What is CNB Financial Corp/PA's earnings per share (EPS)?

CNB Financial Corp/PA (CCNE) reported diluted earnings per share of $2.49 for fiscal year 2025. This represents a 4.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

CNB Financial Corp/PA (CCNE) Financials

CCNE

Trailing 12 months to June 30, 2026

Revenue $335.0M +42.0% YoY

Net Income $96.0M +76.4% YoY

EPS (Diluted) $3.14 +31.9% YoY

Free Cash Flow $85.7M +24.6% YoY

Market Cap $998.8M as of Oct 13, 2026

Price / Sales 3.0x on $335.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.4x on $96.0M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $909.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CCNE SEC filings page.

CNB Financial Corp/PA (CCNE) reported $335.0M in revenue over the twelve months to Jun 30, 2026, up 42.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CCNE FY2025 2026-10-04

CNB's 2025 scale expanded sharply, but earnings productivity and cash generation did not keep pace.

Assets expanded 35.6% in 2025 while ROA slipped to 0.8%, indicating the larger balance sheet produced less profit per asset dollar. Net income rose 21.2%, yet operating cash flow fell 9.1% from FY2024, making the year's earnings less closely matched by cash.

Long-term debt was nearly flat at $84.9M in 2025, while debt-to-equity declined to 0.1x; this is not a conventional debt-funded expansion. Equity expanded 42.8% from FY2024 while ROE fell to 7.6%, so the larger capital base diluted shareholder returns even as profit recovered.

Cash conversion remained close: free cash flow was 90.3% of operating cash flow in 2025, and capex consumed just 2.2% of revenue. That combination points to a limited direct reinvestment burden in the reported cash flows, but the lower cash flow alongside higher profit shows conversion weakened relative to FY2024.

Financial Health Signals

Financial Health Score 47/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of CNB Financial Corp/PA's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

CNB Financial Corp/PA earned a return on assets of 0.8% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.9% the prior year. Earnings ranks banks on that return over three years, and CNB Financial Corp/PA scores 49/100 among other banks.

Growth

CNB Financial Corp/PA reported revenue of $282.2M in fiscal year 2025, against $226.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and CNB Financial Corp/PA scores 66/100 among other banks.

Capital

CNB Financial Corp/PA funded 10.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $872.1M of equity against $8.4B of assets. Capital ranks banks on that cushion, and CNB Financial Corp/PA scores 34/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. CNB Financial Corp/PA scores 39/100 on it among other banks.

Credit Quality

Not available for CNB Financial Corp/PA, and counted as zero in the overall score.

Stability

CNB Financial Corp/PA reported net income of $66.1M in fiscal year 2025, against $54.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and CNB Financial Corp/PA scores 96/100 among other banks.

Piotroski F-Score Partial

3/7

CNB Financial Corp/PA passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.98x

For every $1 of reported earnings, CNB Financial Corp/PA generates $0.98 in operating cash flow ($65.0M OCF vs $66.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$87.6M

YoY+43.2%

QoQ+5.2%

5Y CAGR+13.7%

10Y CAGR+13.7%

CNB Financial Corp/PA generated $87.6M in revenue in Q2 2026. This represents an increase of 43.2% from the same quarter a year earlier. Against the prior quarter it is up 5.2%.

Net Income

$28.3M

YoY+102.8%

QoQ+4.7%

5Y CAGR+15.1%

10Y CAGR+21.4%

CNB Financial Corp/PA reported $28.3M in net income in Q2 2026. This represents an increase of 102.8% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.

EPS (Diluted)

$0.91

YoY+49.2%

QoQ+3.4%

5Y CAGR+3.7%

10Y CAGR+12.5%

CNB Financial Corp/PA earned $0.91 per diluted share (EPS) in Q2 2026. This represents an increase of 49.2% from the same quarter a year earlier. Against the prior quarter it is up 3.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$36.0M

YoY+101.4%

QoQ+91.1%

5Y CAGR+32.5%

10Y CAGR+27.5%

CNB Financial Corp/PA generated $36.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 101.4% from the same quarter a year earlier. Against the prior quarter it is up 91.1%.

