CCNE - NASDAQ

CNB Financial Corporation

CCNE·NASDAQ

$29.74

-3.3%

Financial ServicesBanks - Regional

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides a range of 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 various other specialized financial services. It also provides 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 small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. As of February 8, 2022, the company operated a private banking division; three loan production office; one drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York, and Virginia. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$881.17M

EPS2.5100

P/E Ratio11.85

Earnings Date07/28/2026

8.40B

Assets

36%

3Y+53.0%

5Y+78.0%

10Y+226.0%

7.52B

Total Liabilities

35%

3Y+52.0%

5Y+74.0%

10Y+219.0%

872.13M

Total Equity

43%

3Y+64.0%

5Y+110.0%

10Y+312.0%

CNB Financial Corporation Funding & Solvency Profile

CCNE · NASDAQ

Current Assets

Cash & Cash Equivalents78.20M

Net Receivables6.43B

Inventory0.00

Other Current Assets0.00

Total Current Assets7 B

Non-Current Assets

Property, Plant & Equipment0.00

Goodwill & Intangible Assets88.51M

Long-Term Investments6.85B

Other Non-Current Assets-6.85B

Total Non-Current Assets0

Total Assets

8.40B

Financial Health Analysis

Current Ratio

43.23x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

8.63x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

7 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

84% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

CNB Financial Corporation Balance Sheet

CCNE • NASDAQ

CNB Financial Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	78.2M	443M	221.9M	106.3M	732.2M	532.7M	193M	45.6M	35.3M	29.2M	27.3M	28.2M	29.9M	32.1M	39.9M	40.2M	28.7M	37.7M	29.3M	25.6M
Short-Term Investments	584.3M	403.5M	342M	371.4M	697.2M	584.9M	542.3M	516.9M	409.7M	495.8M	546M	685.7M	686M	737.3M	638.1M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	662.5M	846.5M	564M	477.7M	1.4B	1.1B	735.3M	562.4M	445.1M	525M	573.3M	713.9M	715.9M	769.4M	678M	40.2M	28.7M	37.7M	29.3M	25.6M
Net Receivables	6.4B	0.0	0.0	62.1M	40.7M	37.4M	24.9M	24.3M	20.4M	23.3M	17.9M	18.7M	26M	13M	14.3M	20M	20M	17.7M	19M	7.6M
Accounts Receivables	6.4B	0.0	0.0	62.1M	40.7M	37.4M	24.9M	24.3M	20.4M	23.3M	17.9M	18.7M	26M	13M	14.3M	20M	20M	17.7M	19M	7.6M
Total Current Assets	7.1B	846.5M	564M	539.8M	1.5B	1.2B	760.2M	586.7M	465.5M	548.3M	591.2M	732.5M	741.9M	782.4M	692.3M	60.3M	48.8M	55.4M	48.2M	33.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	0.0	128.7M	109.4M	100.8M	81.6M	78.5M	73.3M	49.9M	50.7M	49.5M	39.4M	35.4M	31.6M	24.1M	24M	24.1M	23.4M	23.6M	19.8M	16.2M
Goodwill	54.8M	43.9M	43.9M	43.7M	43.7M	43.7M	38.7M	38.7M	38.7M	38.7M	27.2M	27.2M	27.2M	10.9M	10.8M	10.8M	10.8M	10.8M	0.0	0.0
Intangible Assets	33.7M	1.5M	1.8M	2.2M	2.1M	2.1M	1.7M	2.2M	3M	4.2M	3.4M	4.3M	5.5M	714K	906K	908K	961K	737K	19M	7.6M
Goodwill & Intangible Assets	88.5M	45.3M	45.7M	45.9M	45.9M	45.8M	40.5M	41M	41.7M	43M	30.6M	31.5M	32.7M	11.7M	11.7M	11.7M	11.8M	11.6M	11.6M	11.7M
Long-Term Investments	6.9B	4.9B	4.8B	4.6B	3.6B	3.3B	2.8B	2.5B	2.1B	1.9B	1.6B	1.3B	1.3B	916.2M	838.7M	1.3B	1.1B	903.5M	757.5M	700.1M
Other Non-Current Assets	-6.9B	227.5M	212.3M	142.2M	123M	104.1M	104.2M	88.7M	83.7M	68.3M	61.5M	51M	45.5M	38.8M	35.4M	28.5M	25.7M	22.5M	21.7M	19.8M
Total Non-Current Assets	88.5M	5.3B	5.2B	4.9B	3.9B	3.6B	3B	2.6B	2.3B	2B	1.7B	1.5B	1.4B	990.7M	909.9M	1.4B	1.1B	961.1M	810.5M	747.8M
