Zacks Investment Research·Jun 18, 2026
Are You Looking for a Top Momentum Pick? Why CNB Financial (CCNE) is a Great ChoiceDoes CNB Financial (CCNE) have what it takes to be a top stock pick for momentum investors? Let's find out.
CNB Financial Corporation(CCNE)Earnings, Financials & Key Ratios
CCNE•NASDAQ•Banking & Credit
$33.74
13.4× P/E·Price updated Jul 6, 2026
AboutCNB 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.Show more
- Net Interest Income$242M+29.4%
- Total Revenue$405M+12.5%
- Net Income$66M+21.2%
- Return on Equity8.92%-3.4%
- Net Interest Margin2.88%-4.6%
- Efficiency Ratio40.32%-0.2%
- ROA0.91%-0.8%
- Equity / Assets10.39%+5.3%
- Book Value per Share35.35+21.0%
CCNE Price & Volume
CNB Financial Corporation (CCNE) stock price & volume — 10-year historical chart
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Aggressive Asset Expansion Masks Persistent Margin Compression
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and funding
Key Thesis Takeaways
- CNB Financial Corporation is pursuing an aggressive organic growth strategy, evidenced by total assets expanding from 5.8 billion dollars in 2023Q4 to 8.5 billion dollars by 2026Q1.
- While this expansion has driven a 51.7 percent year-over-year surge in net interest income, the bank faces significant headwinds from stagnant net interest margins of 0.9 percent and volatile provisioning models.
- Investors should monitor whether the bank's geographic diversification into secondary markets can offset the inherent credit risks associated with its concentrated industrial loan portfolio.
Verdict Logic
while the forward P/E of 9.66 suggests potential value, the persistent 0.9 percent net interest margin and volatile provisioning reversals warrant a cautious approach until operational efficiency stabilizes below the 40 percent threshold.
CCNE Growth Metrics
CNB Financial Corporation (CCNE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.78%
5 Years16.08%
3 Years18.44%
TTM-
Profit CAGR
10 Years11.53%
5 Years15.1%
3 Years1.53%
TTM52.81%
EPS CAGR
10 Years5.01%
5 Years4.96%
3 Years-8.35%
TTM20.69%
Return on Capital
10 Years10.16%
5 Years11.03%
3 Years9.27%
Last Year8.14%
CCNE Recent Earnings
CNB Financial Corporation (CCNE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (100%)●Beat Revenue 9/12 qtrs (82%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.88+7.3%
$0.82
Rev
$84M-0.8%
$85M
Q2 2026
Mar 11, 2026Metric
Actual
Est
EPS
$1.14
—
Rev
$112M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.88+14.3%
$0.77
Rev
$87M+2.8%
$85M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.82+5.1%
$0.78
Rev
$76M+1.2%
$76M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 20, 2026 | $0.88vs $0.82+7.3% | $84Mvs $85M-0.8% |
| Q2 2026 | Mar 11, 2026 | $1.14 | $112M |
| Q1 2026 | Jan 27, 2026 | $0.88vs $0.77+14.3% | $87Mvs $85M+2.8% |
| Q4 2025 | Oct 30, 2025 | $0.82vs $0.78+5.1% | $76Mvs $76M+1.2% |
Based on last 12 quarters of dataView full earnings history →
Latest CCNE News
Recent stock market news and headlines for CNB Financial Corporation (CCNE)
Zacks Investment Research·Jun 17, 2026
Is the Options Market Predicting a Spike in CNB Financial Stock?Investors need to pay close attention to CCNE stock based on the movements in the options market lately.
Peers Comparison
Key metrics vs top competitors for CNB Financial Corporation (CCNE)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $33.74 | $999.68M | 13.44 | 12.46% | 16.33% | 8.92% | 2.19% | |
| $50.16 | $2.61B | 15.06 | 10.36% | 19.66% | 9.83% | — | |
| $29.64 | $267.97M | 15.12 | 27.11% | 18.05% | 11.51% | — | |
| $23.10 | $222.78M | 15.82 | -9.41% | 16.49% | 8% | — | |
| $67.42 | $674.93M | 11.47 | 22.26% | 20.68% | 11.5% | — | |
| $44.31 | $285.65M | 11.75 | 6.6% | 20.89% | 12.7% | — |
Compare CCNE vs Peers
CNB Financial Corporation (CCNE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CCNE SEC Filings & Documents
CNB Financial Corporation (CCNE) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 16, 2026·SEC
Material company update
Jun 10, 2026·SEC
Material company update
May 12, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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CCNE Frequently Asked Questions
CNB Financial Corporation (CCNE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is CNB Financial Corporation growing?
CNB Financial Corporation (CCNE) grew revenue by 12.5% over the past year. This is steady growth.
Is CCNE profitable?
Yes, CNB Financial Corporation (CCNE) is profitable, generating $81.7M in net income for fiscal year 2025 (16.3% net margin).
Dividend & Returns
Does CCNE pay dividends?
Yes, CNB Financial Corporation (CCNE) pays a dividend with a yield of 2.19%. This makes it attractive for income-focused investors.
What is CCNE's return on equity?
CNB Financial Corporation (CCNE) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is CNB Financial Corporation's net interest margin?
CNB Financial Corporation (CCNE) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
What is CNB Financial Corporation's efficiency ratio?
CNB Financial Corporation (CCNE) has an efficiency ratio of 40.3%. This is excellent, indicating strong cost control.