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    CNB Financial (CCNE)

    Market Price (9/21/2026): $34.13 | Market Cap: $1.0 BilSector: Financials | Industry: Regional Banks

    CNB Financial (CCNE)

    Market Price (9/21/2026): $34.13
    Market Cap: $1.0 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.6%, FCF Yield is 8.6%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -76%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 43%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%

    Low stock price volatility
    Vol 12M is 24%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.

    Trading close to highs
    Dist 52W High is -3.9%, Dist 3Y High is -3.9%

    Key risks
    CCNE key risks include challenges from its recent ESSA Bancorp acquisition, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.6%, FCF Yield is 8.6%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -76%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 43%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 26%
    4 Low stock price volatility
    Vol 12M is 24%
    5 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.
    6 Trading close to highs
    Dist 52W High is -3.9%, Dist 3Y High is -3.9%
    7 Key risks
    CCNE key risks include challenges from its recent ESSA Bancorp acquisition, Show more.

    CCNE in ETFs

    Weight = CCNE's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.03%
    KRE0.15%
    AVUV0.09%
    VTWO0.03%
    DFAS0.02%
    SCHA0.02%
    +4 more covered ETFs

    Valuation & Metrics

    FYE: 12/31CCNE [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$329.3 Mil—
    FY 2026 Sales$347.7 Mil—
    FY 2027 Sales$368.3 Mil—
    FY 2026 Sales Growth5.6%—
    FY 2027 Sales Growth5.9%12.9%
    EARNINGS
    LTM Net Income (GAAP) [3]$96.0 Mil—
    FY 2026 Net Income (Non-GAAP)$87.7 Mil—
    FY 2027 Net Income (Non-GAAP)$92.6 Mil—
    FY 2027 Net Income Growth5.5%18.1%
    FY 2026 EPS (Non-GAAP)$3.54—
    FY 2027 EPS (Non-GAAP)$3.72—
    FY 2027 EPS Growth5.1%—
    VALUATION
    FY 2026 P/S2.91.6
    FY 2027 P/S2.7—
    FY 2026 P/E11.47.4
    FY 2027 P/E10.8—

    [1] CCNE forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    CCNES&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.3
    Rev Chg Q43.7%9.1%
    Rev Chg LTM42.5%8.3%
    Rev Chg 3Y Avg15.4%5.8%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM27.1%21.8%
    Net Inc Mgn29.2%13.1%
    VALUATIONLOW
    P/S3.03.1
    P/CFO11.214.7
    P/FCF11.719.1
    P/E10.422.4

    AI Analysis | Feedback

    MetricValueDateSource
    Efficiency Ratio64.73%6302025Link
    Net Interest Margin3.69%9302025Link
    Nonperforming Assets to Total Assets0.49%9302025Link
    Level of Bad Loans to Total Loans0.6%8132025Link
    Loans to Deposits Ratio86%8132025Link
    Number of Full-Service Offices55372025Link
    Employee Volunteer Hours3474112312024Link
    Number of Organizations Supported by Employee Volunteers68012312024Link
    Adjusted Uninsured Deposits to Total Deposits17.63%6302025Link
    Return on Average Tangible Common Equity (Annualized)9.71%6302025Link

    Price Chart

    Upcoming
    10/29/2026Earnings ReleaseRev: $87 Mil (E)
    EPS: $0.88 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    CNB Financial (CCNE) stock has gained about 15% since 5/31/2026 because of the following key factors:

    1. Robust Earnings Outperformance in Fiscal Q2 2026.

    CNB Financial reported strong financial results for its fiscal Q2 2026 (ended June 30, 2026), significantly beating analyst expectations. Net income available to common shareholders more than doubled year-over-year to $27.2 million, or $0.91 per diluted share, compared to $12.9 million, or $0.61 per diluted share, in fiscal Q2 2025. The company's reported EPS of $0.91 surpassed the consensus estimate of $0.86 by $0.05, and quarterly revenue of $87.65 million exceeded estimates of $85.87 million.

    2. Significant Net Interest Income Growth and Operational Efficiency.

    A core driver of the strong earnings was a substantial 46% surge in net interest income year-over-year in fiscal Q2 2026. This was coupled with an improved efficiency ratio, which tightened to 56%. These improvements indicate successful operational leverage, largely stemming from the previous acquisition of ESSA Bancorp in fiscal Q3 2025, as the combined balance sheet began "firing on all cylinders" and the institution became leaner.

    Show more
    Updated on 9/1/2026

    CNB Financial (CCNE) stock has gained about 15% since 5/31/2026 because of the following key factors:

    1. Robust Earnings Outperformance in Fiscal Q2 2026.

    CNB Financial reported strong financial results for its fiscal Q2 2026 (ended June 30, 2026), significantly beating analyst expectations. Net income available to common shareholders more than doubled year-over-year to $27.2 million, or $0.91 per diluted share, compared to $12.9 million, or $0.61 per diluted share, in fiscal Q2 2025. The company's reported EPS of $0.91 surpassed the consensus estimate of $0.86 by $0.05, and quarterly revenue of $87.65 million exceeded estimates of $85.87 million.

