CNB Financial Corp (CCNE) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, CNB Financial reported revenue of $282.2M, up 24.5% from $226.6M the year before. Net income was $66.1M (a 23.4% net margin), or $2.49 per diluted share. Net interest income was $242.0M, and the efficiency ratio (noninterest expense / revenue) was 67.6%. Operating activities generated $65.0M of cash, leaving $58.7M of free cash flow. At fiscal year end, CNB Financial held $8.40B in total assets against $7.52B in total liabilities, including $527.9M of cash and equivalents.
Open the full interactive CNB Financial financials → Quarterly statements, key ratios, valuation history and price charts.
CNB Financial Key Stats
| Share Price | $33.78 |
|---|---|
| Market Cap | $996.3M |
| P/E Ratio | 13.6 |
| Revenue YoY Growth | +24.6% |
| 52-Week Range | $22.47 – $35.52 |
| Shares Outstanding | 29.4 million (basic, 2026 Q2) |
CNB Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $134.7M | $159.8M | $189.7M | $189.8M | $187.5M | $242.0M |
| Provision for Credit Losses | $15.4M | $6.0M | $8.6M | $6.0M | $9.2M | $8.9M |
| Noninterest Income | $28.1M | $33.4M | $34.8M | $33.3M | $39.1M | $40.2M |
| Noninterest Expense | $107.3M | $116.4M | $137.6M | $145.3M | $150.0M | $190.9M |
| Revenue | $162.8M | $193.2M | $224.4M | $223.2M | $226.6M | $282.2M |
| Pre-Tax Income | $40.1M | $70.8M | $78.2M | $71.8M | $67.4M | $82.5M |
| Income Tax | $7.3M | $13.1M | $15.0M | $13.8M | $12.8M | $16.3M |
| Net Income | $32.7M | $57.7M | $63.2M | $58.0M | $54.6M | $66.1M |
| Diluted EPS | $1.97 | $3.16 | $3.26 | $2.55 | $2.39 | $2.49 |
CNB Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $77.7M | $86.4M | $83.3M | $87.6M |
| Net Income | $7.0M | $33.6M | $27.0M | $28.3M |
| Diluted EPS | $0.22 | $1.36 | $0.88 | $0.91 |
CNB Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $532.7M | $732.2M | $106.3M | $222.0M | $443.0M | $527.9M |
| Loans (Net) | — | $3.60B | $4.23B | $4.42B | $4.56B | $6.43B |
| Total Assets | $4.73B | $5.33B | $5.48B | $5.75B | $6.19B | $8.40B |
| Deposits | $4.18B | $4.72B | $4.62B | $5.00B | $5.37B | $7.03B |
| Total Long-Term Debt | $70.6M | $83.7M | $84.0M | $84.3M | $84.6M | $84.9M |
| Total Liabilities | $4.31B | $4.89B | $4.94B | $5.18B | $5.58B | $7.52B |
| Shareholders' Equity | $416.1M | $442.8M | $530.8M | $571.2M | $610.7M | $872.1M |
CNB Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $28.8M | $58.9M | $64.1M | $47.0M | $71.5M | $65.0M |
| Cash From Investing | -$168.7M | -$409.8M | -$804.7M | -$149.5M | -$203.3M | $27.6M |
| Cash From Financing | $479.6M | $550.3M | $114.7M | $218.2M | $352.8M | -$7.8M |
| Free Cash Flow | $23.1M | $52.4M | $51.8M | $36.2M | $55.2M | $58.7M |
Figures from CNB Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full CNB Financial financials page for every line item.
CNB Financial Company Profile
| Ticker | CCNE |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Clearfield, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000736772 |
Frequently Asked Questions
What was CNB Financial's revenue in fiscal 2025?
CNB Financial (CCNE) reported revenue of $282.2M for fiscal 2025.
What is CNB Financial's annual revenue history?
CNB Financial's annual revenue by fiscal year: 2020: $162.8M; 2021: $193.2M; 2022: $224.4M; 2023: $223.2M; 2024: $226.6M; 2025: $282.2M.
What was CNB Financial's net income in fiscal 2025?
CNB Financial reported net income of $66.1M for fiscal 2025.
What was CNB Financial's earnings per share (EPS) in fiscal 2025?
CNB Financial's diluted EPS was $2.49 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did CNB Financial generate in fiscal 2025?
CNB Financial generated $58.7M of free cash flow in fiscal 2025.
What was CNB Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), CNB Financial reported revenue of $87.6M.
How much debt does CNB Financial have?
CNB Financial reported $84.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of CNB Financial are outstanding?
CNB Financial reported a weighted average of 29.4 million basic shares outstanding in 2026 Q2.
What is CNB Financial's market cap?
Based on its latest closing price, CNB Financial (CCNE) has a market capitalization of about $996.3M.
When does CNB Financial's fiscal year end?
CNB Financial's fiscal year end, as registered with the SEC, is December 31.
Where is CNB Financial headquartered?
CNB Financial lists its business address in Clearfield, Pennsylvania in its SEC filings.