What is Cnb Financial Corp's earnings per share (EPS)?

Cnb Financial Corp (CCNEP) 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 Financials

CCNEP

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Cnb Financial Corp (CCNEP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).

Financial Health Signals

Financial Profile 64/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Cnb Financial Corp's revenue surged 20.5% year-over-year to $392.3M, reflecting rapid business expansion. This strong growth earns a score of 68/100.

Leverage

100

Cnb Financial Corp carries a low D/E ratio of 0.10, meaning only $0.10 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Cnb Financial Corp has a free cash flow margin of 14.9%, earning a moderate score of 62/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Cnb Financial Corp generates a 7.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100. This is down from 8.9% the prior year.

Piotroski F-Score Weak

3/9

Cnb Financial Corp passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.98x

For every $1 of reported earnings, Cnb Financial Corp 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

$392.3M

YoY+20.5%

5Y CAGR+18.6%

10Y CAGR+16.2%

Cnb Financial Corp generated $392.3M in revenue in fiscal year 2025. This represents an increase of 20.5% from the prior year.

EBITDA

N/A

Net Income

$66.1M

YoY+21.2%

5Y CAGR+15.1%

10Y CAGR+11.5%

Cnb Financial Corp reported $66.1M in net income in fiscal year 2025. This represents an increase of 21.2% from the prior year.

EPS (Diluted)

$2.49

YoY+4.2%

5Y CAGR+4.8%

10Y CAGR+4.9%

Cnb Financial Corp earned $2.49 per diluted share (EPS) in fiscal year 2025. This represents an increase of 4.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$58.7M

YoY+6.2%

5Y CAGR+20.5%

10Y CAGR+8.1%

Cnb Financial Corp generated $58.7M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 6.2% from the prior year.

Cash & Debt

$527.9M

YoY+19.2%

5Y CAGR-0.2%

10Y CAGR+34.5%

Cnb Financial Corp held $527.9M in cash against $84.9M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.72

YoY+1.4%

5Y CAGR+1.1%

10Y CAGR+0.9%

Cnb Financial Corp paid $0.72 per share in dividends in fiscal year 2025. This represents an increase of 1.4% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.9%

YoY+0.1pp

5Y CAGR-2.7pp

10Y CAGR-8.6pp

Cnb Financial Corp's net profit margin was 16.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.1 percentage points from the prior year.

Return on Equity

7.6%

YoY-1.4pp

5Y CAGR-0.3pp

10Y CAGR-3.4pp

Cnb Financial Corp's ROE was 7.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$6.3M

YoY-61.1%

5Y CAGR+2.3%

10Y CAGR-0.6%

Cnb Financial Corp invested $6.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 61.1% from the prior year.

CCNEP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$392.3M+20.5%	$325.5M+10.8%	$293.7M+37.4%	$213.7M+19.0%	$179.6M+7.4%	$167.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$150.3M+8.9%	$138.0M+32.9%	$103.9M+331.4%	$24.1M+21.5%	$19.8M-38.9%	$32.5M
Income Tax	$16.3M+27.8%	$12.8M-7.4%	$13.8M-8.1%	$15.0M+15.0%	$13.1M+77.9%	$7.3M
Net Income	$66.1M+21.2%	$54.6M-5.9%	$58.0M-8.2%	$63.2M+9.5%	$57.7M+76.2%	$32.7M
EPS (Diluted)	$2.49+4.2%	$2.39-6.3%	$2.55-21.8%	$3.26+3.2%	$3.16+60.4%	$1.97

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$115.5M+6.4%	$108.6M+26.7%	$85.8M+4.1%	$82.4M-1.6%	$83.7M+0.5%	$83.2M+3.2%	$80.7M+3.5%	$77.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$74.3M+78.9%	$41.5M+23.7%	$33.6M-1.1%	$33.9M-30.8%	$49.0M+37.2%	$35.7M+2.3%	$34.9M+6.9%	$32.7M
Income Tax	N/A	$2.0M-38.2%	$3.3M+15.1%	$2.9M	N/A	$3.3M+9.7%	$3.0M+7.5%	$2.8M
Net Income	$20.7M+3.6%	$20.0M+43.2%	$14.0M+21.6%	$11.5M-23.8%	$15.1M+8.0%	$14.0M+7.7%	$13.0M+2.8%	$12.6M
EPS (Diluted)	$0.66-4.3%	$0.69+13.1%	$0.61+22.0%	$0.50-24.2%	$0.66+8.2%	$0.61+8.9%	$0.56+1.8%	$0.55