Cash & Debt

$458.4M

YoY+7.8%

QoQ-23.9%

5Y CAGR-9.1%

10Y CAGR+34.4%

CNB Financial Corp/PA held $458.4M in cash against $35.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.19

YoY+5.6%

QoQ0.0%

5Y CAGR+2.2%

CNB Financial Corp/PA paid $0.19 per share in dividends in Q2 2026. This represents an increase of 5.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

30M

YoY+0.5%

QoQ0.0%

5Y CAGR+11.9%

10Y CAGR+7.4%

CNB Financial Corp/PA had 30M shares outstanding in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

32.3%

YoY+9.5pp

QoQ-0.2pp

5Y change+2.0pp

10Y change+15.5pp

CNB Financial Corp/PA's net profit margin was 32.3% in Q2 2026, showing the share of revenue converted to profit. This is up 9.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Return on Equity

3.1%

YoY+0.9pp

QoQ+0.1pp

5Y change-0.1pp

10Y change+1.2pp

CNB Financial Corp/PA's ROE was 3.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$922K

YoY-61.0%

QoQ+154.7%

5Y CAGR-2.1%

10Y CAGR-7.3%

CNB Financial Corp/PA invested $922K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 61.0% from the same quarter a year earlier. Against the prior quarter it is up 154.7%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CCNE Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CCNE quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$335.0M	$282.2M+24.5%	$226.6M+1.5%	$223.2M-0.6%	$224.4M+16.2%	$193.2M+18.7%	$162.8M+14.5%	$142.2M+13.2%	$125.6M+11.2%	$112.9M+14.1%	$99.0M+7.8%	$91.8M+0.8%	$91.1M+24.8%	$73.0M+10.8%	$65.9M+11.9%	$58.9M
SG&A Expenses	$210.1M	$190.9M+27.3%	$150.0M+3.2%	$145.3M+5.6%	$137.6M+18.2%	$116.4M+218.8%	$36.5M+3.7%	$35.2M+12.4%	$31.3M+19.5%	$26.2M+11.6%	$23.5M+8.4%	$21.7M+10.9%	$19.5M+26.3%	$15.5M+18.0%	$13.1M+6.1%	$12.3M
Interest Expense	$193.8M	$150.3M+8.9%	$138.0M+32.9%	$103.9M+331.4%	$24.1M+21.5%	$19.8M-38.9%	$32.5M-17.9%	$39.5M+46.7%	$26.9M+55.2%	$17.4M+33.3%	$13.0M+4.5%	$12.5M+1.5%	$12.3M+0.6%	$12.2M-18.2%	$14.9M-15.1%	$17.6M
Income Tax	N/A	$16.3M+27.8%	$12.8M-7.4%	$13.8M-8.1%	$15.0M+15.0%	$13.1M+77.9%	$7.3M-14.2%	$8.6M+31.5%	$6.5M-47.5%	$12.4M+72.8%	$7.2M-13.5%	$8.3M-11.0%	$9.3M+46.9%	$6.3M-1.1%	$6.4M+16.0%	$5.5M
Net Income	$96.0M	$66.1M+21.2%	$54.6M-5.9%	$58.0M-8.2%	$63.2M+9.5%	$57.7M+76.2%	$32.7M-18.3%	$40.1M+18.9%	$33.7M+41.3%	$23.9M+16.2%	$20.5M-7.5%	$22.2M-3.8%	$23.1M+38.3%	$16.7M-2.7%	$17.1M+13.5%	$15.1M
EPS (Basic)	N/A	$2.50+4.6%	$2.39-6.6%	$2.56-21.5%	$3.26+3.2%	$3.16+60.4%	$1.97-25.1%	$2.63+19.0%	$2.21+40.8%	$1.57+10.6%	$1.42-7.8%	$1.54-3.8%	$1.60+24.0%	$1.29-6.5%	$1.38+12.2%	$1.23
EPS (Diluted)	$3.14	$2.49+4.2%	$2.39-6.3%	$2.55-21.8%	$3.26+3.2%	$3.16+60.4%	$1.97-25.1%	$2.63+19.0%	$2.21+40.8%	$1.57+10.6%	$1.42-7.8%	$1.54-3.8%	$1.60+24.0%	$1.29-6.5%	$1.38+12.2%	$1.23
Diluted Shares (Avg)	N/A	25M+18.0%	21M-0.2%	21M+16.2%	18M+7.1%	17M+5.1%	16M+5.5%	15M-0.3%	15M+0.5%	15M+5.3%	14M+0.3%	14M-0.2%	14M+11.5%	13M+3.9%	12M+1.0%	12M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Revenue	$87.6M+43.2%	$83.3M+46.3%	$86.4M+45.5%	$77.7M+32.9%	$61.2M+12.1%	$56.9M+5.1%	$59.4M+4.5%	$58.5M+6.1%
SG&A Expenses	$50.7M+28.0%	$49.2M+19.9%	$60.1M+58.9%	$50.2M+29.3%	$39.6M+10.1%	$41.0M+9.7%	$37.8M-1.7%	$38.8M+5.1%
Interest Expense	$39.3M+17.1%	$38.7M+14.0%	$74.3M+51.5%	$41.5M+16.1%	$33.6M-3.9%	$33.9M+3.9%	$49.0M+55.6%	$35.7M+26.4%
Income Tax	$6.9M+108.2%	$6.1M+113.1%	N/A	$2.0M-39.0%	$3.3M+8.2%	$2.9M+1.1%	N/A	$3.3M-1.8%
Net Income	$28.3M+102.8%	$27.0M+135.5%	$20.7M+37.4%	$20.0M+43.3%	$14.0M+7.7%	$11.5M-8.9%	$15.1M+7.8%	$14.0M+1.7%
EPS (Basic)	$0.92+50.8%	$0.88+76.0%	$0.670.0%	$0.69+13.1%	$0.61+7.0%	$0.50-9.1%	$0.67+8.1%	$0.61+1.7%
EPS (Diluted)	$0.91+49.2%	$0.88+76.0%	$0.660.0%	$0.69+13.1%	$0.61+8.9%	$0.50-9.1%	$0.66+8.2%	$0.61+1.7%
Diluted Shares (Avg)	29M+40.8%	29M+40.7%	N/A	27M+30.5%	21M+0.3%	21M+0.2%	N/A	21M+0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CCNE Balance Sheet

