.08 | 0.49 | 0.51 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
20.88 | 21.56 | 13.81 | 11.55 | (4.22) | (3.09) | 6.61 | 7.54 | 2.52 | 3.40 |
EV/FCF |
32.50 | 25.04 | 14.46 | 13.59 | (5.11) | (3.43) | 8.10 | 9.82 | 2.82 | 3.44 |
Quick Ratio |
0.01 | 0.02 | 0.02 | 0.06 | 0.13 | 0.15 | 0.02 | 0.04 | 0.08 | 0.07 |
Current Ratio |
0.89 | 0.98 | 0.96 | 0.96 | 0.93 | 0.92 | 0.92 | 0.94 | 0.93 | 0.97 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
7.91% | 10.60% | 9.80% | 7.93% | 1.49% | 1.96% | 1.91% | 1.82% | 1.70% | 1.26% |
Debt/Equity |
0.96 | 1.20 | 1.20 | 0.98 | 0.17 | 0.24 | 0.20 | 0.18 | 0.17 | 0.12 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.30 | 1.30 | 1.34 | 1.30 | 0.91 | 1.11 | 1.09 | 0.88 | 1.43 | 1.06 |
Capex/Depreciation |
(3.03) | (1.06) | (0.47) | (1.53) | 4.91 | 1.29 | (7.06) | (2.24) | (1.89) | 0.42 |
| 9.93% | 10.41% | 13.25% | 14.07% | 9.50% | 14.32% | 13.67% | 10.83% | 9.36% | 8.97% | |
| 0.85% | 0.89% | 1.12% | 1.14% | 0.74% | 1.06% | 1.09% | 0.95% | 0.84% | 0.84% | |
ROIC |
4.56% | 4.51% | 4.72% | 7.43% | 0.00% | 0.00% | 9.24% | 9.89% | 15.43% | 13.38% |
Return on Tangible Assets |
(11.09%) | 1,022.63% | (49.38%) | (48.37%) | (12.75%) | (16.22%) | (17.40%) | (21.18%) | (17.49%) | (47.56%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
62.19% | 57.91% | 55.39% | 51.07% | 56.36% | 57.47% | 58.84% | 46.25% | 43.65% | 42.56% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.73% | 0.71% | 1.01% | 0.74% | 0.72% | 0.70% | 0.54% | 0.53% | 0.61% | 0.62% |
Graham Net Nets |
(1.16) | (0.84) | (1.24) | (0.92) | (1.17) | (1.16) | (1.28) | (0.99) | (0.98) | (0.71) |
Graham Number |
21.70 | 23.86 | 29.25 | 34.50 | 31.59 | 40.34 | 44.12 | 37.61 | 37.77 | 42.56 |
Earnings Yield |
5.31% | 5.87% | 9.59% | 8.05% | 9.30% | 11.92% | 13.92% | 11.35% | 9.61% | 9.29% |
Free Cash Flow Yield |
4.47% | 6.54% | 12.27% | 8.92% | 6.98% | 11.93% | 12.29% | 7.66% | 12.35% | 9.99% |
Revenue per Share |
7.79 | 8.61 | 10.03 | 11.98 | 12.20 | 12.67 | 13.82 | 15.64 | 17.50 | 17.59 |
Operating CF per Share |
1.86 | 2.03 | 2.95 | 3.43 | 1.80 | 3.50 | 3.56 | 2.25 | 3.43 | 2.64 |
Capex per Share |
(0.67) | (0.28) | (0.13) | (0.52) | (0.31) | (0.34) | (0.66) | (0.52) | (0.36) | (0.03) |
Free Cash Flow per Share |
1.20 | 1.75 | 2.82 | 2.92 | 1.49 | 3.16 | 2.91 | 1.73 | 3.07 | 2.61 |
Cash per Share |
2.03 | 2.34 | 3.00 | 12.73 | 33.29 | 43.53 | 5.91 | 10.62 | 21.26 | 21.47 |
Shareholders Equity per Share |
14.73 | 16.12 | 17.28 | 20.11 | 26.01 | 26.33 | 29.51 | 27.33 | 29.31 | 35.47 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.73 | 16.12 | 17.28 | 20.11 | 26.01 | 26.33 | 29.51 | 27.33 | 29.31 | 35.47 |
Free Cash Flow |
17.20 | 26.49 | 42.84 | 44.23 | 23.78 | 53.18 | 52.26 | 36.10 | 63.96 | 64.26 |
Working Capital |
(234.75) | (48.39) | (117.90) | (137.42) | (307.15) | (389.72) | (405.71) | (326.03) | (361.22) | (219.22) |
Capital Expenditures |
(9.57) | (4.28) | (2.02) | (7.82) | (4.98) | (5.74) | (11.79) | (10.92) | (7.55) | (0.72) |
Net Current Asset Value |
(444.86) | (341.96) | (433.64) | (455.31) | (397.22) | (515.16) | (544.02) | (468.56) | (506.73) | (456.58) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.09 | 0.03 | 0.01 | 0.04 | 0.03 | 0.03 | 0.05 | 0.03 | 0.02 | 0.00 |
Price to Operating Income |
13.63 | 11.17 | 8.91 | 10.15 | 6.48 | 6.30 | 5.44 | 6.56 | 7.69 | 6.68 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.06 | 0.08 | 0.09 | 0.09 | (0.02) | (0.07) | 0.02 | 0.07 | 0.05 | (0.02) |
Cash ROIC |
3.87% | 4.62% | 6.86% | 5.55% | 2.33% | 4.16% | 7.05% | 4.02% | 5.52% | 4.27% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
56,524.07 | 45,565.94 | 35,359.44 | 28,645.32 | 47,027.87 | 86,841.62 | 70,068.92 | 17,566.15 | 14,206.77 | 17,064.15 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,916.29 | 2,092.67 | 2,389.30 | 2,856.56 | 3,642.04 | 4,448.68 | 4,669.03 | 4,810.59 | 5,185.06 | 6,199.24 |
Average Assets |
2,429.48 | 2,671.30 | 2,995.15 | 3,492.59 | 4,246.53 | 5,029.17 | 5,402.06 | 5,614.07 | 5,972.48 | 7,294.22 |
Average Common Equity |
206.85 | 227.85 | 253.37 | 283.90 | 331.66 | 371.71 | 429.02 | 493.22 | 533.19 | 683.63 |
Columns are period end dates