NASDAQ · Financial Statements

CNB Financial Corporation (CCNE) Financial Statements

$35.35 NASDAQ: CCNE Market Cap $1.05B

CNB Financial Corporation most recently reported annual revenue of $405.0M, net profit of $66.0M. Revenue grew at an average annual rate of 16.1% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

CNB Financial Corporation: Revenue rose from $110.0M in 2016 to $405.0M in 2025, a change of +268.2% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 25.2% to 20.4%, a shift of -4.8 percentage points; the most recent year shows net profit of $66.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$110.0M$128.0M$150.0M$179.0M$192.0M$209.0M$244.0M$322.0M$360.0M$405.0M
Operating Expenses$82.0M$91.0M$110.0M$130.0M$152.0M$138.0M$165.0M$250.0M$293.0M$322.0M
Operating Profit$28.0M$36.0M$40.0M$49.0M$40.0M$71.0M$78.0M$72.0M$67.0M$82.0M
Operating Margin25.2%28.4%26.9%27.2%20.9%33.8%32.1%22.3%18.7%20.4%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$13.0M$17.0M$27.0M$40.0M$32.0M$20.0M$24.0M$104.0M$138.0M$150.0M
Depreciation$4.0M$5.0M$5.0M$6.0M$6.0M$6.0M$7.0M$8.0M$8.0M$11.0M
Profit Before Tax$28.0M$36.0M$40.0M$49.0M$40.0M$71.0M$78.0M$72.0M$67.0M$82.0M
Tax$25.9M$34.2M$16.2M$17.6M$18.3M$18.5M$19.2M$19.2M$19.0M$19.8M
Net Profit$21.0M$24.0M$34.0M$40.0M$33.0M$58.0M$63.0M$58.0M$55.0M$66.0M
EPS$1.42$1.57$2.22$2.63$1.97$3.16$3.26$2.55$2.39$2.51
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$82.0M$88.0M$86.0M$89.0M$93.0M$93.0M$90.0M$94.0M$118.0M$112.0M$112.0M$127.0M
Operating Expenses$65.0M$70.0M$70.0M$73.0M$76.0M$74.0M$75.0M$76.0M$109.0M$71.0M$89.0M$92.0M
Operating Profit$17.0M$17.0M$15.0M$16.0M$17.0M$19.0M$14.0M$17.0M$9.0M$42.0M$23.0M$35.0M
Operating Margin20.9%19.6%18.0%18.1%18.6%20.1%16.0%18.4%7.7%37.2%20.6%27.7%
Interest$28.0M$32.0M$33.0M$35.0M$36.0M$35.0M$34.0M$34.0M$42.0M$41.0M$39.0M$39.0M
Profit Before Tax$17.0M$17.0M$15.0M$16.0M$17.0M$19.0M$14.0M$17.0M$9.0M$42.0M$33.0M$35.0M
Tax$19.9M$18.4M$18.4M$19.0M$19.3M$19.1M$20.0M$19.1M$22.4M$19.5M$18.4M$19.5M
Net Profit$14.0M$14.0M$13.0M$13.0M$14.0M$15.0M$11.0M$14.0M$7.0M$34.0M$27.0M$28.0M
EPS$0.60$0.62$0.55$0.56$0.61$0.66$0.49$0.62$0.20$1.10$0.88$0.92

Over the 10 years reported for CNB Financial Corporation, borrowings increased from $308.0M in 2016 to $313.0M in 2025, cash stood at $528.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.13 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$2.6B$2.8B$3.2B$3.8B$4.7B$5.3B$5.5B$5.8B$6.2B$8.4B
Current Assets$548.0M$465.0M$587.0M$760.0M$1.2B$1.5B$540.0M$564.0M$847.0M$943.0M
Cash$29.0M$35.0M$46.0M$193.0M$533.0M$732.0M$106.0M$222.0M$443.0M$528.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$23.0M$20.0M$24.0M$25.0M$37.0M$41.0M$62.0M$0$0$0
Fixed Assets$50.0M$51.0M$50.0M$73.0M$78.0M$82.0M$101.0M$109.0M$129.0M$149.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$2.4B$2.5B$3.0B$3.3B$3.9B$4.3B$5.0B$5.2B$5.3B$7.3B
Other Assets$39.0M$39.0M$39.0M$39.0M$44.0M$44.0M$44.0M$44.0M$44.0M$89.0M
Total Liabilities$2.4B$2.5B$3.0B$3.5B$4.3B$4.9B$4.9B$5.2B$5.6B$7.5B
Current Liabilities$2.2B$2.2B$2.9B$3.4B$4.2B$4.8B$4.9B$5.0B$5.4B$7.2B
Borrowings$308.0M$328.0M$316.0M$318.0M$90.0M$125.0M$403.0M$143.0M$146.0M$313.0M
Other Liabilities$2.1B$2.2B$2.6B$3.1B$4.2B$4.8B$4.5B$5.0B$5.4B$7.2B
Equity$0$0$0$0$0$0$0$0$0$0
Reserves$212.0M$244.0M$263.0M$305.0M$416.0M$443.0M$531.0M$571.0M$611.0M$872.0M

For CNB Financial Corporation, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $59.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$27.0M$31.0M$45.0M$52.0M$29.0M$59.0M$64.0M$47.0M$72.0M$65.0M
Investing Cash Flow$-161.0M$-209.0M$-456.0M$-378.0M$-174.0M$-416.0M$-817.0M$-160.0M$-220.0M$21.0M
Financing Cash Flow$69.0M$149.0M$441.0M$490.0M$659.0M$533.0M$-95.0M$370.0M$372.0M$288.0M
Net Cash Flow$2.0M$6.0M$10.0M$147.0M$340.0M$200.0M$-626.0M$116.0M$221.0M$85.0M
Free Cash Flow$17.0M$26.0M$42.0M$43.0M$23.0M$52.0M$52.0M$36.0M$55.0M$59.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.35
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y43.73%
Return 3Y94.13%
Return 5Y65.06%

CNB Financial Corporation (CCNE) financials — frequently asked questions

What is CNB Financial Corporation's annual revenue?

CNB Financial Corporation (CCNE) reported annual revenue of $405.0M in its most recent fiscal year.

What is CNB Financial Corporation's net profit?

CNB Financial Corporation (CCNE) reported net profit of $66.0M in its most recent fiscal year.

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