Cnb Financial Corp/Pa
CCNE Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$35.35
KIRA · Stoqly’s AI analyst, in plain words
- Cnb Financial Corp/Pa had $282M of revenue in fiscal 2025, up 24.5% on the year before. Over five years, revenue changed +11.6% a year on average.
- Cnb Financial Corp/Pa made $66.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 6.4% a year.
- Cnb Financial Corp/Pa returned $18.2M to shareholders in fiscal 2025, 31% of free cash flow. The diluted share count rose 18.0%.
- It earned 8.9% on shareholders’ money. Running costs took 67.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.0B
P/E
11.3x
Revenue
$282M
Net income
$66.1M
Return on equity
8.9%
Efficiency ratio
67.6%
Cnb Financial Corp/Pa in 30 seconds · fiscal 2025
Are sales growing?
+24.5%
Yes. Sales grew 24.5% last year.
Does it make a profit?
23.4%
Yes. It keeps 23.4% of every sale as profit.
How lean are its costs?
67.6%
Costly. Running costs take 67.6% of revenue.
How much does it earn on its capital?
8.9%
Fair. It earns 8.9% a year on shareholders’ money.
How is the share priced?
11.3x
One share costs 11.3 times its yearly profit per share.
What Cnb Financial Corp/Pa does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 11, 2026
- Legal name
- CNB FINANCIAL CORP/PA
- CIK
- 0000736772
Cnb Financial Corp/Pa · CCNE
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $193M | $224M | $223M | $227M | $282M |
| Revenue growth | 18.7% | 16.2% | −0.6% | 1.5% | 24.5% |
| Net interest income | $160M | $190M | $190M | $187M | $242M |
| Net income | $57.7M | $63.2M | $58.0M | $54.6M | $66.1M |
| Net margin | 29.9% | 28.2% | 26.0% | 24.1% | 23.4% |
| Diluted EPS | $3.16 | $3.26 | $2.55 | $2.39 | $2.49 |
| Cash | |||||
| Cash from operations | $58.9M | $64.1M | $47.0M | $71.5M | $65.0M |
| Capital expenditure | $6.5M | $12.3M | $10.8M | $16.3M | $6.3M |
| Free cash flow | $52.4M | $51.8M | $36.2M | $55.2M | $58.7M |
| FCF margin | 27.1% | 23.1% | 16.2% | 24.4% | 20.8% |
| Dividends paid | $11.6M | $12.6M | $14.7M | $14.9M | $18.2M |
| Share count change | 5.1% | 7.1% | 16.2% | −0.2% | 18.0% |
| Debt and strength | |||||
| Cash and short-term investments | $732M | $106M | $222M | $443M | $528M |
| Debt incl. finance leases | $84.1M | $217M | $84.6M | $99.7M | $267M |
| Loans, net | $3.6B | $4.2B | $4.4B | $4.6B | $6.4B |
| Deposits | $4.7B | $4.6B | $5.0B | $5.4B | $7.0B |
| Shareholders' equity | $443M | $531M | $571M | $611M | $872M |
| Returns and quality | |||||
| Return on equity | 13.4% | 13.0% | 10.5% | 9.2% | 8.9% |
| Return on tangible equity | 13.4% | 12.1% | 10.2% | 8.9% | 8.2% |
| Efficiency ratio | 60.3% | 61.3% | 65.1% | 66.2% | 67.6% |
| Piotroski F-score | 5 | 5 | 3 | 5 | 2 |
Insiders bought, 12 months
$0.2M
3 insiders
Insiders sold, 12 months
$0.9M
8 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Cnb Financial Corp/Pa · CCNE
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $35.35 a share, the company is worth $1.0B: 11.3 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000736772). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.