    2. Significant Net Interest Income Growth and Operational Efficiency.

    A core driver of the strong earnings was a substantial 46% surge in net interest income year-over-year in fiscal Q2 2026. This was coupled with an improved efficiency ratio, which tightened to 56%. These improvements indicate successful operational leverage, largely stemming from the previous acquisition of ESSA Bancorp in fiscal Q3 2025, as the combined balance sheet began "firing on all cylinders" and the institution became leaner.

    3. Positive Analyst Upgrades and Increased Price Targets.

    Analyst sentiment turned increasingly positive during the period, with several firms upgrading ratings and raising price targets. Raymond James Financial upgraded CNB Financial to a "moderate buy" rating in late August 2026, initiating coverage with an "outperform" rating and a price target of $39.00. Keefe, Bruyette & Woods increased their price objective to $37.00 from $35.00 in late July, while DA Davidson also lifted their target from $34.00 to $36.00. The average 12-month price objective among brokerages now stands at $36.75.

    4. Favorable Macroeconomic Environment for Regional Banks.

    The broader financial sector, including regional banks, experienced a positive trend, with the sector gaining 2% or more in July 2026. Banks generally benefited from relatively high interest rates during this period, which positively impacted net interest margins across the industry. This favorable macroeconomic backdrop contributed to CNB Financial's stock performance.

    5. Consistent Shareholder Returns through Dividend Declaration.

    CNB Financial demonstrated its commitment to shareholder returns and financial stability by declaring a quarterly cash dividend of $0.19 per common share on August 11, 2026. This dividend is payable on September 15, 2026, to shareholders of record as of September 1, 2026.

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    Stock Movement Drivers

    Fundamental Drivers

    The 12.7% change in CCNE stock from 5/31/2026 to 9/20/2026 was primarily driven by a 8.7% change in the company's Total Revenues ($ Mil).
    (LTM values as of)53120269202026Change
    Stock Price ($)30.3134.1512.7%
    Change Contribution By: 
    Total Revenues ($ Mil)3033298.7%
    Net Income Margin (%)27.0%29.2%8.2%
    P/E Multiple10.910.4-4.0%
    Shares Outstanding (Mil)2929-0.1%
    Cumulative Contribution12.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/20/2026
    ReturnCorrelation
    CCNE12.7% 
    Market (SPY)0.9%6.7%
    Sector (XLF)8.3%45.8%

    Fundamental Drivers

    The 23.4% change in CCNE stock from 2/28/2026 to 9/20/2026 was primarily driven by a 53.5% change in the company's Net Income Margin (%).
    (LTM values as of)22820269202026Change
    Stock Price ($)27.6834.1523.4%
    Change Contribution By: 
    Total Revenues ($ Mil)25032931.6%
    Net Income Margin (%)19.0%29.2%53.5%
    P/E Multiple15.810.4-34.0%
    Shares Outstanding (Mil)2729-7.4%
    Cumulative Contribution23.4%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/20/2026
    ReturnCorrelation
    CCNE23.4% 
    Market (SPY)11.6%23.2%
    Sector (XLF)9.2%43.6%

    Fundamental Drivers

    The 33.1% change in CCNE stock from 8/31/2025 to 9/20/2026 was primarily driven by a 42.5% change in the company's Total Revenues ($ Mil).
    (LTM values as of)83120259202026Change
    Stock Price ($)25.6634.1533.1%
    Change Contribution By: 
    Total Revenues ($ Mil)23132942.5%
    Net Income Margin (%)23.6%29.2%23.7%
    P/E Multiple9.810.46.1%
    Shares Outstanding (Mil)2129-28.9%
    Cumulative Contribution33.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/20/2026
    ReturnCorrelation
    CCNE33.1% 
    Market (SPY)19.4%28.7%
    Sector (XLF)4.7%50.0%

    Fundamental Drivers

    The 104.7% change in CCNE stock from 8/31/2023 to 9/20/2026 was primarily driven by a 88.0% change in the company's P/E Multiple.
    (LTM values as of)83120239202026Change
    Stock Price ($)16.6834.15104.7%
    Change Contribution By: 
    Total Revenues ($ Mil)22332947.4%
    Net Income Margin (%)28.1%29.2%3.7%
    P/E Multiple5.610.488.0%
    Shares Outstanding (Mil)2129-28.7%
    Cumulative Contribution104.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/20/2026
    ReturnCorrelation
    CCNE104.7% 
    Market (SPY)75.6%42.2%
    Sector (XLF)69.8%58.6%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    CCNE Return28%-8%-2%14%8%33%90%
    Peers Return35%-12%-2%16%15%15%80%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    CCNE Win Rate67%58%50%50%58%89% 
    Peers Win Rate63%52%52%57%60%56% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    CCNE Max Drawdown-15%-17%-32%-19%-23%-9% 
    Peers Max Drawdown-22%-29%-38%-19%-23%-19% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, FITB, MTB, HBAN.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/18/2026 (YTD)

