Stocks › CCNE
CNB Financial CCNE
US equityMarket cap rank #3178
$35.78 −$0.18 (-0.50%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $35.78 0.00%
Open$35.71
Prev close$35.96
Day range$35.63 – $36.21
Volume107.0K
Market cap$1.06B
P/E (TTM)10.6
Dividend yield2.10%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$86.34M+13.0% YoY
Net profit$28.06M+298.3% YoY
Diluted EPS$0.91+313.6% YoY
Free cash flow$35.98M+101.4% YoY
Operating cash flow$36.90M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin33.2%
Return on equity13.7%
Return on assets1.4%
Liabilities / assets89.1%
Cash & investments$325.35M
Total debt$219.62M
Net cash (debt)$105.73M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $86.34M | $86.18M | $81.81M | $277.02M | $84.89M |
| Net Interest Income | $76.31M | $75.58M | $72.91M | $241.22M | $73.74M |
| -Interest Income | $115.00M | $114.89M | $111.62M | $391.53M | $115.01M |
| -Interest Expense | $38.69M | $39.31M | $38.72M | $150.31M | $41.27M |
| Non-Interest Income | $10.04M | $10.60M | $8.91M | $35.80M | $11.15M |
| -Total Premiums Earned | $1.05M | $1.17M | $986,000.00 | $4.77M | $2.06M |
| -Fees and Commissions | $8.10M | $6.76M | $6.23M | $24.65M | $7.91M |
| -Other Non-Interest Income | $883,000.00 | $1.20M | $1.03M | $3.13M | -$401,000.00 |
| -Gain Loss on Sale of Assets | $3,000.00 | $707,000.00 | $242,000.00 | $2.43M | $1.05M |
| Credit Losses Provision | -$3.47M | -$1.78M | -$998,000.00 | -$8.86M | $15.50M |
| Non-Interest Expense | $49.65M | $49.24M | $47.68M | $171.87M | $50.82M |
| Occupancy and Equipment | $4.99M | $5.09M | $5.45M | $18.22M | $5.33M |
| Professional Expense and Contract Services Expense | $1.15M | $1.72M | $772,000.00 | $4.49M | $1.00M |
| Selling and Admin Expenses | $26.62M | $24.46M | $26.58M | $96.61M | $28.67M |
| -Selling & Marketing Expense | $662,000.00 | $728,000.00 | $788,000.00 | $2.82M | $996,000.00 |
| -General & Admin Expense | $25.96M | $23.73M | $25.79M | $93.79M | $27.67M |
| Depreciation & Amortization & Depletion | $1.03M | $1.02M | $1.01M | $1.85M | $1.04M |
| -Depreciation & Amortization | $1.03M | $1.02M | $1.01M | $1.85M | $1.04M |
| Other Non-Interest Expenses | $15.87M | $16.96M | $13.88M | $50.71M | $14.78M |
| Special Income (Charges) | $0.00 | $0.00 | $0.00 | -$13.82M | -$7.78M |
| -Less:Restructuring and Mergern & Acquisition | $0.00 | $0.00 | $0.00 | $13.82M | $7.78M |
| Pretax Profit | $33.22M | $35.16M | $33.14M | $82.47M | $41.79M |
| Tax | $5.16M | $6.86M | $6.10M | $16.33M | $8.14M |
| Net Profit | $28.06M | $28.30M | $27.04M | $66.13M | $33.65M |
| Profit from Continuing Operations | $28.06M | $28.30M | $27.04M | $66.13M | $33.65M |
| Net Income to Parent Company | $28.06M | $28.30M | $27.04M | $66.13M | $33.65M |
| Preferred Stock Dividends | $1.08M | $1.08M | $1.08M | $4.30M | $1.08M |
| Net Income to Common Stockholders | $26.99M | $26.97M | $25.72M | $61.35M | $32.35M |
| Basic EPS | $0.91 | $0.92 | $0.88 | $2.50 | $1.11 |
| Diluted EPS | $0.91 | $0.91 | $0.88 | $2.49 | $1.10 |
| Dividend Per Share | $0.19 | $0.19 | $0.19 | $0.72 | $0.18 |
| -Dividend Income | – | $768,000.00 | $416,000.00 | $820,000.00 | $538,000.00 |
| Other Preferred Stock Dividends | – | $256,000.00 | $237,000.00 | $476,000.00 | $223,000.00 |
| Other Income (Expense) | – | – | – | -$13.82M | -$7.78M |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $8.39B | $8.43B | $8.51B | $8.40B | $8.40B |
| Cash, Cash Equivalents & Federal Funds Sold | $325.35M | $458.44M | $602.46M | $527.90M | $527.90M |
| -Cash and Cash Equivalents | $325.35M | $458.44M | $602.46M | $527.90M | $527.90M |
| Securities Investment | $875.04M | $907.24M | $931.63M | $837.33M | $837.33M |
| -Available for Sale Securities | $11.75M | $211.48M | $228.14M | $254.85M | $254.85M |
| -Held to Maturity Securities | $185.86M | $130.36M | $142.42M | $167.46M | $167.46M |
| -Short Term Investments | $677.44M | $565.40M | $561.07M | $415.02M | $415.02M |
| Net Loan | $6.55B | $6.45B | $6.37B | $6.43B | $6.43B |
| -Gross Loan | $6.62B | $6.52B | $6.43B | $6.50B | $6.50B |
| -Allowance for Loans and Lease Losses | $68.57M | $67.46M | $67.06M | $67.06M | $67.06M |
| Goodwill and Other Intangible Assets | $118.11M | $121.59M | $123.74M | $124.81M | $124.81M |
| -Goodwill | $87.47M | $87.47M | $88.51M | $88.51M | $88.51M |
