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CNB Financial Corporation

CNB Financial Corporation

CCNE · NASDAQ · Financial Services / Banks - Regional

35.60USD-0.04 (-0.11%)

Price History

Full chart

Market Stats

Previous Close35.64
Open35.64
Day Range35.39 – 35.78
52-Week Range22.23 – 35.97
Volume157.20K
Market Cap1.00B
P/E (TTM)10.53
Forward P/E10.12
EPS3.22
Dividend Yield2.27%
Beta0.61
50-Day Avg34.43
200-Day Avg30.76

About

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various 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 other specialized financial services. It also provides private banking services; and 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 offers small balance unsecured loans, and secured loans primarily collateralized by automobiles and equipment, as well as engages in consumer discount loan and finance business. The company was founded in 1865 and is headquartered in Clearfield, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Michael D. Peduzzi CPA
  • Employees917
  • Headquarters1 South Second Street, Clearfield, PA, United States, 16830, USA
  • Websitehttps://cnbbank.bank

Leadership

  • Mr. Michael D. Peduzzi CPAPresident, CEO & Director · b. 1966
  • Mr. Tito L. LimaSenior EVP, CFO & Treasurer · b. 1965
  • Mr. Michael J. NoahExecutive VP & COO
  • Mr. Martin T. GriffithSenior EVP & Chief Revenue Officer · b. 1963
  • Ms. Angela D. WilcoxsonExecutive VP & Chief Commercial Banking Officer · b. 1971
  • Ms. Heather J. KoptchakExecutive VP & Chief Employee Resources Officer · b. 1985
  • Ms. Leanne D. KassabSenior Executive VP, Chief Experience Officer & Assistant Secretary · b. 1968
  • Mr. Steven R. Shaffner ShillingExecutive VP & Chief Wealth Management Officer · b. 1971
  • Mr. Gregory M. Dixon CPAExecutive VP & Chief Credit Officer · b. 1978
  • Mr. Darryl P. KochExecutive VP and Chief Information Technology & Security Officer · b. 1986