    How Low Can It Go

    EventCCNES&P 500
    2025 US Tariff Shock
      % Loss-21.3%-18.8%
      % Gain to Breakeven27.1%23.1%
      Time to Breakeven140 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-29.7%-6.7%
      % Gain to Breakeven42.3%7.1%
      Time to Breakeven228 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-12.4%-24.5%
      % Gain to Breakeven14.2%32.4%
      Time to Breakeven29 days427 days
    2020 COVID-19 Crash
      % Loss-46.0%-33.7%
      % Gain to Breakeven85.3%50.9%
      Time to Breakeven569 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-22.0%-19.2%
      % Gain to Breakeven28.2%23.8%
      Time to Breakeven60 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-17.8%-17.9%
      % Gain to Breakeven21.6%21.8%
      Time to Breakeven65 days123 days

    Compare to NEWT, ATLO, FITB, MTB, HBAN

    In The Past

    CNB Financial's stock fell -21.3% during the 2025 US Tariff Shock. Such a loss loss requires a 27.1% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventCCNES&P 500
    2025 US Tariff Shock
      % Loss-21.3%-18.8%
      % Gain to Breakeven27.1%23.1%
      Time to Breakeven140 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-29.7%-6.7%
      % Gain to Breakeven42.3%7.1%
      Time to Breakeven228 days31 days
    2020 COVID-19 Crash
      % Loss-46.0%-33.7%
      % Gain to Breakeven85.3%50.9%
      Time to Breakeven569 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-22.0%-19.2%
      % Gain to Breakeven28.2%23.8%
      Time to Breakeven60 days105 days
    2010 Eurozone Sovereign Debt Crisis / Flash Crash
      % Loss-32.4%-15.4%
      % Gain to Breakeven47.8%18.2%
      Time to Breakeven185 days125 days
    2008-2009 Global Financial Crisis
      % Loss-33.3%-53.4%
      % Gain to Breakeven50.0%114.4%
      Time to Breakeven78 days1085 days

    Compare to NEWT, ATLO, FITB, MTB, HBAN

    In The Past

    CNB Financial's stock fell -21.3% during the 2025 US Tariff Shock. Such a loss loss requires a 27.1% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About CNB Financial (CCNE)

    CNB Financial Corporation (CCNE) operates as the holding company for CNB Bank, providing a comprehensive range of banking products and services. It caters to a diverse clientele, including individual consumers, businesses, governmental bodies, and institutional customers. The company primarily focuses on traditional banking activities, serving the financial needs within its operating communities.

    The core of CNB's business involves accepting various deposit accounts, such as checking, savings, and time deposits, while also extending a broad portfolio of loans. Its lending offerings span real estate, commercial, industrial, residential, and consumer loans. Furthermore, CNB provides specialized financial services through its wealth and asset management division, which oversees the administration of trusts and estates, retirement and employee benefit plans, and offers a range of wealth management services.

    In addition to its central banking and wealth management functions, CNB Financial invests in debt and equity securities, sells non-proprietary annuities and other insurance products, and offers small balance unsecured and secured loans, often collateralized by automobiles and equipment. The company maintains an extensive footprint with 45 full-service offices across Pennsylvania, Ohio, New York, and Virginia, supplemented by a private banking division and several loan production offices.

    AI Analysis | Feedback

    • Like a mini-KeyCorp, providing banking, lending, and wealth management services to businesses and individuals in its specific regional markets.
    • A community-focused PNC Bank for its markets in Pennsylvania, Ohio, New York, and Virginia, offering a full range of personal and business financial services.

    AI Analysis | Feedback

    • Deposit Accounts: The company offers various types of deposit accounts, including checking, savings, and time deposits, for individuals, businesses, and institutions.
    • Lending Services: CNB Financial provides a wide range of loans, such as real estate, commercial, industrial, residential, consumer, small balance unsecured, and secured loans.
    • Wealth and Asset Management: This service includes the administration of trusts, estates, retirement plans, employee benefit plans, and general wealth management for clients.
    • Insurance and Annuities: The company sells nonproprietary annuities and various other insurance products to its customers.

    AI Analysis | Feedback

    CNB Financial (CCNE) primarily sells its banking products and services to a broad base of customers rather than a few major companies. Based on the company description, its customer base can be categorized as follows:

    1. Individual Customers: This includes individuals seeking checking, savings, and time deposit accounts, residential and consumer loans, wealth management services, and other personal financial products.
    2. Business Customers: This encompasses commercial and industrial clients, ranging from small businesses to larger enterprises, seeking various types of loans (commercial, industrial, equipment), deposit accounts, and employee benefit plan administration.
    3. Governmental and Institutional Customers: This category includes government entities and other institutions that utilize CNB Bank for their banking, deposit, and specialized financial service needs.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Michael D. Peduzzi
    President and Chief Executive Officer

    Mr. Peduzzi joined CNB Bank as President and Chief Operating Officer in August 2021 and assumed the role of President and Chief Executive Officer of CNB Bank in July 2022. He possesses over 35 years of experience in banking and financial services, having previously served as Senior Executive Vice President and Chief Financial Officer of another Pennsylvania community bank. He is a Certified Public Accountant (CPA) licensed in Pennsylvania and is a member of both the American Institute of Certified Public Accountants (AICPA) and the Pennsylvania Institute of Certified Public Accountants (PICPA).