| -Other Intangible Assets | $30.65M | $34.13M | $35.23M | $36.30M | $36.30M |
| Other Assets | $513.47M | $113.53M | $107.54M | $110.63M | $110.63M |
| Total Liabilities | $7.47B | $7.52B | $7.63B | $7.52B | $7.52B |
| Total Deposits | $7.05B | $7.08B | $7.14B | $7.03B | $7.03B |
| Short-Term Debt and Capital Lease Obligation | $164.00M | $164.00M | $164.00M | $164.00M | $164.00M |
| -Current Debt | $164.00M | $164.00M | $164.00M | $164.00M | $164.00M |
| Long Term Debt and Capital Lease Obligation | $55.62M | $98.31M | $148.67M | $149.24M | $149.24M |
| -Long Term Debt | $55.62M | $55.62M | $105.57M | $105.49M | $105.49M |
| Liabilities of Discontinued Operations | $77.97M | $81.30M | $89.92M | $88.12M | $88.12M |
| Other Liabilities | $127.11M | $98.65M | $82.93M | $95.84M | $95.84M |
| Total Equity | $912.55M | $909.45M | $889.10M | $872.13M | $872.13M |
| Stockholders' Equity | $912.55M | $909.45M | $889.10M | $872.13M | $872.13M |
| Capital Stock | $57.79M | $57.79M | $57.79M | $57.79M | $57.79M |
| -Preferred Stock | $57.79M | $57.79M | $57.79M | $57.79M | $57.79M |
| Additional Paid-In Capital | $425.55M | $424.49M | $423.29M | $422.65M | $422.65M |
| Retained Earnings | $488.22M | $466.87M | $445.27M | $424.94M | $424.94M |
| Less: Treasury Stock | $3.17M | $3.13M | $2.97M | $2.58M | $2.58M |
| Gains/Losses Not Affecting Retained Earnings | -$55.85M | -$36.56M | -$34.27M | -$30.67M | -$30.67M |
| Net PPE | – | $144.65M | $146.30M | $148.51M | $148.51M |
| -Gross PPE | – | $144.65M | $146.30M | $260.05M | $260.05M |
| Bank-Owned Life Insurance | – | $161.04M | $160.49M | $159.50M | $159.50M |
| Federal Home Loan Bank Stock | – | $77.42M | $75.49M | $58.55M | $58.55M |
| -Long Term Capital Lease Obligation | – | $42.69M | $43.10M | $43.75M | $43.75M |
| -Accumulated Depreciation | – | – | – | -$111.54M | -$111.54M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $36.90M | $19.19M | $64.98M | $26.10M | $7.05M |
| Net cash flow from continuing operations | $36.90M | $19.19M | $64.98M | $26.10M | $7.05M |
| Net Income from Continuing Operations | $28.30M | $27.04M | $66.13M | $33.65M | $7.05M |
| Gain/Loss from Continuing Operations | -$770,000.00 | -$582,000.00 | -$1.34M | -$61,000.00 | -$978,000.00 |
| Depreciation & Depletion & Amortization | $3.86M | $3.64M | $10.91M | $3.82M | $3.19M |
| Other Non-Cash Items | -$3.09M | $586,000.00 | -$4.70M | -$2.43M | -$142,000.00 |
| Change in Working Capital | $11.78M | -$8.78M | -$9.99M | $5.42M | -$16.59M |
| -Change in Receivables | -$4.13M | $3.78M | $1.81M | $9.64M | -$7.84M |
| -Change in Payables and Accrued Expense | $15.91M | -$12.56M | -$11.79M | -$4.22M | -$8.75M |
| Net cash flow from investing | -$55.79M | -$52.35M | $27.64M | -$34.44M | $197.20M |
| Net Cash Flow from Continuing Investing Activities | -$55.79M | -$52.35M | $27.64M | -$34.44M | $197.20M |
| Net PPE Purchase and Sale | -$391,000.00 | -$305,000.00 | -$721,000.00 | $3.79M | -$1.88M |
| Net Investment Purchase and Sale | $22.60M | -$98.35M | $197.11M | -$41.58M | $244.68M |
| Net Income from Loans | -$76.68M | $63.25M | -$204.99M | -$555,000.00 | -$78.56M |
| Net Other Investing Changes | -$1.31M | -$16.95M | $8.84M | $3.90M | $5.55M |
| Financing Cash Flow | -$125.14M | $107.72M | -$7.77M | $98.15M | -$191.57M |
| Net Cash Flow from Continuing Financing Activities | -$125.14M | $107.72M | -$7.77M | $98.15M | -$191.57M |
| Increase/Decrease in Deposit | -$68.43M | $114.97M | $288.06M | $122.13M | $70.21M |
| Net Common Stock Issuance | $0.00 | -$542,000.00 | -$333,000.00 | $0.00 | -$1,000.00 |
| Cash Dividends Paid | -$6.70M | -$6.71M | -$22.49M | -$6.38M | -$6.38M |
| Ending Cash Balance | $458.44M | $602.46M | $527.90M | $527.90M | $438.09M |
| Net Change in Cash | -$144.02M | $74.56M | $84.86M | $89.81M | $12.68M |
| Beginning Cash Balance | $602.46M | $527.90M | $443.04M | $438.09M | $425.41M |
| Free Cash Flow | $35.98M | $18.83M | $58.65M | $25.98M | $4.93M |
| Deferred Tax | – | – | $5.07M | – | – |
| Net Intangibles Purchase and Sale | – | – | $0.00 | – | – |
| Net Business Purchase and Sale | – | – | $27.40M | $0.00 | – |
| Net Issuance Payments of Debt | – | – | -$273.00M | -$17.60M | -$255.40M |
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