CNB FINANCIAL CORP/PA
CNB FINANCIAL CORP/PA
CNB FINANCIAL CORP/PA (CCNE) — SEC Financial Statements & Analysis
CNB FINANCIAL CORP/PA (CCNE) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Paycheck Protection Program Loans | - | - | - | - | - | - | - | - | 0 | 0 | -0 | -0 | |||||
Syndicated Loans | 78 | 71 | -7 | 10 | 69 | 80 | 16 | -25 | 79 | 109 | -23 | -2 | |||||
All Other Loans | 6,356 | 6,423 | 1,742 | 114 | 4,541 | 4,529 | 97 | 73 | 4,353 | 4,360 | 50 | 166 | |||||
Cash And Due From Banks | 79 | 78 | 80 | 89 | 69 | 64 | 75 | 56 | 39 | 55 | 62 | 58 | |||||
Interest Bearing Deposits In Banks | 6 | 8 | 6 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 | |||||
Cash And Cash Equivalents At Carrying Value | 602 | 528 | 438 | 425 | 520 | 443 | 361 | 331 | 301 | 222 | 183 | 125 | |||||
Debt Securities Available For Sale Excluding Accru… | 696 | 584 | 534 | 523 | 516 | 469 | 379 | 360 | 349 | 342 | 335 | 353 | |||||
Debt Securities Held To Maturity Excluding Accrued… | 225 | 242 | 249 | 270 | 282 | 306 | 328 | 355 | 382 | 389 | 391 | 394 | |||||
Trading Securities | 11 | 11 | 11 | 11 | 10 | 10 | 10 | 10 | 10 | 9 | 9 | 9 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 0 | 3 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 2 | |||||
Financing Receivable Excluding Accrued Interest Be… | 6,434 | 6,494 | 6,468 | 4,733 | 4,610 | 4,609 | 4,592 | 4,480 | 4,431 | 4,468 | 4,492 | 4,465 | |||||
Assets | |||||||||||||||||
Assets | 8,515 | 8,396 | 8,254 | 6,318 | 6,296 | 6,192 | 6,015 | 5,887 | 5,801 | 5,753 | 5,732 | 5,664 | |||||
Financing Receivable Allowance For Credit Loss Exc… | -67 | -67 | -68 | -48 | -47 | -47 | -47 | -46 | -46 | -46 | -46 | -46 | |||||
Financing Receivable Excluding Accrued Interest Af… | 6,367 | 6,427 | 6,401 | 4,685 | 4,563 | 4,562 | 4,545 | 4,434 | 4,386 | 4,423 | 4,446 | 4,419 | |||||
Other Investments And Securities At Cost | 75 | 59 | 61 | 42 | 42 | 41 | 41 | 39 | 31 | 30 | 28 | 28 | |||||
Property Plant And Equipment Net | 89 | 90 | 91 | 75 | 76 | 76 | 82 | 79 | 75 | 74 | 73 | 73 | |||||
Operating Lease Right Of Use Asset | - | - | - | - | - | - | 37 | 35 | 36 | 36 | 36 | 36 | |||||
Bank Owned Life Insurance | 160 | 160 | 160 | 118 | 118 | 118 | 117 | 116 | 115 | 114 | 114 | 113 | |||||
Servicing Asset At Amortized Value | 3 | 3 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | |||||
Intangible Assets Net Including Goodwill | 89 | 89 | 94 | 44 | 44 | 44 | 44 | 44 | 44 | 44 | 44 | 44 | |||||
Interest Receivable And Other Assets | 108 | 111 | 120 | 68 | 69 | 69 | 68 | 81 | 71 | 68 | 70 | 65 | |||||
Noninterest Bearing Domestic Deposit Demand | 1,125 | 1,092 | 1,105 | 856 | 842 | 820 | 841 | 763 | 749 | 729 | 783 | 808 | |||||
Interest Bearing Domestic Deposit Demand | 1,015 | 1,015 | 971 | 699 | 719 | 707 | 681 | 693 | 720 | 803 | 781 | 862 | |||||
Interest Bearing Domestic Deposit Savings | 3,847 | 3,823 | 3,687 | 3,163 | 3,161 | 3,122 | 3,041 | 3,141 | 3,036 | 2,960 | 2,884 | 2,708 | |||||
Interest Bearing Domestic Deposit Certificates Of … | 1,153 | 1,098 | 1,138 | 750 | 738 | 723 | 654 | 514 | 533 | 506 | 555 | 555 | |||||
Deposits | 7,140 | 7,027 | 6,900 | 5,467 | 5,460 | 5,371 | 5,217 | 5,111 | 5,038 | 4,999 | 5,003 | 4,933 | |||||
Short Term Borrowings | 164 | 164 | 182 | - | - | 0 | - | - | 0 | 0 | 0 | 0 | |||||
Subordinated Debt | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities And Stockholders Equity | 8,515 | 8,396 | 8,254 | 6,318 | 6,296 | 6,192 | 6,015 | 5,887 | 5,801 | 5,753 | 5,732 | 5,664 | |||||
Long Term Debt Noncurrent | 85 | 85 | 85 | 85 | 85 | 85 | 84 | 84 | 84 | 84 | 84 | 84 | |||||
Operating Lease Liability | 43 | 44 | 44 | 40 | 40 | 40 | 40 | 37 | 38 | 38 | 38 | 38 | |||||
Liabilities | 7,626 | 7,524 | 7,410 | 5,681 | 5,671 | 5,581 | 5,408 | 5,300 | 5,223 | 5,182 | 5,183 | 5,114 | |||||
Preferred Stock Value | 58 | 58 | 58 | 58 | 58 | 58 | 58 | 58 | 58 | 58 | 58 | 58 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital Common Stock | 423 | 423 | 422 | 218 | 220 | 220 | 219 | 219 | 218 | 220 | 220 | 220 | |||||
