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what it is
CNB Financial runs a $8.25B-asset bank that takes deposits, makes loans, and sells wealth and insurance services.
how it gets paid
Last year Cnb Finl made $392M in revenue.
why it's growing
Revenue grew 239.5% last year. Revenue rose 38% vs. prior year. The lender kept growing the top line while earnings stayed steady.
what just happened
Quarterly revenue hit $116M, and EPS held at $0.66.
At a glance
B+ balance sheet — decent shape, but not bulletproof
85/100 earnings predictability — you can trust these numbers
13.7x trailing p/e — the market's not buying it — or you found a deal
2.8% dividend yield — cash in your pocket every quarter
$2.39 fy2024 eps est
xvary composite: 66/100 — average
What they do
CNB Financial runs a $8.25B-asset bank that takes deposits, makes loans, and sells wealth and insurance services.
You hand over your deposits, and CNB turns $6.90B of them into $6.40B of loans. Spread means the extra it earns on loans after paying for deposits. So what: that gap is the whole business, and a $804M market cap is leaning on a $8.25B balance sheet.
How they make money
$392M
annual revenue · their business grew +239.5% last year
total revenue
$392M
+239.5%
The products that matter
traditional lending spread
Net interest income
$312M · 79.6% of revenue
this is the core engine. it makes up 79.6% of revenue, which means your investment case rises or falls with loan yields, deposit costs, and credit discipline.
main profit driver
fees and banking services
Non-interest income
$80M · 20.4% of revenue
this $80M bucket matters because fee income is less rate-sensitive than lending spread income. at 20.4% of revenue, it helps, but it does not run the story.
stability buffer
local deposit distribution
Branch network
75 branches · post-ESSA
the ESSA deal expanded the network to 75 branches. that's useful for local deposit gathering, but it also means more systems, more people, and more integration work.
execution test
Key numbers
$8.25B
assets
That is the balance sheet you are backing, and it is huge next to an $804M market cap.
$6.90B
deposits
Deposits fund the lending engine, and this pile is bigger than the loan book.
$6.40B
loans
Loans are where CNB tries to earn more than it pays for deposits.
2.8%
yield
The dividend pays you while you wait, at $0.72 a year per share.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 70 / 100
- long-term debt $120M (13% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CCNE right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue hit $116M, and EPS held at $0.66.
Revenue rose 38% vs. prior year. The lender kept growing the top line while earnings stayed steady.
$116M
revenue
$0.66
eps
n/a
n/a
the number that mattered
The $116M quarter matters because it shows CNB still has growth even with a plain bank model.
source: company earnings report, 2025
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What could go wrong
the #1 risk is ESSA acquisition integration across a newly enlarged 75-branch bank.
high
ESSA integration risk
The deal is why revenue is estimated at $392M instead of the old run rate. If cost saves disappoint, customers leave, or loan quality gets messier during the handoff, the headline growth rate stops looking impressive fast.
240% revenue growth is acquisition-driven, so the same deal that made the story can break it.
med
interest-rate sensitivity
Net interest income is $312M, or 79.6% of revenue. That means funding costs and loan yields still drive most of the business. When that spread narrows, earnings usually follow.
This exposes most of the $392M revenue base to margin pressure.
med
regional concentration
You own a Pennsylvania-focused bank with 75 branches, not a diversified national lender. If local credit conditions weaken, both loan quality and deposit growth can soften at the same time.
Local exposure is the business model, which means local weakness matters more here than it would at a megabank.
The ESSA deal turned CCNE into a $392M revenue bank with 75 branches. If integration stumbles, the very transaction that drove the 240% growth figure becomes the reason estimates get reset.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
post-deal revenue run-rate
Q2 2025 revenue was $98.5M before the full ESSA contribution. Your next test is whether the combined bank can hold or improve that quarterly base once the acquisition is fully reflected.
calendar
Q2 2026 earnings report
Expected late july 2026. This is where management needs to talk plainly about integration progress, not just celebrate bigger headline revenue.
risk
rate pressure on the core bank
With $312M of net interest income making up 79.6% of revenue, even small spread pressure matters. This is still a rate-sensitive bank wearing an M&A story on top.
trend
federal reserve transition
CNB Bank joined the Federal Reserve Bank of Philadelphia in feb 2026. On its own, that is not the story. Combined with an active integration, it adds one more moving part.
Analyst rankings
earnings predictability
85 / 100
in human-speak, analysts think this bank usually delivers numbers close to expectations.
risk rank
2
That places it in the safer part of the stock market. You are not buying chaos here — you are buying execution risk in a fairly traditional bank.
price stability
70 / 100
The stock has been steadier than most small caps. That matters if you want bank exposure without signing up for daily drama.
source: institutional data
Institutional activity
institutional ownership data for CCNE is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$27
current price
n/a
target midpoint · n/a from current
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