CCNE quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$8.4B+35.6%	$6.2B+7.6%	$5.8B+5.1%	$5.5B+2.7%	$5.3B+12.7%	$4.7B+25.7%	$3.8B+16.8%	$3.2B+16.4%	$2.8B+7.6%	$2.6B+12.6%	$2.3B+4.4%	$2.2B+2.7%	$2.1B+20.2%	$1.8B+10.7%	$1.6B
Cash & Equivalents	$527.9M+19.2%	$443.0M+99.5%	$222.0M+108.9%	$106.3M-85.5%	$732.2M+37.5%	$532.7M+176.0%	$193.0M+323.5%	$45.6M+28.9%	$35.3M+21.1%	$29.2M+7.1%	$27.3M-2.4%	$27.9M-5.8%	$29.6M-7.1%	$31.9M-19.7%	$39.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$88.4M+102.0%	$43.7M0.0%	$43.7M0.0%	$43.7M0.0%	$43.7M0.0%	$43.7M+13.0%	$38.7M0.0%	$38.7M0.0%	$38.7M0.0%	$38.7M+42.4%	$27.2M0.0%	$27.2M0.0%	$27.2M+148.4%	$10.9M+1.2%	$10.8M
Total Liabilities	$7.5B+34.8%	$5.6B+7.7%	$5.2B+4.8%	$4.9B+1.2%	$4.9B+13.3%	$4.3B+24.7%	$3.5B+16.9%	$3.0B+17.2%	$2.5B+6.9%	$2.4B+13.4%	$2.1B+4.1%	$2.0B+1.7%	$2.0B+20.8%	$1.6B+10.7%	$1.5B
Long-Term Debt	$84.9M+0.4%	$84.6M+0.4%	$84.3M+0.4%	$84.0M+0.4%	$83.7M+67.3%	$50.0M-83.3%	$298.5M-5.5%	$315.7M-3.7%	$328.0M+218.7%	$102.9M-57.3%	$241.1M+82.2%	$132.3M+21.9%	$108.6M-8.3%	$118.4M	N/A
Total Equity	$872.1M+42.8%	$610.7M+6.9%	$571.2M+7.6%	$530.8M+19.9%	$442.8M+6.4%	$416.1M+36.5%	$305.0M+16.0%	$262.8M+7.8%	$243.9M+15.2%	$211.8M+4.9%	$201.9M+7.1%	$188.5M+14.3%	$164.9M+13.4%	$145.4M+10.2%	$131.9M
Retained Earnings	$424.9M+11.4%	$381.3M+10.2%	$345.9M+12.7%	$306.9M+17.8%	$260.6M+19.1%	$218.7M+8.5%	$201.5M+17.3%	$171.8M+15.8%	$148.3M+10.4%	$134.3M+8.9%	$123.3M+11.5%	$110.6M+14.0%	$97.1M+9.1%	$89.0M+11.1%	$80.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Total Assets	$8.4B+33.5%	$8.5B+35.3%	$8.4B+35.6%	$8.3B+37.2%	$6.3B+7.3%	$6.3B+8.5%	$6.2B+7.6%	$6.0B+4.9%
Cash & Equivalents	$458.4M+7.8%	$602.5M+15.8%	$527.9M+19.2%	$438.1M+21.4%	$425.4M+28.5%	$520.2M+72.5%	$443.0M+99.5%	$360.9M+97.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$87.3M	$88.4M	$88.4M+102.0%	$93.7M	N/A	N/A	$43.7M0.0%	N/A
Total Liabilities	$7.5B+32.4%	$7.6B+34.5%	$7.5B+34.8%	$7.4B+37.0%	$5.7B+7.2%	$5.7B+8.6%	$5.6B+7.7%	$5.4B+4.4%
Long-Term Debt	$35.0M-58.7%	$85.0M+0.4%	$84.9M+0.4%	$84.8M+0.4%	$84.7M+0.4%	$84.6M+0.4%	$84.6M+0.4%	$84.5M+0.4%
Total Equity	$909.4M+42.7%	$889.1M+42.4%	$872.1M+42.8%	$844.2M+39.2%	$637.3M+8.6%	$624.5M+7.9%	$610.7M+6.9%	$606.4M+10.4%
Retained Earnings	$466.9M+17.6%	$445.3M+14.8%	$424.9M+11.4%	$397.7M+7.2%	$397.0M+9.7%	$387.9M+9.7%	$381.3M+10.2%	$371.1M+10.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CCNE Cash Flow Statement

