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Financials · CCNE

CNB Financial Corporation (CCNE) financials

For the twelve months ended Sep 30, 2026, CNB Financial Corporation reported $345.12M of revenue and $104.11M of net income.

Revenue, TTM
$345.12M
Revenue growth, YoY
+35.2%
Net income, TTM
$104.11M
Net income growth, YoY
+72.1%
Net margin
30.2%
Free cash flow, TTM
$84.43M
EPS, diluted, TTM
$3.36
EPS growth, YoY
+36.6%
Cash
$325.35M
Total debt
$199.00M
P/E
10.18
P/S
3.07
Market cap
$1.06B
Annual revenue$282.20M
FY2016FY2025
Annual net income$66.13M
FY2016FY2025
Annual free cash flow$58.65M
FY2016FY2025

CCNE revenue and earnings growth

CCNE revenueQ3 2026$87.79M

Quarter YoY
+13.0%
QoQ
+0.2%
FY YoY
+24.5%
5Y CAGR
+11.6%
10Y CAGR
+11.9%

CCNE revenue was $87.79M in fiscal Q3 2026 (ended Sep 30, 2026), up 13.0% from a year earlier and up 0.2% from the prior quarter. For the full fiscal 2025 it was $282.20M, up 24.5% from fiscal 2024. Compound annual growth was +11.6% over 5 years and +11.9% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CCNE net incomeQ3 2026$28.06M

Quarter YoY
+40.4%
QoQ
-0.9%
FY YoY
+21.2%
5Y CAGR
+15.1%
10Y CAGR
+11.5%

CCNE net income was $28.06M in fiscal Q3 2026 (ended Sep 30, 2026), up 40.4% from a year earlier and down 0.9% from the prior quarter. For the full fiscal 2025 it was $66.13M, up 21.2% from fiscal 2024. Compound annual growth was +15.1% over 5 years and +11.5% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CCNE EPSQ3 2026$0.91

Quarter YoY
+31.9%
QoQ
+0.0%
FY YoY
+4.2%
5Y CAGR
+4.8%
10Y CAGR
+4.9%

CCNE diluted EPS was $0.91 in fiscal Q3 2026 (ended Sep 30, 2026), up 31.9% from a year earlier and up 0.0% from the prior quarter. For the full fiscal 2025 it was $2.49, up 4.2% from fiscal 2024. Compound annual growth was +4.8% over 5 years and +4.9% over 10 years.

