Saturday 17 October 2026 Export CCNE’s income statement to Excel — free account

CNB Financial Corporation

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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Market cap: $1.0B
P/E: 11.0×
Fwd P/E: 8.8×
Dividend yield: 2.20%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.16

Total sells 0.93

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	2	—	1	1	—	—	—	1	—	—
Sell	—	2	2	4	—	2	—	1	—	—	—	—

Insider Ownership 2.91%

Capital & Financial Ratios $m

Market Cap 1,000.00

Revenue 495.84

Net Income 96.03

Free Cash Flow 90.47

Net Debt (402.82)

Current Ratio 0.96

Debt/Equity 0.06

P/E ratio 10.97

Fwd P/E 8.83

P/S ratio 2.02

P/B ratio 1.18

Past 5Y EPS Growth 4.80%

This Y EPS Growth 20.17%

Next Y EPS Growth 5.41%

Next Y revenue growth (29.48%)

Next 5Y EPS Growth 10.77%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 51.35%

10-year low 10-year high

P/S against its own 10 years 52.67%

10-year low 10-year high

P/B against its own 10 years 55.81%

10-year low 10-year high

Dividends

Payout Ratio 0.24

Annual Dividend Rate 0.75

Annual Dividend Yield 2.20%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.76	0.19 0.19 0.19
2025	0.72	0.18 0.18 0.18 0.18
2024	0.71	0.18 0.18 0.18 0.18
2023	0.70	0.18 0.18 0.18 0.18
2022	1.59	0.45 0.18 0.18 0.18 0.45 0.18
2021	0.69	0.17 0.17 0.17 0.18
2020	0.68	0.17 0.17 0.17 0.17
2019	0.85	0.17 0.17 0.17 0.17 0.17
2018	0.67	0.17 0.17 0.17 0.17
2017	0.66	0.17 0.17 0.17 0.17
2016	0.66	0.17 0.17 0.17 0.17

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	222	443	528	458
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,713	5,075	7,068	7,020

	2023	2024	2025	Q'26
Payables	4,999	5,371	7,027	7,080
ST’ Debt	—	—	—	—
Other	—	—	—	—
	5,039	5,436	7,287	7,343

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	122	127	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.88	0.91	—	—	—
’25	0.50	0.61	0.22	1.10	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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.51	20.91	21.43	22.87	13.25	20.20	22.98	16.43	17.74	19.32	Analyst estimates 2026–2028 Powerpack
	High	28.43	29.76	32.86	33.78	33.38	28.59	28.50	25.07	29.29	28.04
People
People	Employees	507	528	556	559	651	703	759	801	790	950
	Revenue/emp, $m	0.22	0.25	0.27	0.33	0.30	0.30	0.33	0.41	0.46	0.46
Income, $m
Income, $m	Revenue	112	130	153	182	195	213	249	327	365	433
	Gross margin, %	88.37	86.67	82.34	78.24	83.38	90.70	90.31	68.24	62.15	65.25
	EBT	28	36	40	49	40	71	78	72	67	82
	EBT margin, %	24.74	27.82	26.36	26.77	20.54	33.22	31.47	21.96	18.48	19.07
	Net income	21	24	34	40	33	58	63	58	55	66
	Depreciation	3	4	4	5	(1)	(4)	2	5	4	(2)
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
	Earnings	1.42	1.57	2.21	2.63	1.97	3.16	3.26	2.55	2.39	2.49
	Cash flow	1.86	2.03	2.95	3.43	1.80	3.50	3.56	2.25	3.43	2.64
	Capex	(0.67)	(0.28)	(0.13)	(0.52)	(0.31)	(0.34)	(0.66)	(0.52)	(0.36)	(0.03)
	Free cash flow	1.20	1.75	2.82	2.92	1.49	3.16	2.91	1.73	3.07	2.61
	Book value	14.73	16.12	17.28	20.11	26.01	26.33	29.51	27.33	29.31	35.47
	Shares, m	14	15	15	15	16	17	18	21	21	25
Valuation, ×
Valuation, ×	P/E	18.83	17.04	10.43	12.43	10.75	8.39	7.19	8.81	10.40	10.77
	P/S	3.43	3.11	2.29	2.73	1.74	2.09	1.71	1.44	1.42	1.49
	P/B	1.82	1.66	1.33	1.63	0.95	1.16	0.90	0.92	0.94	0.79
	EV/Sales	4.99	5.09	4.06	3.31	(0.62)	(0.86)	1.70	1.08	0.49	0.51
	EV/FCF	32.50	25.04	14.46	13.59	(5.11)	(3.43)	8.10	9.82	2.82	3.44
Cash, $m
Cash, $m	Operating cash flow	27	31	45	52	29	59	64	47	72	65
	Capex	(10)	(4)	(2)	(8)	(5)	(6)	(12)	(11)	(8)	(1)
	Free cash flow	17	26	43	44	24	53	52	36	64	64
Balance, $m
Balance, $m	Working capital	(235)	(48)	(118)	(137)	(307)	(390)	(406)	(326)	(361)	(219)
	Total debt	204	294	316	299	71	104	105	105	105	105
	Net debt	174	258	270	106	(462)	(628)	(2)	(117)	(338)	(422)
	Shareholders’ equity	212	244	263	305	416	443	531	571	611	872
Returns, %
Returns, %	ROA	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
	ROE	9.93	10.41	13.25	14.07	9.50	14.32	13.67	10.83	9.36	8.97

