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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
CNB Financial Corporation is a regional bank holding company that provides commercial and consumer lending, deposit products, mortgage services and wealth management through its community banking franchise. Long-term growth may be supported by organic loan and deposit expansion in its markets, diversification of fee income from mortgage and wealth businesses, and selective branch or acquisition activity that could support scale. Investors may find the company attractive for its local deposit franchise and recurring interest and fee revenue streams.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 82.47M | 67.36M | 71.83M | 78.21M | 70.78M |
| Net income | 66.13M | 54.58M | 58.02M | 63.19M | 57.71M |
| Selling general administrative | 4.49M | 78.25M | 74.94M | 74.26M | 63.68M |
| Selling and marketing expenses | 2.82M | 2.54M | 3.13M | 2.89M | 2.08M |
| Gross profit | 245.70M | 212.79M | 212.15M | 219.62M | 189.38M |
| Reconciled depreciation | 10.91M | 8.27M | 7.12M | 6.57M | 0.11M |
| Ebit | 82.47M | 67.36M | 71.83M | 102.29M | 70.78M |
| Ebitda | 93.37M | 75.63M | 79.57M | 108.87M | 70.89M |
| Depreciation and amortization | 10.91M | 8.27M | 7.74M | 6.57M | 0.11M |
| Operating income | 82.47M | 67.36M | 71.83M | 102.29M | 70.78M |
| Other operating expenses | 322.40M | 292.65M | 250.18M | 7.06M | -118.60M |
| Interest expense | 150.31M | 138.00M | 103.87M | 24.08M | 19.82M |
| Tax provision | 16.33M | 12.78M | 14.64M | 15.03M | 13.07M |
| Interest income | 391.52M | 325.10M | 276.50M | 211.85M | 179.60M |
| Net interest income | 241.22M | 187.09M | 192.53M | 187.77M | 159.78M |
| Income tax expense | 16.33M | 12.78M | 13.81M | 15.03M | 13.07M |
| Total revenue | 404.86M | 360.01M | 322.01M | 219.62M | 189.38M |
| Total operating expenses | 163.23M | 145.43M | 140.32M | 7.06M | -118.60M |
| Cost of revenue | 159.16M | 147.22M | 109.86M | - | - |
| Total other income expense net | - | -251.35M | 71.83M | -24.08M | -19.82M |
| Net income from continuing ops | 66.13M | 54.58M | 59.92M | 63.19M | 57.71M |
| Net income applicable to common shares | - | - | - | 58.89M | 53.41M |
| Preferred stock and other adjustments | - | - | - | -4.30M | -4.30M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 8396.43M | 6192.01M | 5752.96M | 5475.18M | 5328.94M |
| Intangible assets | 33.69M | 1.46M | 1.83M | 0.36M | 0.46M |
| Other current assets | - | - | 224.16M | -9.62M | 3023.86M |
| Total liab | 7524.31M | 5581.31M | 5181.71M | 4944.42M | 4886.09M |
| Total stockholder equity | 872.13M | 610.70M | 571.25M | 530.76M | 442.85M |
| Other current liab | -7.40M | 5371.36M | 1529.32M | -183.67M | -45.03M |
| Capital stock | 57.78M | 57.78M | 57.78M | 57.78M | 57.78M |
| Retained earnings | 424.94M | 381.30M | 345.94M | 306.91M | 260.58M |
| Other liab | - | - | - | 47.35M | 66.19M |
| Good will | 54.82M | 43.87M | 43.87M | 43.75M | 43.75M |
| Other assets | 1218.71M | 925.49M | - | 4002.80M | 3025.52M |
| Cash | 78.20M | 443.04M | 222.05M | 106.28M | 732.20M |
| Total current liabilities | 164.00M | 5371.36M | 1531.97M | 183.67M | 45.03M |
| Net debt | 253.09M | -297.53M | -117.16M | 130.69M | -627.92M |
| Short term debt | 171.40M | - | 2.66M | 132.40M | 0.00M |
| Short long term debt | 164.00M | 0.00M | - | 132.40M | - |
| Short long term debt total | 331.29M | 145.50M | 104.89M | 236.98M | 104.28M |
| Other stockholder equity | 420.07M | 215.19M | 213.60M | 218.59M | 124.87M |
| Property plant equipment | - | - | - | 100.84M | 81.59M |
| Total current assets | 7089.21M | 846.54M | 224.16M | 539.83M | 1470.07M |
| Long term investments | 837.33M | 785.08M | 740.22M | 785.79M | 707.56M |
| Net tangible assets | - | - | - | 429.23M | 340.85M |
| Short term investments | 584.33M | 403.51M | 341.95M | 381.02M | 697.19M |
| Net receivables | 6426.69M | 4561.60M | 4422.64M | 62.13M | 40.68M |
| Long term debt | 105.49M | 105.19M | 104.89M | 104.58M | 104.28M |