Other Assets	1.2B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	8.4B	6.2B	5.8B	5.5B	5.3B	4.7B	3.8B	3.2B	2.8B	2.6B	2.3B	2.2B	2.1B	1.8B	1.6B	1.4B	1.2B	1B	856.3M	780.9M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	51.3M	45M	41.4M	38.5M	32.2M	29.1M	30.4M	27M	21.3M	22.5M	24.3M	21.4M	0.0	0.0	10.6M	9.6M	7.1M
Accounts Payable	0.0	0.0	0.0	51.3M	45M	41.4M	38.5M	32.2M	29.1M	30.4M	27M	21.3M	22.5M	24.3M	21.4M	0.0	0.0	10.6M	9.6M	7.1M
Short Term Debt	171.4M	0.0	0.0	264.8M	0.0	0.0	227.9M	245.1M	34.4M	104M	116.3M	36M	13M	23.5M	74.5M	1.2M	1.4M	719K	2M	2M
Other Current Liabilities	-7.4M	5.4B	5B	4.6B	4.7B	4.2B	3.1B	2.6B	2.2B	2B	1.8B	1.8B	1.8B	1.5B	1.4B	1.2B	956.9M	814.6M	659.2M	631.3M
Total Current Liabilities	164M	5.4B	5B	4.9B	4.8B	4.2B	3.4B	2.9B	2.2B	2.2B	2B	1.9B	1.9B	1.5B	1.4B	1.2B	958.2M	826M	670.8M	640.4M
NON-CURRENT LIABILITIES
Long Term Debt	105.5M	105.2M	104.9M	104.6M	104.3M	70.6M	70.6M	70.6M	293.6M	203.7M	124.9M	96.3M	95.6M	94.9M	20.6M	125.9M	120.6M	128.1M	118.6M	68.2M
Other Non-Current Liabilities	7.2B	64.4M	40.4M	-132.4M	0.0	0.0	0.0	0.0	0.0	6.5M	0.0	0.0	0.0	0.0	0.0	13.9M	13.3M	0.0	0.0	0.0
Total Non-Current Liabilities	7.4B	210M	183M	5.9M	125.4M	90.1M	90M	70.6M	293.6M	210.1M	124.9M	96.3M	95.6M	94.9M	20.6M	139.8M	133.9M	128.1M	118.6M	68.2M
Capital Lease Obligations	54.4M	40.3M	37.7M	33.7M	21.2M	19.4M	19.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	7.5B	5.6B	5.2B	4.9B	4.9B	4.3B	3.5B	3B	2.5B	2.4B	2.1B	2B	2B	1.6B	1.5B	1.3B	1.1B	954.1M	787M	708.6M
SHAREHOLDERS' EQUITY
Treasury Stock	-2.6M	-4.7M	-6.9M	-3M	-2.5M	-3M	-2.8M	-2.6M	-1.1M	-127K	-1.1M	-1.2M	-633K	-1.7M	-3.3M	-5.4M	-7M	-9.3M	-9.9M	-5.3M
Preferred Stock	57.8M	57.8M	57.8M	57.8M	57.8M	57.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Additional Paid-In Capital	422.7M	219.9M	220.5M	221.6M	127.4M	127.5M	99.3M	97.6M	97M	77.7M	77.8M	78M	77.9M	44.2M	44.4M	44.7M	12.6M	12.9M	13.1M	13.3M
Retained Earnings	424.9M	381.3M	345.9M	306.9M	260.6M	218.7M	201.5M	171.8M	148.3M	134.3M	123.3M	110.6M	97.1M	89M	80M	73.1M	68.7M	65.9M	66.7M	63M
Accumulated Other Comprehensive Income/Loss	-30.7M	-43.6M	-46.1M	-52.5M	-394K	15.1M	6.9M	-4M	-343K	-121K	1.9M	1.1M	-9.4M	13.9M	10.8M	-2.7M	-4.9M	-7M	-524K	1.3M
Total Stockholders' Equity	872.1M	610.7M	571.2M	530.8M	442.8M	416.1M	305M	262.8M	243.9M	211.8M	201.9M	188.5M	164.9M	145.4M	131.9M	109.6M	69.4M	62.5M	69.3M	72.3M
Total Equity	872.1M	610.7M	571.2M	530.8M	442.8M	416.1M	305M	262.8M	243.9M	211.8M	201.9M	188.5M	164.9M	145.4M	131.9M	109.6M	69.4M	62.5M	69.3M	72.3M
SUMMARY
Total Liabilities & Equity	8.4B	6.2B	5.8B	5.5B	5.3B	4.7B	3.8B	3.2B	2.8B	2.6B	2.3B	2.2B	2.1B	1.8B	1.6B	1.4B	1.2B	1B	856.3M	780.9M
Total Investments	7.3B	5.3B	5.2B	5B	4.3B	3.9B	3.3B	3B	2.5B	2.4B	2.1B	2B	2B	1.7B	1.5B	1.3B	1.1B	903.5M	757.5M	700.1M
Total Debt	331.3M	145.5M	142.5M	403.1M	125.4M	90.1M	317.9M	315.7M	328M	307.6M	241.1M	132.3M	108.6M	118.4M	95.1M	127.1M	122M	128.8M	120.6M	70.2M
Net Debt	253.1M	-297.5M	-79.5M	296.8M	-606.8M	-442.6M	124.9M	270.2M	292.6M	278.4M	213.9M	104.2M	78.7M	86.3M	55.1M	86.9M	93.3M	91.1M	91.3M	44.6M
Shares Outstanding	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200	29,476,200

SEC Filings

CCNE - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 12, 2026	May 12, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 14, 2026	April 14, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	March 16, 2026	December 31, 2025	2025	View Filing
10-K 10-K 2025 FY FY	March 11, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 18, 2026	February 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 10, 2026	February 10, 2026	2026	View Filing

Showing 1 to 10 of 582 filings

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