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FSBC Five Star Bancorp	$1.1B	12.7×	12.1×	+18.93% (above 0%: growing)	+33.82% (above 0%: growing)	+32.43% (above 0%: growing)	64.63%	0.00%	Compare
CFFN Capitol Federal Financial	$1.0B	12.6×	11.9×	+6.50% (above 0%: growing)	+35.71% (above 0%: growing)	+45.71% (above 0%: growing)	53.81%	0.00%	Compare
BFST Business First Bancshares, Inc.	$1.0B	11.1×	9.9×	+8.01% (above 0%: growing)	0.00%	+80.82% (above 0%: growing)	65.76%	0.00%	Compare
MBWM Mercantile Bank Corporation	$1.0B	10.3×	9.6×	+5.11% (above 0%: growing)	+7.91% (above 0%: growing)	+246.97% (above 0%: growing)	70.02%	0.00%	Compare
CCNE CNB Financial Corporation	$1.0B	11.0×	8.8×	+33.95% (above 0%: growing)	+49.18% (above 0%: growing)	+101.89% (above 0%: growing)	69.04%	0.00%
MCBS MetroCity Bankshares, Inc.	$1.0B	12.0×	10.4×	+27.40% (above 0%: growing)	+16.67% (above 0%: growing)	+45.94% (above 0%: growing)	65.38%	0.00%	Compare
HBNC Horizon Bancorp (IN)	$992.5M	— (loss-making)	8.9×	−1.83% (below 0%: shrinking)	+4.26% (above 0%: growing)	+72.88% (above 0%: growing)	75.11%	0.00%	Compare
EQBK Equity Bancshares, Inc.	$961.3M	27.9×	10.2×	+39.99% (above 0%: growing)	+47.13% (above 0%: growing)	+40.78% (above 0%: growing)	70.70%	0.00%	Compare
CAC Camden National Corporation	$944.0M	10.7×	9.4×	+1.16% (above 0%: growing)	+63.86% (above 0%: growing)	+557.83% (above 0%: growing)	72.13%	0.00%	Compare
Median of peers	$1.0B	12.0×	10.0×	+7.26%	+25.25%	+59.41%	67.89%	0.00%

All 323 Banks Regional stocks →

CNB Financial Corporation (CCNE) key facts

Strength: CNB Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $432.5 million, up 18.6% from fiscal 2024.
CNB Financial Corporation (CCNE) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CCNE traded at $34.12, a market capitalization of $1.0 billion.
CNB Financial Corporation pays an annual dividend of $0.75 per share, a yield of 2.20%, with a payout ratio of 24.1%.
Return on equity was 8.97% and debt-to-equity 0.06.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.