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue11.55M12.27M15.41M34.50M39.20M45.13M46.41M45.77M44.72M42.90M49.27M57.31M63.02M63.64M65.87M70.80M76.43M80.79M85.18M101.20M101.98M110.12M127.66M149.76M178.81M192.09M209.20M243.70M322.01M360.01M404.86M
Growth (%)-+6.29%+25.55%+123.91%+13.62%+15.12%+2.84%-1.36%-2.30%-4.07%+14.84%+16.31%+9.97%+0.97%+3.51%+7.48%+7.96%+5.71%+5.43%+18.81%+0.76%+7.98%+15.93%+17.31%+19.40%+7.43%+8.91%+16.49%+32.13%+11.80%+12.46%
Cost of Revenue9.60M10.40M12.72M15.30M17.20M20.64M20.23M17.00M14.94M13.93M16.74M22.22M24.43M24.37M22.93M24.21M22.52M21.30M18.35M16.13M15.03M17.18M24.02M33.02M45.55M47.81M25.82M32.67M109.86M147.22M159.16M
Gross Profit1.94M1.88M2.69M19.20M22.00M24.49M26.18M28.77M29.79M28.97M32.53M35.08M38.59M39.27M42.94M46.58M53.91M59.49M66.83M85.08M86.95M92.94M103.64M116.74M133.26M144.28M183.38M211.03M212.15M212.79M245.70M
Gross Margin16.83%15.28%17.43%55.65%56.12%54.26%56.41%62.86%66.60%67.54%66.03%61.22%61.23%61.70%65.18%65.80%70.54%73.64%78.46%84.06%85.26%84.40%81.18%77.95%74.52%75.11%87.66%86.60%65.88%59.11%60.69%
Operating Expense-3.05M-3.70M-3.06M12.40M15.90M17.25M17.37M17.31M17.93M19.14M20.40M22.11M26.17M32.76M32.07M31.80M33.28M35.95M43.81M52.69M56.46M65.23M67.39M76.51M84.62M104.19M112.60M132.82M140.32M145.43M163.23M
Operating Income4.99M5.58M5.75M6.80M6.10M7.24M8.81M11.47M11.86M9.84M12.13M12.97M12.41M6.50M10.87M14.79M20.63M23.55M23.02M32.39M30.49M27.71M36.25M40.23M48.64M40.09M70.78M78.21M71.83M67.36M82.47M
Operating Margin43.22%45.44%37.30%19.71%15.56%16.04%18.98%25.05%26.52%22.92%24.61%22.64%19.70%10.22%16.50%20.88%27.00%29.14%27.02%32.00%29.90%25.17%28.40%26.86%27.20%20.87%33.83%32.09%22.31%18.71%20.37%
EBITDA5.50M6.24M6.81M7.90M8.20M9.71M11.29M12.89M14.05M11.60M13.94M14.40M13.50M8.38M12.86M16.82M22.71M25.77M25.66M36.50M34.53M32.20M41.49M45.01M54.60M46.17M77.02M84.79M79.57M75.63M93.37M
EBITDA Margin47.59%50.85%44.22%22.90%20.92%21.52%24.33%28.17%31.43%27.04%28.30%25.12%21.42%13.17%19.53%23.76%29.71%31.90%30.12%36.06%33.86%29.24%32.50%30.06%30.54%24.04%36.82%34.79%24.71%21.01%23.06%
Net Income3.82M4.28M4.30M5.00M4.60M5.43M6.51M8.67M9.06M7.87M9.14M9.62M9.13M5.24M8.51M11.32M15.10M17.14M16.68M23.07M22.20M20.54M23.86M33.72M40.08M32.74M57.71M63.19M58.02M54.58M66.13M
Net Income Margin33.06%34.89%27.92%14.49%11.73%12.04%14.03%18.93%20.25%18.35%18.55%16.79%14.49%8.23%12.92%15.98%19.76%21.21%19.58%22.80%21.77%18.65%18.69%22.52%22.42%17.05%27.58%25.93%18.02%15.16%16.33%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense9.22M9.80M11.82M14.60M16.60M19.83M19.15M15.20M13.40M13.13M15.96M20.85M22.92M20.58M18.47M19.06M17.58M14.92M12.21M12.29M12.47M13.03M17.36M26.95M39.53M32.46M19.82M24.08M103.87M138.00M150.31M
Interest Expense % of Total Revenue79.88%79.83%76.73%42.32%42.35%43.95%41.26%33.21%29.96%30.60%32.38%36.39%36.37%32.34%28.04%26.92%23.00%18.47%14.34%12.14%12.23%11.83%13.60%18.00%22.11%16.90%9.47%9.88%32.26%38.33%37.13%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets297.52M327.01M372.87M468.90M561.20M555.37M592.79M668.52M701.75M725.22M764.02M780.85M856.31M1.02B1.16B1.41B1.60B1.77B2.13B2.19B2.29B2.57B2.77B3.22B3.76B4.73B5.33B5.48B5.75B6.19B8.40B
Total Liabilities259.98M287.29M330.66M419.50M513.60M504.16M537.90M606.49M635.30M656.51M694.05M708.57M787.02M954.05M1.09B1.30B1.47B1.63B1.97B2.00B2.08B2.36B2.52B2.96B3.46B4.31B4.89B4.94B5.18B5.58B7.52B
Total Equity37.54M39.72M42.21M49.40M47.60M51.20M54.89M62.03M66.45M68.71M69.97M72.28M69.28M62.47M69.41M109.64M131.89M145.36M164.91M188.55M201.91M211.78M243.91M262.83M304.97M416.14M442.85M530.76M571.25M610.70M872.13M
Cash12.33M10.82M18.41M11.40M21.20M17.97M19.39M22.53M20.98M29.91M43.02M25.55M29.31M37.71M28.75M40.25M39.93M32.11M29.91M28.15M27.26M29.18M35.34M45.56M192.97M532.69M732.20M106.28M221.87M443.04M527.90M
Total Debt2.85M14.66M8.07M16.40M7.80M13.34M23.27M52.00M51.62M52.31M70.56M70.19M120.62M128.82M122.00M127.13M95.08M118.43M108.57M132.31M241.13M307.62M327.98M315.74M317.89M72.28M105.99M403.10M142.54M145.50M313.24M
Net Debt-9.48M3.84M-10.33M5.00M-13.40M-4.63M3.88M29.47M30.64M22.40M27.54M44.64M91.31M91.11M93.26M86.88M55.15M86.32M78.66M104.16M213.87M278.44M292.63M270.17M124.92M-462.07M-627.92M296.82M-79.51M-297.53M-214.66M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.70M2.67M4.91M4.70M8.70M7.13M9.20M5.10M12.15M7.98M9.73M12.93M12.65M13.55M14.93M11.15M30.39M27.56M33.61M28.92M33.64M26.76M30.76M44.85M51.91M28.76M58.92M64.05M47.02M71.51M64.98M
Investing Cash Flow-24.42M-28.12M-37.78M-56.80M-103.10M1.60M-35.19M-65.12M-39.02M-16.06M-30.11M-35.16M-74.90M-167.17M-155.46M-233.67M-180.37M-182.62M-36.45M-55.53M-100.71M-150.88M-203.65M-452.68M-368.74M-168.68M-409.76M-804.70M-149.46M-203.28M27.64M
Financing Cash Flow22.31M23.94M40.49M58.00M89.60M-11.97M27.41M63.15M25.32M17.02M33.48M4.91M67.59M158.43M131.63M237.60M152.25M147.24M595.00K24.90M66.41M126.04M179.05M418.04M464.11M479.64M550.34M114.73M218.20M352.76M-7.77M
Capital Expenditure3.14M2.09M234.00K2.30M17.50M1.05M863.00K769.00K1.96M2.08M1.76M3.39M4.66M5.41M1.48M1.99M1.71M2.02M5.34M6.43M6.75M10.13M5.21M3.07M9.04M5.64M6.48M12.29M10.97M16.28M6.33M
Free Cash Flow1.56M581.00K4.68M2.40M-8.80M6.08M8.33M4.33M10.20M5.90M7.97M9.53M7.99M8.15M13.46M9.15M28.68M25.54M28.27M22.49M26.89M16.64M25.55M41.79M42.86M23.11M52.44M51.76M36.05M55.23M58.65M
Dividends Paid2.00M2.14M2.35M2.60M2.90M3.08M3.41M4.33M4.33M4.77M5.05M5.10M5.39M5.53M5.73M6.93M8.13M8.21M8.57M9.52M9.52M9.55M10.09M10.24M10.36M12.13M15.85M16.86M19.00M19.21M22.49M
FCF to OCF33.15%21.72%95.24%51.06%-101.15%85.27%90.62%84.92%83.90%73.91%81.90%73.76%63.18%60.12%90.10%82.13%94.39%92.69%84.12%77.78%79.93%62.17%83.05%93.16%82.57%80.37%89.00%80.81%76.67%77.23%90.26%
Dividend Paid to FCF128.16%367.64%50.14%108.33%-32.95%50.67%40.92%100.00%42.52%80.91%63.34%53.54%67.51%67.80%42.56%75.74%28.33%32.16%30.32%42.33%35.39%57.37%39.51%24.50%24.17%52.47%30.23%32.57%52.69%34.79%38.35%