    Tito L. Lima
    Senior Executive Vice President, Chief Financial Officer & Treasurer

    Mr. Lima serves as the Senior Executive Vice President, Chief Financial Officer, and Treasurer for CNB Financial Corporation.

    Richard L. Greslick, Jr.
    Senior Executive Vice President, Chief Operating Officer

    Mr. Greslick joined CNB Bank permanently after graduating college in 1998 and completed the Bank's Management Training program in April 1999. He has held various positions within the bank, including Finance Assistant/Purchasing Manager and Banking Officer/Controller. He holds a Bachelor of Science in Accounting from Indiana University of Pennsylvania.

    Leanne D. Kassab
    Senior Executive Vice President, Chief Experience Officer

    Ms. Kassab began her career at CNB Bank in 1996 as a Marketing Assistant. Over the years, she has held diverse roles, including Executive Vice President of Client Experience, before transitioning to her current position in 2021. From 2013 to 2015, she also served as Senior Risk Officer for CNB Financial Corporation's Enterprise Risk Management (ERM) program. Ms. Kassab earned a Bachelor of Science in Marketing from Indiana University of Pennsylvania.

    Martin T. Griffith
    Senior Executive Vice President, Chief Revenue Officer

    Mr. Griffith joined CNB Bank in 2016 and has been appointed as Senior Executive Vice President and Chief Revenue Officer for CNB Bank. He previously held roles as the founding President of the BankOnBuffalo division and Chief Banking Officer. Mr. Griffith has been instrumental in the commercial loan growth success of CNB Bank.

    AI Analysis | Feedback

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    Key Risks to CNB Financial (CCNE)

    1. Integration Risk from ESSA Bancorp Acquisition: CNB Financial faces significant risks related to the integration of ESSA Bancorp, Inc., acquired in July 2025. This acquisition has led to immediate impacts on financial statements, including integration costs that drove down GAAP earnings in Q3 2025 and an increase in nonperforming assets. Managing this integration, especially within a challenging interest rate environment, is a core challenge that has affected capital metrics and created a short-term drag on earnings. The acquisition is described as a "transformative" event that could materially impact CNB's earnings profile, cost structure, and market footprint, with execution risk on the merger identified as a major concern.
    2. Interest Rate Volatility and Margin Compression: As a financial institution, CNB Financial is susceptible to broader banking sector risks, particularly margin compression due to interest rate volatility. The net profit margin has already experienced a notable dip, with a contraction to 18.8% in Q3 2025 from 22.6% in the prior year. Changes in interest rates can adversely affect the company's financial position and results of operations. Economic conditions and interest rate volatility are consistently highlighted as key risks for the company.
    3. Credit Risk and Loan Quality Deterioration: CNB Financial faces inherent credit risks associated with its lending activities, including the potential for loan quality deterioration. There is an ongoing need to monitor nonperforming assets and evaluate exposure to specific industries within its commercial real estate portfolio, such as office, hospitality, and multifamily properties. An economic recession in the markets served could lead to decreased loan demand and an increased number of borrowers defaulting on their loans, which would negatively impact the company's business, financial condition, and results of operations.
    ```

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    Clear Emerging Threats to CNB Financial (CCNE):

    • Disruption from Digital-First Banks and Fintech Platforms: The rise of challenger banks (neobanks) and various fintech companies that offer core banking services entirely through digital channels (mobile apps, web platforms) poses a significant threat. These platforms often provide checking, savings, lending (consumer, mortgage, small business), and payment services with potentially lower fees, higher interest rates on deposits, faster processing times, and superior digital user experiences compared to traditional brick-and-mortar banks like CNB. This directly threatens CNB's ability to attract and retain customers for deposits and loans, especially among younger and digitally native demographics.
    • Competition from Automated and Online Wealth Management Services: The proliferation of robo-advisors and other digital wealth management platforms offers automated, lower-cost investment, retirement planning, and financial advisory services. These technology-driven solutions compete directly with CNB's traditional wealth and asset management services, including the administration of trusts, estates, and retirement plans, by providing accessible alternatives that may appeal to clients seeking lower fees, passive investment strategies, or convenient digital access to financial guidance.

