CNB Financial Corporation (CCNEP) Financials
Newest figures come from the 10-Q for Q3 FY2026, filed Nov 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CCNEP SEC filings page.
CNB Financial Corporation (CCNEP) reported $345.1M in revenue over the twelve months to Sep 30, 2026, up 35.2% 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.
FY2025's balance-sheet expansion lifted earnings, but cash conversion and returns weakened as assets grew faster than profit.
Net income rose21.2% in FY2025 while operating cash flow fell9.1% ; its conversion ratio also dropped from131.0% to98.3% , indicating reported earnings were less fully realized in cash. The earnings-cash gap widened even as the income statement improved.
Assets grew
Free cash flow reached
Financial Health Signals
We do not publish a peer-relative financial health score for CNB Financial Corporation, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
CNB Financial Corporation 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, the one computable operating efficiency signal (asset turnover improving) does not pass.
For every $1 of reported earnings, CNB Financial Corporation 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
Earnings & Revenue
CNB Financial Corporation generated $87.8M in revenue in Q3 2026. This represents an increase of 13.0% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.
CNB Financial Corporation reported $28.1M in net income in Q3 2026. This represents an increase of 40.4% from the same quarter a year earlier. Against the prior quarter it is down 0.9%.
CNB Financial Corporation earned $0.91 per diluted share (EPS) in Q3 2026. This represents an increase of 31.9% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q3 2026.
Cash & Balance Sheet
CNB Financial Corporation generated $3.6M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 26.2% from the same quarter a year earlier. Against the prior quarter it is down 89.9%.
CNB Financial Corporation held $325.3M in cash against $35.0M in long-term debt as of Q3 2026.
CNB Financial Corporation paid $0.19 per share in dividends in Q3 2026. This represents an increase of 5.6% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
CNB Financial Corporation's net profit margin was 32.0% in Q3 2026, showing the share of revenue converted to profit. This is up 6.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.
CNB Financial Corporation's quarterly ROE was 3.1% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.8 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
CNB Financial Corporation invested $1.5M in capex in Q3 2026, funding long-term assets and infrastructure. This represents a decrease of 28.5% from the same quarter a year earlier. Against the prior quarter it is up 64.0%.
Not reported for Q3 2026.
Not reported for Q3 2026.
CCNEP 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.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Revenue | $87.8M+13.0% | $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% |
| Interest Expense | $38.7M-6.8% | $39.3M+17.1% | $38.7M+14.0% | N/A | $41.5M+16.1% | $33.6M-3.9% | $33.9M+3.9% | N/A |
| Income Tax | $5.2M-5.9% | $6.9M+108.2% | $6.1M+113.1% | N/A | $5.5M+64.0% | $3.3M+8.2% | $2.9M+1.1% | N/A |
| Net Income | $28.1M+40.4% | $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% |
| EPS (Basic) | $0.91+31.9% | $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% |
| EPS (Diluted) | $0.91+31.9% | $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% |
| Diluted Shares (Avg) | 30M+8.3% | 29M+40.8% | 29M+40.7% | N/A | 27M+30.5% | 21M+0.3% | 21M+0.2% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
CCNEP Balance Sheet
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.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.4B+1.6% | $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% |
| Cash & Equivalents | $325.3M-25.7% | $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% |
| Goodwill | $87.3M-6.8% | $87.3M | $88.4M | $88.4M+102.0% | $93.7M | N/A | N/A | $43.7M0.0% |
| Total Liabilities | $7.5B+0.8% | $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% |
| Long-Term Debt | $35.0M-58.7% | $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% |
| Total Equity | $912.5M+6.5% | $909.4M+42.7% | $889.1M+42.4% | $872.1M+42.8% | $857.1M+41.4% | $637.3M+8.6% | $624.5M+7.9% | $610.7M+6.9% |
| Retained Earnings | $488.2M+22.8% | $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% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
CCNEP Cash Flow 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.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.2M-26.9% | $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% |
| Depreciation & Amortization | $3.7M+16.1% | $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% |
| Stock-Based Compensation | N/A | N/A | $791K+73.8% | N/A | N/A | N/A | $455K-48.5% | N/A |
| Capital Expenditures | $1.5M-28.5% | $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% |
| Free Cash Flow | $3.6M-26.2% | $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% |
| Investing Cash Flow | -$95.6M-148.5% | -$55.8Mn/m | -$52.3Mn/m | -$34.4Mn/m | $197.2Mn/m | -$117.1Mn/m | -$18.0M-154.4% | -$89.7M-393.4% |
| Financing Cash Flow | -$42.6Mn/m | -$125.1M-5983.2% | $107.7M+29.0% | $98.1M-34.4% | -$191.6M-289.2% | $2.1M-96.9% | $83.5M+146.9% | $149.6Mn/m |
| Dividends Paid | $5.6M+6.1% | $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% |
Not reported in any period shown, so not listed: Share Buybacks.
CCNEP 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.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'25Filing | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'24Filing |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.0%+6.2pp | 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 |
| Return on Equity | 3.1%+0.8pp | 3.1%+0.9pp | 3.0%+1.2pp | 2.4%-0.1pp | 2.3%0.0pp | 2.2%0.0pp | 1.8%-0.3pp | 2.5%0.0pp |
| Return on Assets | 0.3%+0.1pp | 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 |
| Debt-to-Equity | 0.04-0.1x | 0.04-0.1x | 0.100.0x | 0.100.0x | 0.100.0x | 0.130.0x | 0.140.0x | 0.140.0x |
| Liabilities-to-Equity | 8.19-0.5x | 8.27-0.6x | 8.58-0.5x | 8.63-0.5x | 8.65-0.3x | 8.91-0.1x | 9.08+0.1x | 9.14+0.1x |
| 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 | 4.2%-2.2pp | 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 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Where CNB Financial Corporation Ranks
Frequently Asked Questions
CNB Financial Corporation (CCNEP) 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.
CNB Financial Corporation (CCNEP) revenue grew by 24.5% year-over-year, from $226.6M to $282.2M in fiscal year 2025.
Yes, CNB Financial Corporation (CCNEP) reported a net income of $104.1M over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $66.1M, with a net profit margin of 23.4%.
As of fiscal year 2025, CNB Financial Corporation (CCNEP) had $527.9M in cash and equivalents against $84.9M in long-term debt.
CNB Financial Corporation (CCNEP) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, CNB Financial Corporation (CCNEP) paid $0.72 per share in dividends during fiscal year 2025.
CNB Financial Corporation (CCNEP) has a return on equity of 7.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
CNB Financial Corporation (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.
CNB Financial Corporation (CCNEP) generated $65.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
CNB Financial Corporation (CCNEP) had $8.4B in total assets as of fiscal year 2025, including both current and long-term assets.
CNB Financial Corporation (CCNEP) invested $6.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
CNB Financial Corporation (CCNEP) had a debt-to-equity ratio of 0.10 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
CNB Financial Corporation (CCNEP) had a liabilities-to-equity ratio of 8.63 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
CNB Financial Corporation (CCNEP) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
CNB Financial Corporation (CCNEP) 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.
CNB Financial Corporation (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.