CNB Financial Corporation
- Open
- 33.53
- Day high
- 33.84
- Day low
- 33.42
- Prev close
- 33.82
- Volume
- 8K
- Mkt cap
- $1.0B
- P/E (TTM)
- 10.8
- EPS (TTM)
- $3.13
- P/B
- 1.1
- P/S
- 2.1
- Yield
- 1.65%
- Per share
- $0.56
- ▲Insiders net buying $36K over the last 3 months (1 open-market buy, 1 sale)
- 🏛Institutions accumulating (13F)
CNB Financial Corporation (CCNE) is a Financial Services company listed on NASDAQ. The stock is up 29% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 1 sale (SEC Form 4).
CNB Financial Corporation (CCNE) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CCNE earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Aug 6, 2026 | $0.86 | $0.91 | +6.1% | $89M | +3.1% |
| Apr 20, 2026 | $0.82 | $0.88 | +7.3% | $84M | -0.8% |
| Mar 11, 2026 | — | $1.14 | — | $112M | — |
| Oct 30, 2025 | $0.78 | $0.82 | +5.1% | $76M | +1.2% |
| Jul 22, 2025 | $0.58 | $0.63 | +8.6% | $57M | -17.0% |
| Apr 14, 2025 | $0.53 | $0.57 | +7.5% | $57M | +11.2% |
| Jan 28, 2025 | $0.54 | $0.66 | +22.2% | $58M | +18.3% |
| Jul 18, 2024 | $0.51 | $0.56 | +9.8% | $54M | +13.9% |
| Apr 15, 2024 | $0.50 | $0.55 | +10.0% | $53M | +14.7% |
| Jan 23, 2024 | $0.54 | $0.62 | +14.8% | $56M | +2.9% |
| Jul 20, 2023 | $0.64 | $0.61 | -4.7% | $54M | +14.5% |
| Apr 17, 2023 | $0.74 | $0.73 | -1.4% | $54M | +8.1% |
CCNE insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 5, 2026 | Peduzzi Michael Ddirector, officer: President & CEO | Buy | 1,100 | $35.37 |
| Jun 17, 2026 | Mink Robinofficer: EVP/Chief TM Officer | Sell | 104 | $30.53 |
| May 1, 2026 | PONTZER DEBORAH DICKdirector | Sell | 244 | $30.55 |
| Apr 28, 2026 | Higgins Carla M.officer: SVP/Strategic Project Manager | Sell | 1,300 | $30.45 |
| Apr 27, 2026 | Peduzzi Michael Ddirector, officer: President & CEO | Buy | 1,000 | $30.35 |
| Mar 16, 2026 | Scott Nicholas N. Jr.director | Buy | 375 | $27.05 |
| Feb 23, 2026 | LIMA TITO Lofficer: SEVP/CFO | Grant | 1,485 | $27.70 |
| Feb 23, 2026 | Koptchak Heather J.officer: SVP/Chief ofEmployee Resources | Grant | 445 | $27.70 |
| Feb 23, 2026 | Griffith Martin T.officer: SEVP/Chief Revenue Officer | Grant | 1,485 | $27.70 |
| Feb 23, 2026 | Noah Michael Jofficer: EVP/Chief Operating Officer | Grant | 519 | $27.70 |
| Feb 23, 2026 | Wilcoxson Angela D.officer: EVP/Chief Commercial Banking | Grant | 1,113 | $27.70 |
| Feb 23, 2026 | Wilcoxson Angela D.officer: EVP/Chief Commercial Banking | Sell | 329 | $27.70 |
| Feb 23, 2026 | Griffith Martin T.officer: SEVP/Chief Revenue Officer | Sell | 535 | $27.70 |
| Feb 23, 2026 | Peduzzi Michael Ddirector, officer: President & CEO | Grant | 4,015 | $27.70 |
| Feb 23, 2026 | Shilling Steven Rofficer: EVP/Chief Wealth Mngt Officer | Sell | 313 | $27.70 |
Source: CCNE SEC Form 4 filings, latest Aug 5, 2026. For informational purposes only — not investment advice.
See the full CCNE insider & 13F page →CNB Financial Corporation company profile
Overview
CNB Financial Corporation (NASDAQ:CCNE) is a regional bank holding company founded in 1865 and headquartered in Clearfield, Pennsylvania. The company operates through its primary subsidiary CNB Bank, providing traditional banking services across Pennsylvania, Ohio, New York, and Virginia. With over 150 years of history, CNB has evolved from a local community bank into a regional financial institution with 45 full-service offices, maintaining its focus on serving individual, business, governmental, and institutional customers in its geographic footprint.