    AI Analysis | Feedback

    For CNB Financial (symbol: CCNE), the addressable markets for their main products and services in their operating regions are as follows:

    Banking Services

    • Deposits:
      • Ohio: Approximately $100.83 billion (Total Deposits for FDIC-insured institutions, 2024)
      • Pennsylvania: null
      • New York: null
      • Virginia: null

    Lending Services

    • null

    Wealth and Asset Management Services

    • null

    Insurance Products

    • Pennsylvania:
      • Total Direct Written Premium: Approximately $46.89 billion (All Lines of Business, 2024)
      • Health Premium: Approximately $60.27 billion (2024)
    • Ohio:
      • Property & Casualty (P&C) Premiums: $23.4 billion (2023)
    • New York:
      • Property and Casualty (P&C) Insurance Premiums: $45.2 billion (2022)
      • Life Insurance Premiums: More than $281 billion (from supervised companies, 2023)
      • Accident and Health Insurance Premiums: $62.4 billion (from regulated insurers, 2023)
    • Virginia:
      • Accident and Health Insurance Market: Approximately $42.11 billion (2024)

    AI Analysis | Feedback

    Expected Drivers of Future Revenue Growth for CNB Financial (CCNE)

    Over the next 2-3 years, CNB Financial (CCNE) is expected to drive future revenue growth through several key strategic initiatives and market dynamics:
    1. Strategic Acquisitions and Market Expansion: A significant driver of revenue growth is the completed acquisition of ESSA Bancorp, Inc., on July 23, 2025. This transformative acquisition substantially increased CNB Financial's total assets, loan portfolio, and deposit base, while expanding its geographic footprint into Northeastern Pennsylvania and the Lehigh Valley. This expansion is anticipated to yield continued revenue growth through an enlarged market presence and operational efficiencies.
    2. Growth in Net Interest Income (NII) and Net Interest Margin (NIM): CNB Financial projects sustained revenue growth through the expansion of its Net Interest Income and Net Interest Margin. This growth is expected to be propelled by continued strong commercial loan growth and demand, coupled with favorable earning asset yields and diligent management of interest-bearing liabilities.
    3. Organic Deposit Growth: The company places a strong emphasis on fostering organic deposit growth, particularly in non-interest-bearing deposits. This focus on attracting retail accounts and cultivating treasury/municipal relationships is crucial for strengthening its funding base, thereby improving profitability and enabling further loan expansion.
    4. Expansion and Performance of Specialized Banking Divisions: Leveraging its multi-brand operating model, which encompasses divisions such as FCBank, BankOnBuffalo, Ridge View Bank, Private Banking, and Impressia Bank, CNB Financial aims for ongoing organic growth. This strategy involves catering to distinct client needs and strategically extending the reach of these specialized divisions, including through an enhanced online presence for certain offerings like Impressia Bank.

    AI Analysis | Feedback

    Share Repurchases

    • CNB Financial initiated a stock repurchase program on June 13, 2024, authorizing the repurchase of up to 500,000 shares of common stock, with a value not exceeding $15 million, to continue through May 14, 2025.
    • An equity buyback plan was announced on July 1, 2025.

    Share Issuance

    • On July 23, 2025, CNB Financial completed an all-stock acquisition of ESSA Bancorp, issuing approximately 8,359,430 shares of its common stock, valued at about $202.5 million, as consideration.
    • Shareholders approved the proposal to issue shares of common stock in connection with the ESSA Bancorp merger on April 15, 2025.

    Outbound Investments

    • CNB Financial completed the acquisition of ESSA Bancorp in an all-stock deal for approximately $202.6 million on July 23, 2025.
    • This acquisition added 20 branches in Northeastern Pennsylvania and the Lehigh Valley, expanding CNB's market presence.
    • The ESSA Bancorp acquisition added approximately $2.1 billion in assets and $1.5 billion in deposits to CNB Financial.

    Capital Expenditures

    • CNB Financial's last 12-month Capital Expenditure (as of March 14, 2026) was ($10.3M), experiencing a year-over-year decrease of 36.8% and a 3-year compound annual growth rate of -5.7%.
    • Expected material cash requirements for 2025 and beyond include capital expenditures related to the Corporation's strategic initiatives.
    • The company has been investing in automation and digital service tools to expand delivery channels and improve internal efficiency.

    Peer Outperformance in Regional Banks

    CCNE has outperformed 53% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 7th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that CCNE has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    69%
    of 288 industry peers · 33.9% return
    3Y
    66%
    of 277 industry peers · 110.0% return
    5Y
    53%
    of 264 industry peers · 71.6% return
    null
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is CCNE's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 24.2%70.6%133.7% SPNT 170% · RGA 154% · RNR 140%
    Investment Banking & Brokerage 13 -1.7%105.1%116.5% IBKR 527% · SNEX 257% · HOOD 183%
    Diversified Banks 12 27.5%129.8%116.3% CM 161% · JPM 159% · RY 149%
    Life & Health Insurance 20 8.6%57.6%105.8% JXN 534% · UNM 373% · FG 207%
    Multi-Sector Holdings 4 6.8%50.2%87.3% JONE 361% · VOYA 88% · BRK-B 87%
    Property & Casualty Insurance 42 9.6%67.5%67.8% ASIC 2760900% · HRTG 445% · UVE 331%
    Regional Banks ← 265 23.9%91.7%67.1% ESQ 391% · GCBC 340% · VBNK 335%
    Multi-line Insurance 9 8.8%71.2%64.1% GNW 201% · L 112% · SLF 104%
    Financial Exchanges & Data 15 -0.1%17.4%32.7% VIRT 184% · CBOE 135% · CME 83%
    Diversified Financial Services 4 -7.3%22.1%32.6% FRHC 168% · EQH 119% · TMS -54%
    Consumer Finance 30 1.7%89.6%26.9% ENVA 447% · EZPW 319% · FCFS 168%
    Insurance Brokers 16 -15.1%-6.3%20.3% LIFE 200% · ARX 87% · AJG 70%
    Commercial & Residential Mortgage Finance 14 -50.2%32.8%13.9% FNMA 454% · FMCC 436% · ACT 204%
    Asset Management & Custody Banks 84 -11.7%17.6%12.0% WT 348% · SII 279% · VCTR 274%
    Specialized Finance 3 14.0%42.2%-2.8% EFC 27% · CACC -3% · HASI -16%
    Mortgage REITs 33 -13.0%7.4%-16.5% NREF 53% · RITM 42% · DX 34%
    Transaction & Payment Processing Services 15 -1.0%-5.9%-42.9% V 74% · MA 73% · CPAY 58%
    Diversified Capital Markets 20 -36.3%20.7%-48.1% OPY 196% · LPLA 136% · GOLD 90%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Peer Comparisons

