What is the 13F Pro Quality Score for CCNE?

13F Pro ranks CNB FINANCIAL CORP/PA (CCNE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CCNE's current score at https://13fpro.ai/company/CCNE (free sign-up required for the full ranking).

Where does 13F Pro source CCNE data?

All CNB FINANCIAL CORP/PA fundamentals and ownership data come directly from SEC EDGAR. CNB FINANCIAL CORP/PA files with the SEC under CIK 736772. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CCNE in?

CNB FINANCIAL CORP/PA (CCNE) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives CCNE's revenue?

Per CNB FINANCIAL CORP/PA's latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net interest income ($76.3M, +46% YoY); Non-interest income ($11.3M, +25% YoY); Wealth and asset management fees ($2.7M, +29% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CCNE.

What are CCNE's largest expenses?

CNB FINANCIAL CORP/PA's latest 10-Q reports these as the largest expense items: Compensation and benefits ($22.7M, +17% YoY); Technology expense ($7.2M, +32% YoY); Other non-interest expenses ($7.7M, +44% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is CCNE research updated on 13F Pro?

CCNE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CNB FINANCIAL CORP/PA(CCNE)Stock Analysis

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13F Pro Quality Score

66.3/100

Rank #428 of 2,961 stocksTOP 25%

View Financials peers →

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

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Why CCNE Scores 66/100

exact factor attribution · 2026-09-11

CCNE's composite is driven by revenue growth and profitability, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.9 pts

84th pct

Profitability

+8.3 pts

92th pct

Free cash flow

+4.4 pts

79th pct

Earnings growth

+2.1 pts

82th pct

Shareholder dilution

+0.6 pts

58th pct

Institutional flow

+0.5 pts

58th pct

Capital efficiency

-0.4 pts

47th pct

Earnings quality

-2.2 pts

28th pct

Scale

-3.8 pts

31th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CCNE Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CNB FINANCIAL CORP/PA (CCNE), a Financials sector company. 13F Pro's AI-powered ranking engine scores CCNE at 66.3/100 on a 32-signal composite quality model, placing it at rank #428 of 2,961 stocks — the top 25% of the AI-ranked universe. CCNE scores in the top quartile across profitability (91.7), revenue growth (83.5), free cash flow (79.4). Areas of concern include earnings quality (28.4) and revenue scale (31.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), CNB FINANCIAL CORP/PA reports quarterly revenue of $87.6M, net income of $28.3M, an operating margin of 40.1%. Top institutional holders of CCNE by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, BlackRock, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. CCNE trades on the Nasdaq exchange and files with the SEC under CIK 736772. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CCNE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CNB FINANCIAL CORP/PA directly from SEC EDGAR. CNB FINANCIAL CORP/PA's 13F Pro composite quality score has ranged between 35 and 66 since 2026, currently 66.3 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

✦

Fun facts about CNB FINANCIAL CORP/PA

Quirks, history, and lore behind CCNE — the kind of stuff that makes a stock memorable.

1
The Basics
A community banking company · small-cap · listed on Nasdaq · headquartered in Pennsylvania.
2
The Numbers
Total assets in the range of $6–7 billion — big enough to matter, small enough that Wall Street barely notices. Net interest income is the engine.
3
The History
Traces its roots back over a century in north-central Pennsylvania, steadily expanding through organic growth and acquisitions into a multi-state regional presence.
4
The Secret
Operates through its subsidiary County National Bank, offering the full suite of commercial, retail, and wealth management services you'd expect from a quietly ambitious regional bank.
5
The Lore
It's spread its branches across Pennsylvania, Ohio, and Virginia — the kind of footprint that says 'we're not staying in one county forever,' despite what the name implies.
6
The Giveaway
Its ticker spells out its ambition: CCNE — standing for the bank that grew from Clearfield County, Pennsylvania into a multi-state community banking holdout in an era of megabank consolidation.

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

✓ 31/31 datapoints verified

AI-extracted from CNB FINANCIAL CORP/PA's 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 →Share on X

Revenue

Q2 2026

$87.6M

Net Income

Q2 2026

$28.3M

Free Cash Flow

Q2 2026

$36.0M

Operating Margin

Q2 2026

40.1%

ROIC

Q2 2026

12.7%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+24.5% YoY

$282.2MFY 2025

FY22 $224.4MFY23 $223.2MFY24 $226.6MFY25 $282.2M

Net Income

+21.2% YoY

$66.1MFY 2025

FY22 $63.2MFY23 $58.0MFY24 $54.6MFY25 $66.1M

EPS (Diluted)

+4.2% YoY

$2.49FY 2025

FY22 $3.26FY23 $2.55FY24 $2.39FY25 $2.49

Total Assets

+35.6% YoY

$8.40BFY 2025

FY22 $5.48BFY23 $5.75BFY24 $6.19BFY25 $8.40B

Total Debt

+194.3% YoY

$248.9MFY 2025

FY22 $216.4MFY23 $84.3MFY24 $84.6MFY25 $248.9M

Op. Cash Flow

-9.1% YoY

$65.0MFY 2025

FY22 $64.1MFY23 $47.0MFY24 $71.5MFY25 $65.0M

Free Cash Flow

+6.2% YoY

$58.7MFY 2025

FY22 $51.8MFY23 $36.2MFY24 $55.2MFY25 $58.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$282.2M +24.5%	$226.6M +1.5%	$223.2M -0.6%	$224.4M +16.2%	$193.2M +18.7%	$162.8M
Net Income	$66.1M +21.2%	$54.6M -5.9%	$58.0M -8.2%	$63.2M +9.5%	$57.7M +76.2%	$32.7M
EPS (Diluted)	$2.49 +4.2%	$2.39 -6.3%	$2.55 -21.8%	$3.26 +3.2%	$3.16 +60.4%	$1.97
Total Assets	$8.40B +35.6%	$6.19B +7.6%	$5.75B +5.1%	$5.48B +2.7%	$5.33B +12.7%	$4.73B
Total Debt	$248.9M +194.3%	$84.6M +0.4%	$84.3M -61.1%	$216.4M +158.6%	$83.7M +18.5%	$70.6M
Operating Cash Flow	$65.0M -9.1%	$71.5M +52.1%	$47.0M -26.6%	$64.1M +8.7%	$58.9M +104.9%	$28.8M
Free Cash Flow	$58.7M +6.2%	$55.2M +52.7%	$36.2M -30.1%	$51.8M -1.3%	$52.4M +126.9%	$23.1M

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Available Research

13F Pro tracks comprehensive data for CNB FINANCIAL CORP/PA including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CCNE

WELLINGTON MANAGEMENT GROUP LLP
$81.7M2,424,759 sh
BlackRock, Inc.
$78.0M2,314,194 sh
DIMENSIONAL FUND ADVISORS LP
$52.7M1,562,773 sh
VANGUARD CAPITAL MANAGEMENT LLC
$42.4M1,258,510 sh
Davis Asset Management, L.P.
$32.0M950,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$31.8M942,210 sh
STATE STREET CORP
$30.7M909,863 sh
AMERICAN CENTURY COMPANIES INC
$27.6M819,910 sh
Stieven Capital Advisors, L.P.
$14.7M434,673 sh
MALTESE CAPITAL MANAGEMENT LLC
$14.2M422,100 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$81.7M	2,424,759
BlackRock, Inc.	$78.0M	2,314,194
DIMENSIONAL FUND ADVISORS LP	$52.7M	1,562,773
VANGUARD CAPITAL MANAGEMENT LLC	$42.4M	1,258,510
Davis Asset Management, L.P.	$32.0M	950,000
GEODE CAPITAL MANAGEMENT, LLC	$31.8M	942,210
STATE STREET CORP	$30.7M	909,863
AMERICAN CENTURY COMPANIES INC	$27.6M	819,910
Stieven Capital Advisors, L.P.	$14.7M	434,673
MALTESE CAPITAL MANAGEMENT LLC	$14.2M	422,100

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Is CCNE a good stock to buy?

13F Pro's AI-powered analysis of CNB FINANCIAL CORP/PA (CCNE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CCNE are available on the CCNE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CCNE is classified as a small company.

Which hedge funds own CCNE?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CCNE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CNB FINANCIAL CORP/PA's investment landscape.