CNB Financial/$CCNE
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Capital at risk
About CNB Financial
CNB Financial Corp is a Pennsylvania-chartered bank. The bank is a full-service bank engaging in a full range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; real estate, commercial, industrial, residential and consumer loans; and a variety of other specialized financial services. Its Private Client Solutions division offers a full range of client services, including private banking and wealth and asset management. The banking segment derives its revenue through the operations as a full-service bank services, including trust and wealth management services, for individual, business, governmental, and institutional customers.
- Ticker
- $CCNE
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 934
- Headquarters
- Clearfield, United States
- Website
- cnbbank.bank
CNB Financial Metrics
BasicAdvanced
$1B
10.84
$3.15
0.61
$0.75
2.23%
Price and volume
Market cap
$1B
Beta
0.61
52-week high
$36.17
52-week low
$22.80
Average daily volume
156K
Dividend rate
$0.75
Financial strength
Dividend payout ratio (TTM)
27.25%
Profitability
Net profit margin (TTM)
29.16%
Operating margin (TTM)
42.19%
Effective tax rate (TTM)
19.41%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
1.30%
Return on equity (TTM)
12.42%
Valuation
Price to earnings (TTM)
10.841
Price to revenue (TTM)
2.989
Price to book
1.18
Price to tangible book (TTM)
1.37
Price to free cash flow (TTM)
12.087
Free cash flow yield (TTM)
8.27%
Free cash flow per share (TTM)
2.825
Dividend yield (TTM)
2.20%
Forward dividend yield
2.23%
Growth
Revenue change (TTM)
46.51%
Earnings per share change (TTM)
32.01%
3-year revenue growth (CAGR)
14.18%
3-year earnings per share growth (CAGR)
2.84%
10-year earnings per share growth (CAGR)
8.53%
3-year dividend per share growth (CAGR)
1.87%
10-year dividend per share growth (CAGR)
1.15%
Bulls say / Bears say
The post-ESSA earnings base is strengthening: Q2 revenue rose to $87.6 million from $61.2 million a year earlier, while net interest income increased 46.3% and fully tax-equivalent net interest margin reached 3.89%. Earnings per share rose to $0.91 from $0.61, and the efficiency ratio improved to 56.14% from 64.08%. (StockTitan)
ESSA appears to be integrating ahead of plan: management said the earnback period could be less than 18 months, versus an original estimate of three years, and that the systems conversion had been operating smoothly. Faster-than-expected integration benefits would support the bank’s future cost base and returns. (Exa)
Organic growth remains positive and is shifting towards commercial and industrial lending: loans excluding syndicated balances grew by $64.3 million in Q2, while originated C&I loans grew at an 18.2% annualised rate. Excluding the exited municipal relationship, deposits rose $71.6 million and non-interest-bearing deposits increased $22.7 million. (StockTitan)
Asset quality is moving the wrong way: non-performing assets rose to 0.69% of total assets in Q2 2026 from 0.58% in Q1 and 0.48% a year earlier. Coverage of non-accrual loans also fell to 123% from 145.33% in the prior quarter. (StockTitan)
Deposits including held-for-sale balances fell at a 3.8% annualised rate in Q2, even though management said underlying deposits grew after excluding a deliberate $140 million exit. That strategy helped the margin, but a smaller funding base could constrain future loan growth and make deposit competition more important. (Exa)
Future acquisition-led growth may be less dependable than the ESSA deal: management said it does not want to buy a bank merely to approach the $10 billion asset threshold because of the potential impact of the Durbin Amendment. That caution could limit the pace at which CNB adds scale. (Exa)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.
Upcoming events
No upcoming events
CNB Financial News
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Funds containing CNB Financial
AllEURUSDGBP
Fund name | Fund size | $CCNE weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.04% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.01% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
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