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CNB FINANCIAL CORP/PA

CCNE

$34.65 ▼ -0.48 (-1.35%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CNB FINANCIAL CORP/PA shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $851.9M

Dividend Yield 2.08%

Revenue Growth 24.5% ↗

Op. Margin 29.2% →

ROIC None

FCF / Share None

Trailing P/E 13.9x

Price / Book 1.0x

FCF Yield —

Debt / Equity 0.29

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$282.20M

↑ +24.5% —

Net Income Profit after all expenses

$66.13M

↑ +21.2% —

Operating Margin Operating profit as % of sales

29.2%

↓ -1.7% 86th

Long-Term Debt Long-term obligations

$84.87M

— +0.4% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.72 Latest / share

+1.4% YoY

+0.9% 11-yr CAGR

$0.66

FY 2014

$0.66

FY 2015

$0.66

FY 2016

$0.66

FY 2017

$0.67

FY 2018

$0.68

FY 2019

$0.68

FY 2020

FY 2021

$0.70

FY 2022

$0.70

FY 2023

$0.71

FY 2024

$0.72

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	24.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+309%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-109%)	16.2% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+169%)	18.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+212%)	14.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+141%)	13.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+119%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	14.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+135%)	10.6% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	0.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-89%)	21.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+264%)	10.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+80%)	11.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	13.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+129%)	14.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+135%)	—	—
EPS Growth YoY (%)	4.6% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-6.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-21.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	3.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	60.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	40.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	24.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-6.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair → Fair Stable Year-over-year change in earnings per share Optimal: > 10%	16.0% Good Good Year-over-year change in earnings per share Optimal: > 10%	8.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	21.2% Good ↑ Good Improving Year-over-year change in net income	-5.9% Weak ↓ Weak Declining Year-over-year change in net income	-8.2% Weak ↓ Weak Declining Year-over-year change in net income	9.5% Fair ↓ Fair Declining Year-over-year change in net income	76.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-18.3% Weak ↓ Weak Declining Year-over-year change in net income	18.9% Good ↑ Good Improving Year-over-year change in net income	41.3% Excellent ↑ Excellent Improving Year-over-year change in net income	16.2% Good ↑ Good Improving Year-over-year change in net income	-7.5% Weak ↓ Weak Declining Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	38.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.7% Weak ↓ Weak Declining Year-over-year change in net income	13.5% Fair ↓ Fair Declining Year-over-year change in net income	33.5% Excellent Excellent Year-over-year change in net income	32.9% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.1% Good Good Compound annual revenue growth over 3 years	13.2% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.6% Good → Good Stable Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	14.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.5% Good → Good Stable Compound annual revenue growth over 5 years	11.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.6% Good Good Compound annual revenue growth over 5 years	14.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-8.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-8.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.1% Fair → Fair Stable Compound annual EPS growth over 3 years	7.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	12.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	22.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	3.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.2% Fair → Fair Stable Compound annual EPS growth over 3 years	6.8% Fair Fair Compound annual EPS growth over 3 years	12.1% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	29.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	29.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	32.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	34.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	36.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	24.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	34.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	32.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	32.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	28.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	34.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	36.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	23.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	24.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	26.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	28.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	20.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	28.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	21.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	24.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	26.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	22.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	21.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	8.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	10.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	11.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	13.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	9.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	11.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	11.8% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	12.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.41x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.12x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-90%)	0.98x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-18%)	1.20x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	2.09x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+74%)	1.77x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+48%)	0.19x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.08x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.81x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-32%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$11.48	$10.87	$10.68	$12.48	$11.49	$10.17	$9.38	$8.26	$7.46	$6.89	$6.24	$6.19	$5.67	$5.31	$4.80	$4.88	—	—
Basic EPS, GAAP (USD)	$2.50	$2.39	$2.56	$3.26	$3.16	$1.97	$2.63	$2.21	$1.57	$1.42	$1.54	$1.60	$1.29	$1.38	$1.23	$1.06	$0.98	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.72	$0.71	$0.70	$0.70	—	$0.68	$0.68	$0.67	$0.66	$0.66	$0.66	$0.66	$0.66	$0.66	$0.66	$0.66	$0.66	—
Book Value per Share (USD)	$35.47	$29.31	$27.33	$29.51	$26.33	$26.01	$20.11	$17.28	$16.12	$14.73	$14.08	$13.13	$12.80	$11.72	$10.75	$10.34	—	—
Tangible Book Value per Share (USD)	$31.88	$27.21	$25.23	$27.08	$23.73	$23.27	$17.56	$14.73	$13.56	$12.04	$12.19	$11.24	$10.69	$10.84	$9.86	$9.32	—	—
Basic Weighted Avg Shares (shares)	24.59M	20.84M	20.90M	17.99M	16.82M	16.00M	15.16M	15.21M	15.13M	14.38M	14.34M	14.36M	12.88M	12.40M	12.27M	10.60M	—	—
Dividend Payout Ratio (%)	28.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21677.2% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.3% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	42.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	46.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	42.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	41.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	51.2% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	47.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.7% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	67.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$84.87M	$84.57M	$84.27M	$83.96M	$83.66M	$50.00M	$298.53M	$315.74M	—	$307.62M	$241.13M	—	—	$118.43M	—	—	—	—
Total Equity (USD)	$872.13M	$610.70M	$571.25M	$530.76M	$442.85M	$416.14M	$304.97M	$262.83M	$243.91M	$211.78M	$201.91M	$188.55M	$164.91M	$145.36M	$131.89M	$109.64M	$69.41M	$62.47M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$282.20M	$226.58M	$223.16M	$224.43M	$193.21M	$162.77M	$142.17M	$125.64M	$112.94M	$98.98M	$89.51M	$88.92M	$72.97M	$65.87M	$58.85M	$51.74M	$45.35M	—
Depreciation Expense (USD)	$10.91M	$8.27M	$7.74M	$6.57M	$6.24M	$6.08M	$5.96M	$4.81M	$5.24M	$4.48M	$4.04M	$4.13M	$2.64M	$2.23M	$2.08M	$2.03M	$2.00M	—
Net Income, GAAP (USD)	$66.13M	$54.58M	$58.02M	$63.19M	$57.71M	$32.74M	$40.08M	$33.72M	$23.86M	$20.54M	$22.20M	$23.07M	$16.68M	$17.14M	$15.10M	$11.32M	$8.51M	—
Operating Cash Flow (USD)	$64.98M	$71.51M	$47.02M	$64.05M	$58.92M	$28.76M	$51.91M	$43.77M	$30.76M	$26.76M	$33.63M	$28.92M	$33.61M	$27.56M	$30.39M	$11.15M	$14.93M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	3.0%	3.3%	3.5%	3.0%	2.8%	3.1%	3.3%	3.3%	3.2%	3.3%	3.4%	2.8%	3.0%	3.0%	—	—	—
Efficiency Ratio (%) (%)	67.6%	66.2%	65.1%	61.3%	60.3%	65.9%	61.6%	63.1%	62.0%	67.8%	63.1%	59.3%	60.0%	54.6%	56.6%	61.5%	66.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

CNB FINANCIAL CORP/PA

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