CNB FINANCIAL CORP/PA

CCNE

NasdaqSmall CapFinancials

13F Pro Quality Score

66.3/100

Rank #428 of 2,961 stocksTOP 25%

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

83.5/100

Profitability

91.7/100

Balance Sheet

47.1/100

Earnings Quality

28.4/100

Free Cash Flow

79.4/100

Institutional Flow

57.8/100

Revenue Scale

31.1/100

Dilution Risk

58.2/100

Price Chart

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What's Driving CCNE's Business? Latest 10-Q Breakdown

31/31 datapoints verified

AI-extracted from the 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income available to common shareholders more than doubled to $27.2M ($0.91 diluted EPS) from $12.9M ($0.61) a year ago, as net interest income rose 46% YoY to $76.3M on the ESSA acquisition and legacy loan growth.

Biggest Revenue Drivers

Net interest income$76.3M+46% YoY

Increase due to the impact of the acquisition of ESSA and growth in the Corporation's legacy loan portfolio

Non-interest income$11.3M+25% YoY

Increase primarily driven by wealth and asset management fees, card processing and interchange income, and higher service charges on deposits

Biggest Revenue Drivers

Total revenue: $87.6M+43% YoY

Net interest income$76.3M+46% YoY

Increase due to the impact of the acquisition of ESSA and growth in the Corporation's legacy loan portfolio

Non-interest income$11.3M+25% YoY

Increase primarily driven by wealth and asset management fees, card processing and interchange income, and higher service charges on deposits

Within Non-interest income

Wealth and asset management fees$2.7M+29% YoY

Card processing and interchange income$2.8M+23% YoY

Largest Expense Items

Compensation and benefits$22.7M+17% YoY

Higher personnel costs associated with the ESSA acquisition

Technology expense$7.2M+32% YoY

Software licensing expenses and higher core system volume-based fees tied to the ESSA acquisition

Other non-interest expenses$7.7M+44% YoY

Other operating costs associated with the ESSA acquisition

Net occupancy expense$5.1M+26% YoY

Occupancy and facilities costs associated with the ESSA acquisition

Margins: Net interest margin (fully tax-equivalent) rose to 3.89% from 3.59% a year ago, aided by $4.8M of purchase accounting loan accretion (ex-accretion NIM was 3.65%); the efficiency ratio improved to 57.86% from 64.73% as revenue growth outpaced expense growth.

Watch Items from the Filing

Nonaccrual loans rose to $54.8M (0.84% of total loans) from $39.8M (0.61%) at December 31, 2025, driven primarily by two commercial relationships.
Estimated uninsured deposits were approximately $2.1 billion, or 28.83% of total Bank deposits (about 18.73% adjusted for affiliate and pledged-collateral deposits).
Organic loans (excluding syndicated) decreased $2.9 million year-to-date due to elevated CRE prepayments, including $71.4M of ESSA-acquired CRE payoffs and a $40.0M BankOnBuffalo office loan payoff.
Syndicated loan portfolio grew to $93.9M (1.44% of total loans) from $70.8M (1.09%) at December 31, 2025.
Corporation redeemed $50.0M of subordinated notes in June 2026, reducing the Total risk-based capital ratio to 14.53% from 14.78% at year-end 2025.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →