Symbols / CCNEP Stock $25.00 -0.71% CNB Financial Corporation

Financial Services • Banks - Regional • United States • NMS
CCNEP (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Michael D. Peduzzi CPA
Exch · Country NMS · United States
Market Cap —
Enterprise Value 459.49M
Income 76.73M
Sales 300.29M
FCF (ttm) —
Book/sh 28.29
Cash/sh 20.50
Employees 917
Insider 10d —
IPO Aug 21, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout —
P/E 7.76
Forward P/E —
PEG —
P/S —
P/B 0.88
P/C —
EV/EBITDA —
EV/Sales 1.53
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.22
EPS next Y —
EPS Growth 76.90%
Revenue Growth 48.60%
EPS Gr Q/Q 135.50%
Rev Gr Q/Q —
Earnings (next) —
Earnings (prior) —
ROA 1.10%
ROE 10.79%
ROIC —
Gross Margin 0.00%
Oper. Margin 42.45%
Profit Margin 27.20%
Shs Outstand —
Shs Float 28.50M
Insider Own —
Instit Own —
Short Float —
Short Ratio 1.09
Short Interest 918.00
52W High 25.44
vs 52W High -1.73%
52W Low 23.57
vs 52W Low 6.07%
Beta 0.66
Impl. Vol. —
Rel Volume 1.20
Avg Volume 1.36K
Volume 1.64K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $25.18
Price $25.00
Change -0.71%
About

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as other specialized financial services. It also provides private banking services; and wealth and asset management services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, as well as a range of wealth management services. In addition, the company invests in debt and equity securities; sells nonproprietary annuities and other insurance products; and offers small balance unsecured loans, and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$25.00
Latest analyst target
3. DCF / Fair value
$48.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$25.00
Low
—
High
—
Mean
—
News
RSS: Latest CCNEP news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
277.02
+24.78%
222.01
+1.77%
218.14
-0.68%
219.62
Operating Revenue
277.02
+24.78%
222.01
+1.77%
218.14
-0.68%
219.62
Selling General And Administration
96.61
+19.56%
80.80
+3.49%
78.07
+1.21%
77.14
Selling And Marketing Expense
2.82
+10.81%
2.54
-18.77%
3.13
+8.52%
2.89
General And Administrative Expense
93.79
+19.85%
78.25
+4.42%
74.94
+0.92%
74.26
Salaries And Wages
89.72
+20.38%
74.54
+4.89%
71.06
-0.56%
71.46
Other Gand A
—
—
—
—
Reconciled Depreciation
10.91
+31.89%
8.27
+6.85%
7.74
+17.74%
6.57
Total Unusual Items
-13.82
0.00
0.00
0.00
Total Unusual Items Excluding Goodwill
-13.82
0.00
0.00
0.00
Special Income Charges
-13.82
0.00
0.00
0.00
Restructuring And Mergern Acquisition
13.82
0.00
0.00
0.00
Net Income
66.13
+21.17%
54.58
-5.94%
58.02
-8.18%
63.19
Pretax Income
82.47
+22.43%
67.36
-6.22%
71.83
-8.16%
78.21
Net Interest Income
241.22
+28.93%
187.09
-1.20%
189.36
-0.08%
189.50
Interest Expense
150.31
+8.92%
138.00
+32.86%
103.87
+331.36%
24.08
Interest Income
391.52
+20.43%
325.10
+10.87%
293.23
+37.29%
213.58
Gain On Sale Of Security
2.43
+193.48%
0.83
+347.16%
-0.34
+32.73%
-0.50
Tax Provision
16.33
+27.77%
12.78
-7.42%
13.81
-8.10%
15.03
Tax Rate For Calcs
0.00
+4.36%
0.00
-1.25%
0.00
+0.10%
0.00
Tax Effect Of Unusual Items
-2.74
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
66.13
+21.17%
54.58
-5.94%
58.02
-8.18%
63.19
Net Income From Continuing Operation Net Minority Interest
66.13
+21.17%
54.58
-5.94%
58.02
-8.18%
63.19
Net Income From Continuing And Discontinued Operation
66.13
+21.17%
54.58
-5.94%
58.02
-8.18%
63.19
Net Income Continuous Operations
66.13
+21.17%
54.58
-5.94%
58.02
-8.18%
63.19
Normalized Income
77.22
+41.49%
54.58
-5.94%
58.02
-8.18%
63.19
Net Income Common Stockholders
61.35
+22.99%
49.88
-6.64%
53.44
-8.90%
58.66
Otherunder Preferred Stock Dividend
0.48
+22.68%
0.39
+37.10%
0.28
+23.58%
0.23
Diluted NI Availto Com Stockholders
61.35
+22.99%
49.88
-6.64%
53.44
-8.90%
58.66
Amortization
1.85
+2431.51%
0.07
-13.10%
0.08
—
Amortization Of Intangibles Income Statement
1.85
+2431.51%
0.07
-13.10%
0.08
—
Depreciation Amortization Depletion Income Statement
1.85
+2431.51%
0.07
-13.10%
0.08
—
Depreciation And Amortization In Income Statement
1.85
+2431.51%
0.07
-13.10%
0.08
—
Insurance And Claims
4.06
+9.28%
3.72
-4.15%
3.88
+38.73%
2.80
Occupancy And Equipment
18.22
+23.65%
14.74
+1.57%
14.51
+9.11%
13.30
Other Non Interest Expense
50.71
+11.21%
45.60
+5.47%
43.24
+13.16%
38.21
Preferred Stock Dividends
4.30
+0.00%
4.30
+0.00%
4.30
+0.00%
4.30
Professional Expense And Contract Services Expense
4.49
+6.40%
4.22
-4.46%
4.41
+5.78%
4.17
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
8,396.43
+35.60%
6,192.01
+7.63%
5,752.96
+5.07%
5,475.18
Cash And Cash Equivalents
527.90
+19.15%
443.04
+99.52%
222.05
+108.92%
106.28
Cash Financial
78.20
+22.62%
63.77
+16.39%
54.79
-6.95%
58.88
Other Short Term Investments
415.02
-11.42%
468.55
+37.02%
341.95
-7.93%
371.41
Receivables
—
—
—
62.13
Accounts Receivable
—
—
—
62.13
Net PPE
148.51
+15.37%
128.73
+17.67%
109.40
+8.49%
100.84
Gross PPE
260.05
+26.96%
204.82
+13.74%
180.08
+8.61%
165.81
Accumulated Depreciation
-111.54
-46.57%
-76.10
-7.66%
-70.68
-8.80%
-64.97
Land And Improvements
12.13
+34.17%
9.04
+0.00%
9.04
+5.96%
8.53
Buildings And Improvements
—
—
87.59
+16.99%
74.87
Machinery Furniture Equipment
71.82
+47.08%
48.83
+6.85%
45.70
+7.50%
42.51
Construction In Progress
0.15
-92.42%
1.97
-4.01%
2.05
-73.00%
7.58
Other Properties
58.29
+10.58%
52.72
+47.67%
35.70
+10.50%
32.31
Leases
117.65
+27.51%
92.27
+5.34%
87.59
+16.99%
74.87
Goodwill And Other Intangible Assets
124.81
+175.34%
45.33
-0.82%
45.71
-0.46%
45.92
Goodwill
88.51
+101.74%
43.87
+0.00%
43.87
+0.29%
43.75
Other Intangible Assets
36.30
+2391.49%
1.46
-20.56%
1.83
-15.41%
2.17
Investments And Advances
837.33
+6.66%
785.08
+6.06%
740.22
-5.80%
785.79
Total Liabilities Net Minority Interest
7,524.31
+34.81%
5,581.31
+7.71%
5,181.71
+4.80%
4,944.42
Payables And Accrued Expenses
—
—
—
51.27
Payables
—
—
—
51.27
Accounts Payable
—
—
—
51.27
Current Debt And Capital Lease Obligation
164.00
0.00
—
132.40
Current Debt
164.00
0.00
—
132.40
Other Current Borrowings
164.00
0.00
—
132.40