CCNE quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$89.2M	$65.0M-9.1%	$71.5M+52.1%	$47.0M-26.6%	$64.1M+8.7%	$58.9M+104.9%	$28.8M-44.7%	$52.0M+16.0%	$44.9M+45.8%	$30.8M+14.9%	$26.8M-20.4%	$33.6M+16.3%	$28.9M-14.0%	$33.6M+21.9%	$27.6M-9.3%	$30.4M
Depreciation & Amortization	N/A	$10.9M+31.9%	$8.3M+6.8%	$7.7M+17.7%	$6.6M+5.3%	$6.2M+2.6%	$6.1M+2.0%	$6.0M+23.9%	$4.8M-8.2%	$5.2M+16.9%	$4.5M+11.0%	$4.0M-2.1%	$4.1M+56.3%	$2.6M+18.7%	$2.2M+7.2%	$2.1M
Stock-Based Compensation	N/A	$2.7M+20.0%	$2.2M+31.8%	$1.7M+35.3%	$1.2M-11.6%	$1.4M+0.1%	$1.4M+4.8%	$1.3M-12.9%	$1.5M+66.5%	$928K+13.2%	$820K+32.0%	$621K+13.3%	$548K+40.5%	$390K+40.8%	$277K+30.0%	$213K
Capital Expenditures	$3.5M	$6.3M-61.1%	$16.3M+50.1%	$10.8M-11.7%	$12.3M+89.5%	$6.5M+14.9%	$5.6M-37.6%	$9.0M+194.8%	$3.1M-41.2%	$5.2M-48.5%	$10.1M+50.0%	$6.8M+5.1%	$6.4M+20.4%	$5.3M+164.7%	$2.0M+18.2%	$1.7M
Free Cash Flow	$85.7M	$58.7M+6.2%	$55.2M+52.7%	$36.2M-30.1%	$51.8M-1.3%	$52.4M+126.9%	$23.1M-46.2%	$43.0M+2.9%	$41.8M+63.6%	$25.5M+53.5%	$16.6M-38.1%	$26.9M+19.5%	$22.5M-20.4%	$28.3M+10.7%	$25.5M-10.9%	$28.7M
Investing Cash Flow	$54.6M	$27.6M+113.6%	-$203.3M-36.0%	-$149.5M+81.4%	-$804.7M-96.4%	-$409.8M-142.9%	-$168.7M+54.3%	-$368.7M+18.5%	-$452.7M-122.3%	-$203.7M-35.0%	-$150.9M-49.8%	-$100.7M-81.4%	-$55.5M-52.3%	-$36.5M+80.0%	-$182.6M-1.2%	-$180.4M
Financing Cash Flow	-$110.8M	-$7.8M-102.2%	$352.8M+61.7%	$218.2M+90.2%	$114.7M-79.2%	$550.3M+14.7%	$479.6M+3.3%	$464.1M+11.0%	$418.0M+133.5%	$179.1M+42.1%	$126.0M+89.8%	$66.4M+166.7%	$24.9M+4085.0%	$595K-99.6%	$147.2M-3.3%	$152.3M
Dividends Paid	$21.9M	$18.2M+22.0%	$14.9M+1.5%	$14.7M+17.0%	$12.6M+8.7%	$11.6M+5.2%	$11.0M+6.0%	$10.4M+1.2%	$10.2M+1.4%	$10.1M+5.7%	$9.5M+0.3%	$9.5M-0.1%	$9.5M+11.1%	$8.6M+4.4%	$8.2M+1.1%	$8.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Operating Cash Flow	$36.9M+82.4%	$19.2M+65.4%	$26.1M+17.4%	$7.0M-73.3%	$20.2M+93.8%	$11.6M-6.9%	$22.2M+25.5%	$26.4M+104.3%
Depreciation & Amortization	$3.9M+109.8%	$3.6M+77.0%	$3.8M+58.5%	$3.2M+64.4%	$1.8M-9.0%	$2.1M+8.5%	$2.4M+24.4%	$1.9M-1.1%
Stock-Based Compensation	N/A	$791K+73.8%	N/A	N/A	N/A	$455K-48.5%	N/A	N/A
Capital Expenditures	$922K-61.0%	$362K-79.0%	$129K-96.2%	$2.1M-49.0%	$2.4M-62.5%	$1.7M-29.4%	$3.4M+79.3%	$4.1M+130.9%
Free Cash Flow	$36.0M+101.4%	$18.8M+90.6%	$26.0M+37.8%	$4.9M-77.8%	$17.9M+332.0%	$9.9M-1.4%	$18.8M+19.1%	$22.2M+100.0%
Investing Cash Flow	-$55.8M+52.4%	-$52.3M-190.7%	-$34.4M+61.6%	$197.2M+301.5%	-$117.1M-139.7%	-$18.0M-154.4%	-$89.7M-393.4%	-$97.9M-425.8%
Financing Cash Flow	-$125.1M-5983.2%	$107.7M+29.0%	$98.1M-34.4%	-$191.6M-289.2%	$2.1M-96.9%	$83.5M+146.9%	$149.6M+1794.3%	$101.2M+60.4%
Dividends Paid	$5.6M+48.1%	$5.6M+49.1%	$5.3M+40.4%	$5.3M+40.4%	$3.8M+3.5%	$3.8M+2.6%	$3.8M+3.3%	$3.8M+3.0%