    Peers to compare with:

    Financials

    CCNENEWTATLOFITBMTBHBANMedian
    NameCNB Fina.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Mkt Price34.1511.5631.9152.91227.3115.8833.03
    Mkt Cap1.00.30.348.233.232.116.6
    Rev LTM3292777310,4909,8239,6835,006
    Op Inc LTM-------
    FCF LTM86-740212,8963,5952,6831,384
    FCF 3Y Avg65-373173,3423,4942,3831,224
    CFO LTM89-739223,6653,8043,0621,576
    CFO 3Y Avg74-373193,9123,7042,6211,348

    Growth & Margins

    CCNENEWTATLOFITBMTBHBANMedian
    NameCNB Fina.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Rev Chg LTM42.5%7.8%21.3%23.8%4.7%26.1%22.6%
    Rev Chg 3Y Avg15.4%26.8%8.1%7.4%0.9%9.1%8.6%
    Rev Chg Q43.7%7.0%18.5%45.3%4.1%46.4%31.1%
    QoQ Delta Rev Chg LTM8.7%1.7%4.3%10.6%1.0%10.2%6.5%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM27.1%-267.4%30.3%34.9%38.7%31.6%31.0%
    CFO/Rev 3Y Avg28.9%-138.6%30.2%43.8%39.2%32.1%31.2%
    FCF/Rev LTM26.0%-267.5%28.9%27.6%36.6%27.7%27.7%
    FCF/Rev 3Y Avg24.9%-138.7%27.9%37.6%37.0%29.3%28.6%

    Valuation

    CCNENEWTATLOFITBMTBHBANMedian
    NameCNB Fina.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Mkt Cap1.00.30.348.233.232.116.6
    P/S3.01.23.94.63.43.33.3
    P/Op Inc-------
    P/EBIT-------
    P/E10.45.012.320.610.913.411.6
    P/CFO11.2-0.412.813.28.710.510.9
    Total Yield11.8%29.1%10.9%7.5%11.9%10.6%11.3%
    Dividend Yield2.2%9.3%2.8%2.7%2.7%3.2%2.7%
    FCF Yield 3Y Avg10.9%-103.1%8.9%10.9%11.8%9.5%10.2%
    D/E0.31.70.10.40.50.70.5
    Net D/E-0.80.6-1.7-0.9-0.70.0-0.7

    Returns

    CCNENEWTATLOFITBMTBHBANMedian
    NameCNB Fina.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    1M Rtn1.5%-7.7%1.2%-3.5%-4.8%-5.8%-4.1%
    3M Rtn6.8%-15.8%9.1%1.0%1.6%-4.9%1.3%
    6M Rtn25.9%6.1%21.4%21.7%16.3%7.2%18.9%
    12M Rtn33.9%0.1%59.4%18.7%15.7%-6.9%17.2%
    3Y Rtn110.0%-5.8%110.4%124.6%97.5%72.9%103.8%
    1M Excs Rtn2.2%-7.5%3.5%-3.0%-5.7%-5.9%-4.3%
    3M Excs Rtn4.8%-17.8%7.1%-1.0%-0.4%-6.9%-0.7%
    6M Excs Rtn9.4%-12.3%4.2%7.3%1.6%-9.1%2.9%
    12M Excs Rtn20.5%-13.5%45.8%3.2%1.8%-21.9%2.5%
    3Y Excs Rtn31.4%-84.7%32.6%46.2%26.4%-0.3%28.9%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/5/20265/6/20263/11/202611/5/20258/7/20255/7/20253/6/202511/6/20248/7/20245/1/20243/7/202411/1/2023
    Key Financials Quarterly            
    Total Revenue868285766056585754535654
    Net Income28273471411151413131414
    EPS0.920.881.110.220.610.500.670.610.570.550.620.60
    Key Financials TTM            
    Total Revenue TTM329303277250231225222220217217218221
    Net Income TTM968266485453555353545860
    Growth Rates Quarterly            
    Total Revenue Growth43.7%46.7%46.3%33.4%11.6%5.2%3.5%6.3%-0.5%-2.2%-4.2%-4.9%
    Net Income Growth102.8%135.5%123.4%-49.5%7.7%-8.9%7.8%1.7%-6.3%-23.6%-12.0%-17.4%
    Margins Quarterly            
    Net Income Margin32.8%33.0%39.6%9.2%23.3%20.6%26.0%24.4%24.1%23.8%24.9%25.5%
    Cash & Debt            
    Total Cash1,0241,164943816949967912740691650564518
    Total Debt262313313331145145146145142143143143
    Net Debt / (Cash)-762-851-630-484-803-821-766-595-549-507-421-375
    Cash Flows Quarterly            
    FCF from Operations37192672012222610121813
    Cash Flows TTM            
    FCF from Operations TTM897365618071726754554755
    Returns to Shareholders Quarterly            
    Dividends665544444444
    Share Repurchases-01-00-00-000002
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking Segment282227223224189
    Total282227223224189