Earnings

Report DateMar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jul 16, 2003Nov 14, 2003Jan 28, 2004Apr 23, 2004Jul 16, 2004Oct 19, 2004Jan 28, 2005Apr 19, 2005Jul 21, 2005Oct 19, 2005Jan 23, 2006Apr 21, 2006Jul 21, 2006Oct 23, 2006Jan 23, 2007Apr 23, 2007Jul 23, 2007Oct 23, 2007Feb 5, 2008Apr 15, 2008Jul 30, 2008Oct 24, 2008Feb 12, 2009Apr 21, 2009Jul 29, 2009Oct 23, 2009Jan 27, 2010Apr 19, 2010Jul 26, 2010Oct 21, 2010Feb 4, 2011Apr 18, 2011Jul 25, 2011Oct 24, 2011Feb 2, 2012Apr 16, 2012Jul 19, 2012Oct 22, 2012Jan 31, 2013Apr 15, 2013Aug 1, 2013Oct 22, 2013Jan 31, 2014Apr 14, 2014Jul 21, 2014Oct 21, 2014Jan 30, 2015Apr 20, 2015Jul 20, 2015Oct 19, 2015Jan 29, 2016Apr 18, 2016Jul 21, 2016Oct 20, 2016Jan 27, 2017Apr 17, 2017Jul 19, 2017Oct 19, 2017Feb 2, 2018Apr 16, 2018Jul 20, 2018Oct 19, 2018Jan 28, 2019Apr 15, 2019Jul 19, 2019Oct 17, 2019Jan 22, 2020Apr 20, 2020Jul 21, 2020Oct 20, 2020Jan 26, 2021Apr 19, 2021Jul 20, 2021Oct 25, 2021Jan 24, 2022Apr 18, 2022Jul 19, 2022Oct 18, 2022Jan 19, 2023Apr 17, 2023Jul 20, 2023Oct 23, 2023Jan 23, 2024Apr 15, 2024Jul 18, 2024Oct 21, 2024Jan 21, 2025Apr 14, 2025Jul 22, 2025Oct 30, 2025Jan 27, 2026Apr 20, 2026Jul 23, 2026Oct 29, 2026
EPS Estimate---------------------------------0.290.180.300.270.240.210.260.290.300.330.340.340.350.360.360.360.340.350.270.370.360.380.400.410.350.370.380.350.380.430.410.330.320.390.300.480.520.570.590.560.580.640.690.530.380.350.580.690.730.770.790.750.830.990.740.750.650.550.540.510.510.560.600.580.590.710.790.800.870.87
EPS Actual0.150.160.190.210.180.210.250.260.220.250.260.260.220.220.220.200.220.260.250.270.270.260.260.280.220.270.280.280.230.250.040.080.260.290.260.180.250.340.250.230.270.320.330.310.350.350.370.310.340.270.400.330.360.380.390.460.390.370.390.410.360.400.620.360.370.410.480.410.460.550.600.590.570.610.670.660.580.560.700.750.780.760.820.800.840.850.900.700.730.610.600.620.550.560.610.660.570.630.820.870.880.91-
Surprise---------------------------------0.00%44.44%-40.00%-7.41%41.67%19.05%-11.54%-6.90%6.67%0.00%-8.82%2.94%0.00%2.78%-13.89%-5.56%-20.59%14.29%22.22%-2.70%5.56%2.63%15.00%-4.88%5.71%5.41%7.89%2.86%5.26%44.19%-12.20%12.12%28.13%23.08%36.67%-4.17%5.77%5.26%0.00%1.79%5.17%4.69%-4.35%9.43%47.37%100.00%29.31%13.04%4.11%6.49%1.27%12.00%2.41%-9.09%-5.41%-2.67%-6.15%9.09%14.81%7.84%9.80%8.93%9.09%-1.72%6.78%15.49%10.13%10.00%4.60%-
Timing-------------------------------------After-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketPre-marketPre-market-After-hoursPre-market-Pre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.00B
Enterprise Value873.91M
Trailing P/E10.53
Forward P/E10.12
PEG Ratio1.06
Price / Sales3.05
Price / Book1.16
EPS3.22
Book Value29.05
Revenue (TTM)329.29M
Gross Profit (TTM)329.29M
Profit Margin29.16%
Operating Margin43.32%
Return on Equity12.42%
Return on Assets1.30%
Shares Outstanding29.62M
Shares Float28.45M
Beta0.61
Dividend Yield2.27%
Dividend Rate0.76
Payout Ratio21.55%