CCNEP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.4B+35.6%	$6.2B+7.6%	$5.8B+5.1%	$5.5B+2.7%	$5.3B+12.7%	$4.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$527.9M+19.2%	$443.0M+99.5%	$222.0M+108.9%	$106.3M-85.5%	$732.2M+37.5%	$532.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$88.4M+102.0%	$43.7M0.0%	$43.7M0.0%	$43.7M0.0%	$43.7M0.0%	$43.7M
Total Liabilities	$7.5B+34.8%	$5.6B+7.7%	$5.2B+4.8%	$4.9B+1.2%	$4.9B+13.3%	$4.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
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
Total Equity	$872.1M+42.8%	$610.7M+6.9%	$571.2M+7.6%	$530.8M+19.9%	$442.8M+6.4%	$416.1M
Retained Earnings	$424.9M+11.4%	$381.3M+10.2%	$345.9M+12.7%	$306.9M+17.8%	$260.6M+19.1%	$218.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$8.4B+1.7%	$8.3B+30.6%	$6.3B+0.4%	$6.3B+1.7%	$6.2B+2.9%	$6.0B+2.2%	$5.9B+1.5%	$5.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$527.9M+20.5%	$438.1M+3.0%	$425.4M-18.2%	$520.2M+17.4%	$443.0M+22.8%	$360.9M+9.0%	$331.1M+9.8%	$301.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$88.4M-5.7%	$93.7M	N/A	N/A	$43.7M	N/A	N/A	N/A
Total Liabilities	$7.5B+1.5%	$7.4B+30.4%	$5.7B+0.2%	$5.7B+1.6%	$5.6B+3.2%	$5.4B+2.0%	$5.3B+1.5%	$5.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$84.9M+0.1%	$84.8M+0.1%	$84.7M+0.1%	$84.6M+0.1%	$84.6M+0.1%	$84.5M+0.1%	$84.4M+0.1%	$84.3M
Total Equity	$872.1M+3.3%	$844.2M+32.5%	$637.3M+2.0%	$624.5M+2.3%	$610.7M+0.7%	$606.4M+3.4%	$586.7M+1.4%	$578.6M
Retained Earnings	$424.9M+6.9%	$397.7M+0.2%	$397.0M+2.3%	$387.9M+1.7%	$381.3M+2.8%	$371.1M+2.5%	$362.0M+2.3%	$353.8M

CCNEP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$65.0M-9.1%	$71.5M+52.1%	$47.0M-26.6%	$64.1M+8.7%	$58.9M+104.9%	$28.8M
Capital Expenditures	$6.3M-61.1%	$16.3M+50.1%	$10.8M-11.7%	$12.3M+89.5%	$6.5M+14.9%	$5.6M
Free Cash Flow	$58.7M+6.2%	$55.2M+52.7%	$36.2M-30.1%	$51.8M-1.3%	$52.4M+126.9%	$23.1M
Investing Cash Flow	$27.6M+113.6%	-$203.3M-36.0%	-$149.5M+81.4%	-$804.7M-96.4%	-$409.8M-142.9%	-$168.7M
Financing Cash Flow	-$7.8M-102.2%	$352.8M+61.7%	$218.2M+90.2%	$114.7M-79.2%	$550.3M+14.7%	$479.6M
Dividends Paid	$18.2M+22.0%	$14.9M+1.5%	$14.7M+17.0%	$12.6M+8.7%	$11.6M+5.2%	$11.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$26.1M+270.3%	$7.0M-65.2%	$20.2M+74.4%	$11.6M-47.8%	$22.2M-15.7%	$26.4M+152.6%	$10.4M-16.2%	$12.5M
Capital Expenditures	$129K-93.9%	$2.1M-10.6%	$2.4M+37.5%	$1.7M-49.3%	$3.4M-18.2%	$4.1M-34.2%	$6.3M+158.7%	$2.4M
Free Cash Flow	$26.0M+426.4%	$4.9M-72.4%	$17.9M+80.8%	$9.9M-47.6%	$18.8M-15.2%	$22.2M+437.4%	$4.1M-58.7%	$10.0M
Investing Cash Flow	-$34.4M-117.5%	$197.2M+268.4%	-$117.1M-550.3%	-$18.0M+79.9%	-$89.7M+8.3%	-$97.9M-100.3%	-$48.8M-247.5%	$33.1M
Financing Cash Flow	$98.1M+151.2%	-$191.6M-9106.5%	$2.1M-97.5%	$83.5M-44.2%	$149.6M+47.7%	$101.2M+48.7%	$68.1M+101.3%	$33.8M
Dividends Paid	$5.3M0.0%	$5.3M+39.6%	$3.8M+0.7%	$3.8M0.0%	$3.8M0.0%	$3.8M+2.8%	$3.7M-0.1%	$3.7M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