    Net Income by Segment
    $ Mil2025202420232022
    Banking Segment66555863
    Total66555863


    Assets by Segment
    $ Mil20252024
    Banking Segment8,3966,192
    Total8,3966,192


    Price Behavior

    Price Behavior
    Market Price$34.15 
    Market Cap ($ Bil)1.0 
    First Trading Date05/30/1996 
    Distance from 52W High-3.9% 
       50 Days200 Days
    DMA Price$34.28$30.30
    DMA Trendupup
    Distance from DMA-0.4%12.7%
     3M1YR
    Volatility19.7%24.0%
    Downside Capture7.4945.00
    Upside Capture41.4571.47
    Correlation (SPY)3.6%28.7%
    CCNE Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.340.220.050.360.550.81
    Up Beta0.93-0.11-0.360.000.480.77
    Down Beta-0.72-0.70-0.40-0.050.470.81
    Up Capture-22%43%57%72%61%69%
    Bmk +ve Days10213268138427
    Stock +ve Days9213570126375
    Down Capture76%78%15%53%58%92%
    Bmk -ve Days11213259113324
    Stock -ve Days12212955121370

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CCNE
    CCNE36.5%24.2%1.22-
    Sector ETF (XLF)4.5%14.6%0.0849.8%
    Equity (SPY)16.9%12.9%0.9428.7%
    Gold (GLD)19.1%29.3%0.60-1.6%
    Commodities (DBC)46.3%20.6%1.73-22.2%
    Real Estate (VNQ)4.9%13.6%0.1039.6%
    Bitcoin (BTCUSD)-30.6%44.3%-0.7011.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CCNE
    CCNE10.6%28.8%0.36-
    Sector ETF (XLF)10.1%18.4%0.4159.3%
    Equity (SPY)12.9%17.2%0.5743.8%
    Gold (GLD)19.1%18.8%0.83-4.6%
    Commodities (DBC)11.2%19.5%0.453.7%
    Real Estate (VNQ)1.1%18.8%-0.0542.3%
    Bitcoin (BTCUSD)12.5%52.5%0.4215.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with CCNE
    CCNE8.1%35.5%0.31-
    Sector ETF (XLF)12.9%22.1%0.5365.3%
    Equity (SPY)15.1%18.0%0.7250.9%
    Gold (GLD)12.1%16.4%0.61-6.7%
    Commodities (DBC)8.3%18.1%0.3713.0%
    Real Estate (VNQ)4.4%20.7%0.1846.8%
    Bitcoin (BTCUSD)62.6%66.2%1.0214.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.7 Mil
    Short Interest: % Change Since 81520265.6%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest5.2 days
    Basic Shares Quantity29.4 Mil
    Short % of Basic Shares2.4%