| Inventory | - | - | -4367.85M | 4231.74M | 0.71M |
| Accounts payable | - | - | - | 51.27M | 45.03M |
| Accumulated other comprehensive income | -30.66M | -43.57M | -46.08M | -52.52M | -0.39M |
| Preferred stock total equity | - | - | - | 57.78M | 57.78M |
| Retained earnings total equity | - | - | - | 306.91M | 260.58M |
| Treasury stock | - | - | - | - | -2.48M |
| Non currrent assets other | -6851.52M | 227.47M | 319.27M | 1.80M | -833.35M |
| Non current assets total | 88.51M | 5345.47M | 5528.80M | 932.55M | 833.35M |
| Capital lease obligations | 43.75M | 40.31M | 37.65M | 33.73M | 21.16M |
| Long term debt total | - | - | - | 104.58M | 104.28M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 197.11M | -203.28M | -435.56M | -776.70M | -382.67M |
| Change to liabilities | - | - | - | 17.02M | 5.60M |
| Total cashflows from investing activities | 27.64M | -203.28M | -149.46M | -804.70M | -409.76M |
| Net borrowings | -273.00M | 0.00M | -132.40M | 132.40M | -50.00M |
| Total cash from financing activities | -7.77M | 352.76M | 218.20M | 114.73M | 550.34M |
| Change to operating activities | - | - | - | 19.57M | 7.79M |
| Net income | 66.13M | 54.58M | 58.02M | 63.19M | 57.71M |
| Change in cash | 84.86M | 220.99M | 115.76M | -625.91M | 199.50M |
| Begin period cash flow | 443.04M | 222.05M | 106.28M | 732.20M | 532.69M |
| End period cash flow | 527.90M | 443.04M | 222.05M | 106.28M | 732.20M |
| Total cash from operating activities | 64.98M | 71.51M | 47.02M | 64.05M | 58.92M |
| Issuance of capital stock | - | 0.00M | 0.00M | 94.05M | 0.00M |
| Depreciation | 10.91M | 8.27M | 7.74M | 6.57M | 6.24M |
| Other cashflows from investing activities | -132.31M | -145.89M | -191.97M | -15.71M | -20.61M |
| Dividends paid | 22.49M | 19.21M | 19.00M | -16.86M | -15.85M |
| Change to inventory | - | - | 14.19M | - | - |
| Change to account receivables | 1.81M | 0.39M | -5.89M | -19.07M | -1.06M |
| Sale purchase of stock | -0.33M | -0.64M | -6.72M | -1.67M | -1.16M |
| Other cashflows from financing activities | 288.06M | 372.61M | 376.31M | 39.21M | 617.36M |
| Change to netincome | - | - | - | -6.97M | 3.14M |
| Capital expenditures | 6.33M | 16.28M | 10.97M | 12.29M | 6.48M |
| Cash flows other operating | - | - | - | -12.75M | -11.82M |
| Cash and cash equivalents changes | - | - | - | -625.91M | 199.50M |
| Change in working capital | -9.99M | 7.86M | -20.09M | 0.51M | 6.73M |
| Stock based compensation | 2.67M | 2.23M | 1.74M | 1.33M | 1.49M |
| Other non cash items | -9.80M | -0.23M | -1.50M | -5.73M | -11.55M |
| Free cash flow | 59.79M | 55.23M | 36.05M | 51.76M | 52.44M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CCNE CNB Financial Corporation |
0.05 0.14% |
35.60 | 10.42 | 10.12 | 3.24 | 1.07 | 4.00 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.02 0.44% |
231.03 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.34 1.02% |
33.58 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Joseph B. Bower Jr. | Pres, CEO & Director | 1964 |
| Mr. Tito L. Lima | Exec. VP, CFO & Treasurer | 1965 |
| Mr. Richard L. Greslick Jr. | Sr. Exec. VP, COO & Director | 1977 |
| Mr. Martin T. Griffith | Sr. EVP & Chief of Community Banking | 1963 |
| Mr. Michael D. Peduzzi CPA, CPA | VP & Director | 1966 |
| Amy Potter | VP of Marketing | NA |
| Ms. Leanne D. Kassab | Sr. Exec. VP & Chief Experience Officer | 1968 |
| Ms. Mary Ann Conaway | Exec. VP of Employee Resources | 1962 |
| Mr. Vincent C. Turiano | Assistant Sec. & Exec. VP of Operations | 1951 |
| Mr. Steven R. Shaffner Shilling | Exec. VP of Private Client Solutions | 1971 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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Communication Services
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Consumer Cyclical
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Consumer Defensive
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Financial Services
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