Not reported in any period shown, so not listed: Share Buybacks.

CCNE Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CCNE quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	23.4%-0.7pp	24.1%-1.9pp	26.0%-2.2pp	28.2%-1.7pp	29.9%+9.8pp	20.1%-8.1pp	28.2%+1.3pp	26.8%+5.7pp	21.1%+0.4pp	20.8%-3.4pp	24.2%-1.2pp	25.3%+2.5pp	22.9%-3.1pp	26.0%+0.4pp	25.7%
Return on Equity	7.6%-1.4pp	8.9%-1.2pp	10.2%-1.8pp	11.9%-1.1pp	13.0%+5.2pp	7.9%-5.3pp	13.1%+0.3pp	12.8%+3.0pp	9.8%+0.1pp	9.7%-1.3pp	11.0%-1.2pp	12.2%+2.1pp	10.1%-1.7pp	11.8%+0.3pp	11.5%
Return on Assets	0.8%-0.1pp	0.9%-0.1pp	1.0%-0.1pp	1.1%+0.1pp	1.1%+0.4pp	0.7%-0.4pp	1.1%0.0pp	1.1%+0.2pp	0.9%+0.1pp	0.8%-0.2pp	1.0%-0.1pp	1.1%+0.3pp	0.8%-0.2pp	1.0%0.0pp	0.9%
Debt-to-Equity	0.100.0x	0.140.0x	0.150.0x	0.160.0x	0.19+0.1x	0.12-0.9x	0.98-0.2x	1.20-0.1x	1.34+0.9x	0.49-0.7x	1.19+0.5x	0.700.0x	0.66-0.2x	0.81-10.3x	11.15
Asset Turnover	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.04
FCF Margin	20.8%-3.6pp	24.4%+8.2pp	16.2%-6.9pp	23.1%-4.1pp	27.1%+12.9pp	14.2%-16.0pp	30.2%-3.0pp	33.3%+10.6pp	22.6%+5.8pp	16.8%-12.5pp	29.3%+4.6pp	24.7%-14.1pp	38.8%0.0pp	38.8%-10.0pp	48.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-K
Net Margin	32.3%+9.5pp	32.5%+12.3pp	24.0%-1.4pp	25.7%+1.9pp	22.8%-0.9pp	20.2%-3.1pp	25.4%+0.8pp	23.9%-1.0pp
Return on Equity	3.1%+0.9pp	3.0%+1.2pp	2.4%-0.1pp	2.4%+0.1pp	2.2%0.0pp	1.8%-0.3pp	2.5%0.0pp	2.3%-0.2pp
Return on Assets	0.3%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp
Debt-to-Equity	0.04-0.1x	0.100.0x	0.100.0x	0.100.0x	0.130.0x	0.140.0x	0.140.0x	0.140.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	41.0%+11.9pp	22.6%+5.3pp	30.1%-1.7pp	6.3%-31.7pp	29.2%+21.6pp	17.3%-1.2pp	31.8%+3.9pp	38.0%+17.8pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
CNB Financial Corp/PA CCNE	FY2025	$282.2M	$66.1M	23.4%	$998.8M	47/100
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$961.7M	35/100
Business First Bancshares, Inc. BFST	FY2025	$324.7M	$87.9M	27.1%	$992.4M	48/100
NB Bancorp, Inc. NBBK	FY2025	$213.7M	$50.3M	23.5%	$969.3M	55/100
Capital City Bank Group Inc CCBG	FY2025	$254.0M	$61.6M	24.2%	$823.1M	52/100
Great Southern Bancorp Inc GSBC	FY2025	$229.3M	$71.0M	30.9%	$836.3M	65/100