Analyst Ratings

Buy
Based on 3 analystsTarget 37.83
  • Strong Buy
    2
  • Hold
    1

Ownership Breakdown

Institutions
68.36%
Insiders
2.64%
Retail / Other
29.00%

Top Institutional Holders

  • Wellington Management Company LLP
    2.42M8.19%
  • BlackRock Inc
    2.09M7.05%
  • Dimensional Fund Advisors, Inc.
    1.56M5.28%
  • Vanguard Capital Management, LLC
    1.29M4.34%
  • Davis Asset Management, L.P.
    950.00K3.21%
  • American Century Companies Inc
    819.91K2.77%
  • Geode Capital Management, LLC
    807.12K2.72%
  • State Street Corp
    617.79K2.09%
  • Stieven Capital Advisors, L.p.
    434.67K1.47%
  • Maltese Capital Management LLC
    422.10K1.43%
  • Ameriprise Financial Inc
    375.84K1.27%
  • Hotchkis & Wiley Capital Management LLC
    336.14K1.13%
  • Arrowstreet Capital Limited Partnership
    292.07K0.99%
  • JPMorgan Chase & Co
    276.72K0.93%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    892.31K3.01%
  • iShares Russell 2000 ETF
    781.19K2.64%
  • Avantis US Small Cap Value ETF
    776.29K2.62%
  • DFA US Small Cap Value I
    391.13K1.32%
  • Fidelity Small Cap Index
    320.52K1.08%
  • iShares Russell 2000 Value ETF
    279.84K0.94%

Dividends

20263×
0.19Sep 1, 20260.19Jun 1, 20260.19Feb 27, 2026
20254×
0.18Nov 28, 20250.18Aug 29, 20250.18May 30, 20250.18Feb 28, 2025
20244×
0.18Nov 29, 20240.18Aug 30, 20240.17May 31, 20240.17Feb 29, 2024
20234×
0.17Nov 30, 20230.17Aug 31, 20230.17May 31, 20230.17Feb 28, 2023
20224×
0.17Nov 30, 20220.17Aug 31, 20220.17May 31, 20220.17Feb 28, 2022
20214×
0.17Nov 30, 20210.17Aug 31, 20210.17May 28, 20210.17Feb 26, 2021
20201×
0.17Nov 30, 2020

Stock Splits

  • May 24, 20045:2
  • May 1, 19982:1