Business
CNB Financial operates in the regional banking industry, which serves as an intermediary between depositors and borrowers within specific geographic markets. Regional banks like CNB typically focus on relationship-based banking, offering more personalized service than large national banks while providing broader capabilities than small community banks. The company's core business revolves around traditional banking services through CNB Bank. This includes accepting various types of deposits from customers - such as checking accounts (used for daily transactions), savings accounts (for storing money while earning modest interest), and time deposit accounts or certificates of deposit (which lock in funds for specific periods at higher interest rates). On the lending side, CNB provides real estate loans (for property purchases), commercial and industrial loans (for business operations and expansion), residential mortgages (for home purchases), and consumer loans (for personal needs like automobiles). Beyond traditional banking, CNB operates several complementary business segments. The company offers wealth and asset management services, which includes administering trusts and estates (managing assets for beneficiaries), retirement plans (helping businesses and individuals save for retirement), and other employee benefit plans. These services typically generate fee-based income and serve higher-net-worth clients. CNB also maintains an insurance and investment division that sells nonproprietary annuities and other insurance products. Additionally, the bank provides specialized lending services including small balance unsecured loans and secured loans primarily collateralized by automobiles and equipment. The company operates a private banking division for affluent clients and maintains loan production offices to originate loans in markets where it doesn't have full-service branches.
Competitive moat
CNB Financial's competitive moat is relatively modest, typical of regional banks operating in competitive markets. The company's primary defensive characteristics stem from its established customer relationships and local market presence across Pennsylvania, Ohio, New York, and Virginia. Regional banks like CNB benefit from relationship banking, where long-term customer connections, local decision-making, and personalized service can create switching costs for depositors and borrowers. The bank's 150+ year operating history and local market knowledge provide some advantages in credit underwriting and customer acquisition. Small and medium-sized businesses often prefer working with regional banks that understand local economic conditions and can make lending decisions locally rather than through distant corporate headquarters. However, CNB faces significant competitive pressures that limit its moat strength. Large national banks can offer more competitive rates, broader product suites, and superior digital banking platforms due to their scale advantages. Credit unions often provide better rates to members, while fintech companies are disrupting traditional banking services with more convenient digital offerings. The banking industry's commodity-like nature means that deposits and loans are largely standardized products, making differentiation challenging. CNB's geographic concentration, while providing local expertise, also creates vulnerability to regional economic downturns. The company lacks the scale to invest heavily in technology infrastructure compared to larger competitors. Regulatory barriers do provide some protection by making new bank formation difficult and expensive, but this same regulation also increases compliance costs disproportionately for smaller institutions. Overall, while CNB maintains a stable local franchise, its moat is narrow and faces ongoing pressure from both traditional and non-traditional competitors.
Risks & safety
CNB Financial demonstrates solid financial stability with manageable risk levels typical of well-run regional banks. • Liquidity position: Strong cash position of $443 million (7% of total assets) provides substantial liquidity cushion • Debt levels: Moderate debt-to-equity ratio of 0.24x indicates conservative leverage • Profitability: Consistent profitability with 2024 net income of $54.6 million and ROE of 8.9% • Capital adequacy: Book value per share growth and price-to-book ratio of 0.85x suggests adequate capitalization • Valuation metrics: Trading at reasonable P/E ratio of 9.5x and EV/EBITDA of 2.7x (when available) • Cash generation: Positive operating cash flow of $71.5 million and free cash flow of $55.2 million in 2024 • Asset quality: Large loan portfolio ($4.8+ billion) requires monitoring for credit losses, though no immediate red flags apparent • Interest rate risk: Regional banks face margin pressure from rate changes, but CNB's consistent performance suggests competent management
Recent development
Based on the available financial data, CNB Financial has maintained steady operational performance over recent years while navigating a challenging interest rate environment. The bank has demonstrated consistent profitability with net income ranging from approximately $54-63 million annually between 2022-2024, showing resilience despite economic uncertainties. The company has maintained a conservative balance sheet approach with stable debt levels and strong liquidity positions. Cash and short-term investments have fluctuated significantly, from over $400 million in recent quarters to lower levels in mid-2024, likely reflecting active balance sheet management in response to interest rate changes and loan demand patterns. CNB's asset base has grown steadily, expanding from $5.5 billion in 2022 to over $6.2 billion by end-2024, indicating successful business development and market expansion within its geographic footprint. This growth appears to be organically driven rather than through major acquisitions. The bank has maintained its multi-state presence across Pennsylvania, Ohio, New York, and Virginia, continuing to operate 45 full-service offices along with specialized divisions for private banking and loan production. The geographic diversification provides some protection against localized economic downturns while maintaining the regional focus that defines its market strategy. Revenue has remained relatively stable in the $218-222 million range annually, suggesting steady core business performance despite interest rate volatility that has challenged many regional banks during this period.
CCNE company profile · for informational purposes only — not investment advice.
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