Long Term Debt And Capital Lease Obligation
149.24
+2.57%
145.50
+2.08%
142.54
+3.06%
138.31
Long Term Debt
105.49
+0.29%
105.19
+0.29%
104.89
+0.29%
104.58
Long Term Capital Lease Obligation
43.75
+8.51%
40.31
+7.08%
37.65
+11.63%
33.73
Stockholders Equity
872.13
+42.81%
610.70
+6.91%
571.25
+7.63%
530.76
Common Stock Equity
814.34
+47.28%
552.91
+7.68%
513.46
+8.56%
472.98
Capital Stock
57.78
+0.00%
57.78
+0.00%
57.78
+0.00%
57.78
Preferred Stock
57.78
+0.00%
57.78
+0.00%
57.78
+0.00%
57.78
Share Issued
29.59
+39.37%
21.24
+0.00%
21.24
+0.54%
21.12
Ordinary Shares Number
29.47
+40.43%
20.99
+0.44%
20.90
-0.53%
21.01
Treasury Shares Number
0.12
-50.88%
0.25
-27.00%
0.34
+197.02%
0.11
Additional Paid In Capital
422.65
+92.22%
219.88
-0.28%
220.50
-0.48%
221.55
Retained Earnings
424.94
+11.44%
381.30
+10.22%
345.94
+12.72%
306.91
Gains Losses Not Affecting Retained Earnings
-30.66
+29.62%
-43.57
+5.44%
-46.08
+12.27%
-52.52
Treasury Stock
2.58
-44.96%
4.69
-31.94%
6.89
+132.22%
2.97
Other Equity Adjustments
-30.66
+29.62%
-43.57
+5.44%
-46.08
+12.27%
-52.52
Total Equity Gross Minority Interest
872.13
+42.81%
610.70
+6.91%
571.25
+7.63%
530.76
Total Capitalization
977.62
+36.56%
715.88
+5.88%
676.13
+6.42%
635.35
Invested Capital
1,083.84
+64.69%
658.10
+6.43%
618.35
+7.06%
577.56
Total Debt
313.24
+115.28%
145.50
+2.08%
142.54
+3.06%
138.31
Net Debt
—
—
—
130.69
Capital Lease Obligations
43.75
+8.51%
40.31
+7.08%
37.65
+11.63%
33.73
Net Tangible Assets
747.31
+32.18%
565.36
+7.58%
525.54
+8.39%
484.85
Tangible Book Value
689.53
+35.85%
507.58
+8.51%
467.75
+9.53%
427.06
Available For Sale Securities
254.85
+2337.38%
10.46
+12.42%
9.30
-3.27%
9.62
Cash Cash Equivalents And Federal Funds Sold
527.90
+19.15%
443.04
+99.52%
222.05
+108.92%
106.28
Held To Maturity Securities
167.46
-45.29%
306.08
-21.31%
388.97
-3.90%
404.76
Preferred Shares Number
2.42
+0.00%
2.42
+0.00%
2.42
+0.00%
2.42
Preferred Stock Equity
57.78
+0.00%
57.78
+0.00%
57.78
+0.00%
57.78
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
64.98
-9.13%
71.51
+52.08%
47.02
-26.59%
64.05
Cash Flow From Continuing Operating Activities
64.98
-9.13%
71.51
+52.08%
47.02
-26.59%
64.05
Net Income From Continuing Operations
66.13
+21.17%
54.58
-5.94%
58.02
-8.18%
63.19
Depreciation Amortization Depletion
10.91
+31.89%
8.27
+6.85%
7.74
+17.74%
6.57
Depreciation And Amortization
10.91
+31.89%
8.27
+6.85%
7.74
+17.74%
6.57
Other Non Cash Items
-4.70
-29.56%
-3.63
+20.39%
-4.56
+46.17%
-8.46
Stock Based Compensation
2.67
+19.96%
2.23
+27.65%
1.74
+30.86%
1.33
Deferred Tax
5.07
+528.40%
-1.18
-206.48%
1.11
+161.25%
-1.81
Deferred Income Tax
5.07
+528.40%
-1.18
-206.48%
1.11
+161.25%
-1.81
Operating Gains Losses
-1.34
+13.53%
-1.54
-1717.65%
-0.09
+91.12%
-0.96
Gain Loss On Investment Securities
-2.43
-193.48%
-0.83
-347.16%
0.34
-32.73%
0.50
Gain Loss On Sale Of PPE
-0.16
-401.89%
0.05
+96.30%
0.03
+115.88%
-0.17
Change In Working Capital
-9.99
-227.11%
7.86
+139.12%
-20.09
-4061.93%
0.51
Change In Receivables
1.81
+364.27%
0.39