    Returns Analyses

    Earnings Returns History

    Updated 8/25/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20262.2%3.2%-0.2%
    4/20/2026-3.5%-0.6%-3.5%
    1/27/2026-0.8%5.8%9.2%
    10/30/20251.7%1.1%8.9%
    7/22/20252.8%-0.4%6.1%
    4/14/2025-0.4%4.1%9.0%
    1/28/20250.9%0.0%-2.0%
    10/21/20246.5%9.2%15.9%
    ...
    SUMMARY STATS   
    # Positive141716
    # Negative1078
    Median Positive1.9%3.2%9.1%
    Median Negative-1.8%-1.0%-2.7%
    Max Positive6.5%11.0%18.1%
    Max Negative-6.2%-2.4%-8.6%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/23/20262.2%3.2%-0.2%
    4/20/2026-3.5%-0.6%-3.5%
    1/27/2026-0.8%5.8%9.2%
    10/30/20251.7%1.1%8.9%
    7/22/20252.8%-0.4%6.1%
    4/14/2025-0.4%4.1%9.0%
    1/28/20250.9%0.0%-2.0%
    10/21/20246.5%9.2%15.9%
    7/18/20241.9%11.0%-1.7%
    4/15/2024-2.9%0.9%5.5%
    1/23/20244.2%5.2%-6.5%
    10/23/20231.0%3.8%17.7%
    7/20/2023-1.5%1.5%-4.5%
    4/17/2023-3.8%-0.4%-8.6%
    1/19/2023-0.4%-1.1%3.3%
    10/18/2022-1.1%-2.4%2.3%
    7/19/20221.5%2.5%13.4%
    4/18/20225.1%4.4%0.6%
    1/24/20220.3%-1.0%-2.0%
    10/25/20212.0%3.1%14.1%
    7/20/20210.5%1.3%9.1%
    4/19/2021-2.2%3.1%1.7%
    1/26/2021-6.2%-1.1%9.4%
    10/20/20204.4%9.5%18.1%
    SUMMARY STATS   
    # Positive141716
    # Negative1078
    Median Positive1.9%3.2%9.1%
    Median Negative-1.8%-1.0%-2.7%
    Max Positive6.5%11.0%18.1%
    Max Negative-6.2%-2.4%-8.6%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/05/202610-Q
    03/31/202605/06/202610-Q
    12/31/202503/11/202610-K
    09/30/202511/05/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/07/202510-Q
    12/31/202403/06/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/07/202410-Q
    03/31/202405/01/202410-Q
    12/31/202303/07/202410-K
    09/30/202311/01/202310-Q
    06/30/202308/02/202310-Q
    03/31/202305/03/202310-Q
    12/31/202203/03/202310-K
    09/30/202211/02/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/05/202610-Q
    03/31/202605/06/202610-Q
    12/31/202503/11/202610-K
    09/30/202511/05/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/07/202510-Q
    12/31/202403/06/202510-K
    09/30/202411/06/202410-Q
    06/30/202408/07/202410-Q
    03/31/202405/01/202410-Q
    12/31/202303/07/202410-K
    09/30/202311/01/202310-Q
    06/30/202308/02/202310-Q
    03/31/202305/03/202310-Q
    12/31/202203/03/202310-K
    09/30/202211/02/202210-Q
    06/30/202208/04/202210-Q
    03/31/202205/05/202210-Q
    12/31/202103/03/202210-K
    09/30/202111/04/202110-Q
    06/30/202108/05/202110-Q
    03/31/202105/06/202110-Q
    12/31/202003/04/202110-K
    09/30/202011/05/202010-Q
    06/30/202008/06/202010-Q
    03/31/202005/07/202010-Q
    12/31/201903/05/202010-K
    09/30/201911/06/201910-Q

    Insider Activity

    Updated 8/5/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Peduzzi, Michael DPresident & CEODirectBuy805202635.371,10038,9081,995,572Form
    2Mink, RobinEVP/Chief TM Officerby 401k PlanSell617202630.531043,162102,177Form
    3Pontzer, Deborah Dick DirectSell501202630.552447,4541,254,114Form
    4Higgins, Carla MSVP/Strategic Project ManagerDirectSell428202630.451,30039,58577,283Form
    5Peduzzi, Michael DPresident & CEODirectBuy427202630.351,00030,3501,678,901Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Peduzzi, Michael DPresident & CEODirectBuy805202635.371,10038,9081,995,572Form
    2Mink, RobinEVP/Chief TM Officerby 401k PlanSell617202630.531043,162102,177Form
    3Pontzer, Deborah Dick DirectSell501202630.552447,4541,254,114Form
    4Higgins, Carla MSVP/Strategic Project ManagerDirectSell428202630.451,30039,58577,283Form
    5Peduzzi, Michael DPresident & CEODirectBuy427202630.351,00030,3501,678,901Form
    6Scott, Nicholas N JR DirectBuy316202627.0537510,1441,035,176Form
    7Mink, RobinEVP/Chief TM OfficerDirectSell223202627.701443,989186,620Form
    8Shilling, Steven REVP/Chief Wealth Mngt OfficerDirectSell223202627.703138,670354,588Form
    9Wilcoxson, Angela DEVP/Chief Commercial BankingDirectSell223202627.703299,113285,457Form
    10Griffith, Martin TSEVP/Chief Revenue OfficerDirectSell223202627.7053514,820468,047Form
    11Powell, Jeffrey S DirectBuy202202627.2897526,5983,744,262Form
    12Peduzzi, Michael DPresident & CEODirectBuy130202627.3090024,5701,200,818Form
    13Olson, Gary S DirectSell1212202527.7525,000693,7501,465,422Form
    14Henning, Daniel J DirectSell1208202526.804,374117,2231,366,961Form
    15Peduzzi, Michael DPresident & CEODirectBuy1107202524.631,10027,0931,061,208Form
    16Andersen, Anna KSVP & Chief Risk OfficerSpouseBuy814202523.544298912,758Form
    17Powell, Jeffrey S DirectBuy812202523.361,24529,0833,179,389Form
    18Powell, Jeffrey S DirectBuy812202522.5748010,8343,043,768Form

    Investor Activity (13F)

    Updated Sep 21, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$13.3 Mil2.8%35Hold13F
    Active Manager
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$13.3 Mil2.8%35Hold13F

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    Core Cache Last Updated: 9/20/2026