CCNE free cash flowQ3 2026$3.64M

Quarter YoY
-26.2%
QoQ
-89.9%
FY YoY
+6.2%
5Y CAGR
+20.5%
10Y CAGR
+8.1%

CCNE free cash flow was $3.64M in fiscal Q3 2026 (ended Sep 30, 2026), down 26.2% from a year earlier and down 89.9% from the prior quarter. For the full fiscal 2025 it was $58.65M, up 6.2% from fiscal 2024. Compound annual growth was +20.5% over 5 years and +8.1% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$282.20M$226.58M$223.16M$224.43M$193.21M$162.77M$142.17M$125.64M$112.94M$98.98M
Interest expense--$103.87M$24.08M$19.82M$32.46M$39.53M$26.95M$17.36M$13.03M
Pre-tax income$82.47M$67.36M$71.83M$78.21M$70.78M$40.09M$48.64M$40.23M$36.25M$27.71M
Income tax$16.33M$12.78M$13.81M$15.03M$13.07M$7.35M$8.56M$6.51M$12.39M$7.17M
Net income$66.13M$54.58M$58.02M$63.19M$57.71M$32.74M$40.08M$33.72M$23.86M$20.54M
EPS, basic$2.50$2.39$2.56$3.26$3.16$1.97$2.63$2.21$1.57$1.42
EPS, diluted$2.49$2.39$2.55$3.26$3.16$1.97$2.63$2.21$1.57$1.42
Diluted shares24.7M20.9M20.9M18.0M16.8M16.0M15.2M15.2M15.1M14.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$527.90M$443.04M$222.05M$106.28M$732.20M$532.69M$192.97M$45.56M$35.34M$29.18M
Goodwill$88.39M$43.75M$43.75M$43.75M$43.75M$43.75M$38.73M$38.73M$38.73M$38.73M
Total assets$8.40B$6.19B$5.75B$5.48B$5.33B$4.73B$3.76B$3.22B$2.77B$2.57B
Short-term debt$164.00M$0$0$132.40M$0--$0$34.42M$103.97M
Long-term debt$84.87M$84.57M$84.27M$83.96M$83.66M$50.00M----
Total debt$248.87M$84.57M$84.27M$216.36M$83.66M$50.00M$298.53M$315.74M$327.98M$102.93M
Total liabilities$7.52B$5.58B$5.18B$4.94B$4.89B$4.31B$3.46B$2.96B$2.52B$2.36B
Shareholders' equity$872.13M$610.70M$571.25M$530.76M$442.85M$416.14M$304.97M$262.83M$243.91M$211.78M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$64.98M$71.51M$47.02M$64.05M$58.92M$28.76M$52.04M$44.85M$30.76M$26.76M
Capital expenditures$6.33M$16.28M$10.85M$12.29M$6.48M$5.64M$9.04M$3.07M$5.21M$10.13M
Free cash flow$58.65M$55.23M$36.18M$51.76M$52.44M$23.11M$43.00M$41.79M$25.55M$16.64M
Investing cash flow$27.64M-$203.28M-$149.46M-$804.70M-$409.76M-$168.68M-$368.74M-$452.68M-$203.65M-$150.88M
Financing cash flow-$7.77M$352.76M$218.20M$114.73M$550.34M$479.64M$464.11M$418.04M$179.05M$126.04M
Dividends paid$18.19M$14.91M$14.69M$12.56M$11.55M$10.98M$10.36M$10.24M$10.09M$9.55M
Stock-based compensation$2.67M$2.23M$1.69M$1.25M$1.41M$1.41M$1.35M$1.54M$928.0K$820.0K
Depreciation and amortization$10.91M$8.27M$7.74M$6.57M$6.24M$6.08M$5.96M$4.81M$5.24M$4.48M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY24.5%1.5%-0.6%16.2%18.7%14.5%13.2%11.2%14.1%7.8%
Net income growth, YoY21.2%-5.9%-8.2%9.5%76.2%-18.3%18.9%41.3%16.2%-7.5%
EPS growth, YoY4.2%-6.3%-21.8%3.2%60.4%-25.1%19.0%40.8%10.6%-7.8%
Net margin23.4%24.1%26.0%28.2%29.9%20.1%28.2%26.8%21.1%20.8%
Free cash flow margin20.8%24.4%16.2%23.1%27.1%14.2%30.2%33.3%22.6%16.8%
Return on equity7.6%8.9%10.2%11.9%13.0%7.9%13.1%12.8%9.8%9.7%
Return on assets0.8%0.9%1.0%1.2%1.1%0.7%1.1%1.0%0.9%0.8%
Debt to equity0.290.140.150.410.190.120.981.201.340.49

Source: XBRL data CNB Financial Corporation files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CCNE peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CCNE$345.12M+35.2%$104.11M30.2%$1.06B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

CCNE FAQ

8 questions
  • What is CCNE revenue?
    CNB Financial Corporation (CCNE) reported $345.12M of revenue for the twelve months ended Sep 30, 2026. That is up 35.2% from the year before. Revenue for fiscal 2025 was $282.20M.
  • Is CCNE profitable?
    Yes. CNB Financial Corporation earned $104.11M in net income for the twelve months ended Sep 30, 2026, a net margin of 30.2%.
  • How much cash and debt does CCNE have?
    CNB Financial Corporation reported $325.35M in cash and cash equivalents and $199.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is CCNE revenue growing?
    CNB Financial Corporation's revenue changed +24.5% in fiscal 2025, to $282.20M. Its compound annual growth rate was +11.6% over 5 years and +11.9% over 10 years.
  • What is CCNE free cash flow?
    CNB Financial Corporation generated $84.43M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $87.35M less capital expenditures.
  • What is CCNE earnings per share?
    Diluted earnings per share were $3.36 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CCNE last report financial results?
    The latest statements here come from CNB Financial Corporation's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this CCNE financial data come from?
    Quantisnow builds these statements from the structured XBRL data CNB Financial Corporation files with the SEC. It is provided for information only and is not investment advice.