+106.60%
-5.89
+69.08%
-19.07
Changes In Account Receivables
1.81
+364.27%
0.39
+106.60%
-5.89
+69.08%
-19.07
Change In Payables And Accrued Expense
-11.79
-257.91%
7.47
+152.62%
-14.19
-172.52%
19.57
Change In Payable
-11.79
-257.91%
7.47
+152.62%
-14.19
-172.52%
19.57
Change In Account Payable
-11.79
-257.91%
7.47
+152.62%
-14.19
-172.52%
19.57
Investing Cash Flow
27.64
+113.60%
-203.28
-36.01%
-149.46
+81.43%
-804.70
Cash Flow From Continuing Investing Activities
27.64
+113.60%
-203.28
-36.01%
-149.46
+81.43%
-804.70
Net PPE Purchase And Sale
-0.72
+90.45%
-7.55
+30.04%
-10.79
+8.47%
-11.79
Purchase Of PPE
-6.33
+61.12%
-16.28
-50.12%
-10.85
+11.74%
-12.29
Sale Of PPE
5.61
-35.74%
8.73
+16692.31%
0.05
-89.52%
0.50
Capital Expenditure
-6.33
+61.12%
-16.28
-48.41%
-10.97
+10.72%
-12.29
Net Investment Purchase And Sale
197.11
+579.54%
-41.10
-177.04%
53.36
+136.42%
-146.49
Purchase Of Investment
-336.13
-75.75%
-191.25
-874.67%
-19.62
+92.53%
-262.68
Sale Of Investment
533.24
+255.15%
150.15
+105.74%
72.98
-37.19%
116.19
Net Business Purchase And Sale
27.40
0.00
0.00
0.00
Net Intangibles Purchase And Sale
0.00
0.00
+100.00%
-0.12
0.00
Purchase Of Intangibles
0.00
0.00
+100.00%
-0.12
0.00
Net Other Investing Changes
8.84
+182.72%
-10.69
-1618.61%
0.70
+104.45%
-15.81
Financing Cash Flow
-7.77
-102.20%
352.76
+61.67%
218.20
+90.17%
114.73
Cash Flow From Continuing Financing Activities
-7.77
-102.20%
352.76
+61.67%
218.20
+90.17%
114.73
Net Issuance Payments Of Debt
-273.00
0.00
+100.00%
-132.40
-200.00%
132.40
Issuance Of Debt
—
—
0.00
0.00
Repayment Of Debt
—
—
0.00
0.00
Long Term Debt Issuance
—
—
0.00
0.00
Long Term Debt Payments
—
—
0.00
0.00
Net Long Term Debt Issuance
—
—
0.00
0.00
Net Short Term Debt Issuance
-273.00
0.00
+100.00%
-132.40
-200.00%
132.40
Net Common Stock Issuance
-0.33
+48.21%
-0.64
+90.44%
-6.72
-107.28%
92.38
Common Stock Payments
-0.33
+48.21%
-0.64
+90.44%
-6.72
-302.39%
-1.67
Common Stock Dividend Paid
-18.19
-21.98%
-14.91
-1.48%
-14.69
-17.02%
-12.56
Cash Dividends Paid
-22.49
-17.06%
-19.21
-1.15%
-19.00
-12.68%
-16.86
Repurchase Of Capital Stock
-0.33
+48.21%
-0.64
+90.44%
-6.72
-302.39%
-1.67
Changes In Cash
84.86
-61.60%
220.99
+90.90%
115.76
+118.49%
-625.91
Beginning Cash Position
443.04
+99.52%
222.05
+108.92%
106.28
-85.48%
732.20
End Cash Position
527.90
+19.15%
443.04
+99.52%
222.05
+108.92%
106.28
Free Cash Flow
58.65
+6.20%
55.23
+53.19%
36.05
-30.35%
51.76
Interest Paid Supplemental Data
150.14
+11.71%
134.40
+31.56%
102.16
+281.12%
26.80
Income Tax Paid Supplemental Data
10.65
-17.50%
12.91
+7.51%
12.01
-31.09%
17.42
Amortization Of Securities
-12.93
-181.94%
-4.58
-45.19%
-3.16
+4.76%
-3.32
Common Stock Issuance
—
0.00
0.00
-100.00%
94.05
Issuance Of Capital Stock
—
0.00
0.00
-100.00%
94.05
Net Preferred Stock Issuance
—
—
—
0.00
Preferred Stock Dividend Paid
-4.30
+0.00%
-4.30
+0.00%
-4.30
+0.00%
-4.30
Preferred Stock Issuance
—
—
—
0.00
Sale Of Business
27.40
0.00
0.00
0.00
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