CCNEP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.9%+0.1pp	16.8%-3.0pp	19.8%-9.8pp	29.6%-2.6pp	32.1%+12.5pp	19.6%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.10-0.0	0.140.0	0.15-0.0	0.16-0.0	0.19+0.1	0.12
FCF Margin	14.9%-2.0pp	17.0%+4.6pp	12.3%-11.9pp	24.2%-5.0pp	29.2%+15.4pp	13.8%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	17.9%-0.5pp	18.4%+2.1pp	16.3%+2.3pp	13.9%-4.1pp	18.0%+1.2pp	16.8%+0.7pp	16.1%-0.1pp	16.2%
Return on Equity	2.4%0.0pp	2.4%+0.2pp	2.2%+0.3pp	1.8%-0.6pp	2.5%+0.2pp	2.3%+0.1pp	2.2%+0.0pp	2.2%
Return on Assets	0.3%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%-0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.100.0	0.10-0.0	0.130.0	0.140.0	0.140.0	0.140.0	0.140.0	0.15
FCF Margin	22.5%+17.9pp	4.5%-16.3pp	20.8%+8.8pp	12.0%-10.5pp	22.5%-4.2pp	26.7%+21.6pp	5.1%-7.7pp	12.9%

Frequently Asked Questions

What is Cnb Financial Corp's annual revenue?

Cnb Financial Corp (CCNEP) reported $392.3M in total revenue for fiscal year 2025. This represents a 20.5% 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's revenue growing?

Cnb Financial Corp (CCNEP) revenue grew by 20.5% year-over-year, from $325.5M to $392.3M in fiscal year 2025.

Is Cnb Financial Corp profitable?

Yes, Cnb Financial Corp (CCNEP) reported a net income of $66.1M in fiscal year 2025, with a net profit margin of 16.9%.

How much debt does Cnb Financial Corp have?

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

What is Cnb Financial Corp's net profit margin?

Cnb Financial Corp (CCNEP) had a net profit margin of 16.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Cnb Financial Corp pay dividends?

Yes, Cnb Financial Corp (CCNEP) paid $0.72 per share in dividends during fiscal year 2025.

What is Cnb Financial Corp's return on equity (ROE)?

Cnb Financial Corp (CCNEP) 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's free cash flow?

Cnb Financial Corp (CCNEP) 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's operating cash flow?

Cnb Financial Corp (CCNEP) generated $65.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Cnb Financial Corp's total assets?

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

What are Cnb Financial Corp's capital expenditures?

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

What is Cnb Financial Corp's debt-to-equity ratio?

Cnb Financial Corp (CCNEP) 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's return on assets (ROA)?

Cnb Financial Corp (CCNEP) 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's Piotroski F-Score?

Cnb Financial Corp (CCNEP) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cnb Financial Corp's earnings high quality?

Cnb Financial Corp (CCNEP) 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?

Cnb Financial Corp (CCNEP) scores 64 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.