Where CNB Financial Corp/PA Ranks

Frequently Asked Questions

What is CNB Financial Corp/PA's annual revenue?

CNB Financial Corp/PA (CCNE) reported $282.2M in total revenue for fiscal year 2025. This represents a 24.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is CNB Financial Corp/PA's revenue growing?

CNB Financial Corp/PA (CCNE) revenue grew by 24.5% year-over-year, from $226.6M to $282.2M in fiscal year 2025.

Is CNB Financial Corp/PA profitable?

Yes, CNB Financial Corp/PA (CCNE) reported a net income of $66.1M in fiscal year 2025, with a net profit margin of 23.4%.

How much debt does CNB Financial Corp/PA have?

As of fiscal year 2025, CNB Financial Corp/PA (CCNE) had $527.9M in cash and equivalents against $84.9M in long-term debt.

What is CNB Financial Corp/PA's net profit margin?

CNB Financial Corp/PA (CCNE) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does CNB Financial Corp/PA pay dividends?

Yes, CNB Financial Corp/PA (CCNE) paid $0.72 per share in dividends during fiscal year 2025.

What is CNB Financial Corp/PA's return on equity (ROE)?

CNB Financial Corp/PA (CCNE) has a return on equity of 7.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is CNB Financial Corp/PA's free cash flow?

CNB Financial Corp/PA (CCNE) generated $58.7M in free cash flow during fiscal year 2025. This represents a 6.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is CNB Financial Corp/PA's operating cash flow?

CNB Financial Corp/PA (CCNE) generated $65.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are CNB Financial Corp/PA's total assets?

CNB Financial Corp/PA (CCNE) had $8.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are CNB Financial Corp/PA's capital expenditures?

CNB Financial Corp/PA (CCNE) invested $6.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does CNB Financial Corp/PA have outstanding?

CNB Financial Corp/PA (CCNE) had 30M shares outstanding as of fiscal year 2025.

What is CNB Financial Corp/PA's debt-to-equity ratio?

CNB Financial Corp/PA (CCNE) had a debt-to-equity ratio of 0.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CNB Financial Corp/PA's return on assets (ROA)?

CNB Financial Corp/PA (CCNE) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is CNB Financial Corp/PA's P/E ratio?

CNB Financial Corp/PA (CCNE) trades at 10.4x earnings, its market capitalization divided by net income of $96.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $998.8M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CNB Financial Corp/PA's price-to-sales ratio?

CNB Financial Corp/PA (CCNE) trades at 3.0x sales, its market capitalization divided by revenue of $335.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $998.8M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CNB Financial Corp/PA's Piotroski F-Score?

CNB Financial Corp/PA (CCNE) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are CNB Financial Corp/PA's earnings high quality?

CNB Financial Corp/PA (CCNE) has an earnings quality ratio of 0.98x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is CNB Financial Corp/PA?

CNB Financial Corp/PA (CCNE) scores 47 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.