Retained Earnings Accumulated Deficit | 445 | 425 | 398 | 397 | 388 | 381 | 371 | 362 | 354 | 346 | 337 | 328 | |||||
Treasury Stock Common Value | -3 | -3 | -2 | -2 | -5 | -5 | -5 | -4 | -4 | -7 | -7 | -5 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -34 | -31 | -31 | -33 | -37 | -44 | -37 | -47 | -47 | -46 | -59 | -51 | |||||
Stockholders Equity | 889 | 872 | 844 | 637 | 625 | 611 | 606 | 587 | 579 | 571 | 549 | 550 | |||||
Debt Securities Available For Sale Amortized Cost … | 735 | 619 | 569 | 562 | 559 | 520 | 422 | 416 | 404 | 396 | 405 | 413 | |||||
Held To Maturity Securities Fair Value | 213 | 230 | 235 | 254 | 263 | 283 | 309 | 326 | 352 | 361 | 352 | 359 | |||||
Preferred Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Liquidation Preference Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Authorized | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | - | 0 | - | - | - | 0 | - | - | |||||
Common Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Common Stock Shares Issued | 30 | 30 | 30 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 21 | |||||
Shares Outstanding | - | - | - | - | - | - | - | - | 21 | - | 21 | 21 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.87% | 10.48% | - | - | - | - | - | - | - | - | - | - |
| 2025 | -1.98% | 3.53% | 8.60% | 21.68% | 15.30% | 14.42% | 5.71% | 9.38% | 10.48% | 8.68% | 13.76% | 13.72% |
| 2024 | 3.89% | 0.86% | 27.39% | 11.37% | 7.48% | 15.45% | -3.97% | -14.33% | -13.12% | -5.20% | -6.73% | -7.41% |
| 2023 | - | - | - | -9.10% | -8.43% | -10.23% | 12.76% | 25.01% | 13.89% | 0.49% | -6.01% | -2.61% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | - | - | - | - | - | 3.06 | 2.01 | 1.71 | 1.56 | 1.69 | 1.89 | 2.26 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 2.63 | 2.51 | 1.82 | 2.65 | 2.61 | 2.61 | 2.51 | 2.55 | 2.54 | 2.77 | 2.87 | 2.95 | |||||
| Free Cash Flow Per Share TTM | 2.31 | 2.39 | 1.90 | 3.30 | 2.64 | 2.65 | 2.50 | 1.97 | 2.15 | 1.73 | 2.02 | 2.06 | |||||
| Dividend Per Share TTM | 0.68 | 0.74 | 0.61 | 0.72 | 0.72 | 0.72 | 0.71 | 0.70 | 0.70 | 0.70 | 0.71 | 0.67 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 63.25% | 61.69% | 60.14% | 58.84% | 57.79% | 57.60% | 52.06% | 53.26% | 55.22% | 58.16% | 69.68% | 76.21% | |||||
| Operating Profit Margin TTM | 23.99% | 21.02% | 16.45% | 20.15% | 20.09% | 20.70% | 20.52% | 20.97% | 21.92% | 24.46% | 26.92% | 30.43% | |||||
| Net Profit Margin TTM | 18.34% | 15.76% | 13.79% | 16.57% | 16.53% | 16.77% | 16.33% | 17.00% | 17.40% | 19.76% | 21.64% | 24.05% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 27.90% | 20.55% | 12.30% | 6.95% | 8.19% | 10.82% | 15.91% | 22.03% | 30.26% | 37.41% | 40.13% | 36.72% | |||||
| Net Income Growth (1Y) | 41.91% | 13.29% | -5.18% | 4.26% | 2.78% | -5.94% | -12.54% | -13.74% | -17.66% | -8.18% | -6.50% | -1.00% | |||||
| EPS Growth (1Y) | 1.01% | -3.98% | -27.29% | 4.01% | 2.57% | -5.64% | -12.46% | -13.38% | -16.79% | -20.99% | -22.66% | -20.57% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.90 | 10.28 | 12.98 | 8.37 | 8.23 | 9.10 | 9.12 | 7.55 | 7.50 | 7.56 | 5.81 | 5.46 | |||||
| P/B | 0.95 | 0.73 | 0.76 | 0.73 | 0.72 | 0.81 | 0.79 | 0.69 | 0.69 | 0.77 | 0.63 | 0.61 | |||||
| P/S TTM | 2.00 | 1.62 | 1.79 | 1.39 | 1.36 | 1.53 | 1.49 | 1.28 | 1.31 | 1.49 | 1.26 | 1.31 | |||||
| Market Cap | 843.77M | 635.32M | 644.98M | 464.92M | 448.52M | 496.83M | 477.86M | 402.15M | 398.00M | 438.69M | 347.99M | 336.85M | |||||
| Enterprise Value | 490.26M | 356.30M | 473.29M | 124.23M | 13.01M | 138.36M | 201.44M | 155.43M | 180.89M | 300.91M | 249.59M | 295.80M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 67.60M | 58.65M | 51.52M | 68.81M | 55.08M | 55.23M | 52.21M | 41.10M | 44.77M | 36.18M | 42.11M | 43.18M | |||||
| Net Debt | -353.51M | -279.02M | -171.69M | -340.69M | -435.51M | -358.47M | -276.41M | -246.73M | -217.11M | -137.78M | -98.39M | -41.05M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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