Stocks · Financial Services · Banks - Regional
CNB Financial Corporation CCNE
$34.01 -0.26% Close, Oct 5, 2026 · NASDAQ · Market cap $1.01B
Strong growthStrong trend
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 40.9% in a year.
- Earnings beat analyst estimates in each of the last 12 quarters (average surprise over the last four: +8.2%).
- Revenue over the last four quarters was $469.4M, up 27.2% from a year earlier, accelerating from 19.7% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 15%
- EPS growth (TTM, YoY)Top 36%
- FCF growth (TTM, YoY)Top 44%
- Revenue growth, 3-year CAGRTop 37%
- Revenue growth accelerationTop 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 45%
- Gross marginBottom 50%
- Operating marginTop 46%
- Cash conversion (OCF / net income)Bottom 34%
- Accruals (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Bottom 46%
- Interest coverBottom 36%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 24%
- Free-cash-flow yieldTop 46%
- EBITDA / enterprise valueTop 29%
- Sales / enterprise valueTop 35%
- P/E vs own 5-year history (lower is better)Bottom 30%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 10%
- 6-month returnTop 29%
- 1-year return vs S&P 500Top 10%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 34%
- Consecutive EPS beatsTop 6%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetBottom 35%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 40%
- Maximum drawdown, 3 yearsBottom 45%
- Beta vs S&P 500 (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 46%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 19.7% | 27.2% | ↑ |
| EPS growth (YoY) | 20.7% | 30.3% | ↑ |
| Gross margin | 59.6% | 64.7% | ↑ |
| Operating margin | 18.3% | 23.3% | ↑ |
| FCF margin | 18.7% | 18.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 27.2% | 19.7% | ↑ | Top 15% |
| EPS growth (TTM, YoY) | 30.3% | 20.7% | ↑ | Top 36% |
| Gross margin | 64.7% | 59.6% | ↑ | Bottom 50% |
| Operating margin | 23.3% | 18.3% | ↑ | Top 46% |
| Net margin | 20.5% | 14.8% | ↑ | — |
| Free-cash-flow margin | 18.3% | 18.7% | ↓ | — |
| Return on invested capital | 1.0% | — | Bottom 45% | |
| Revenue growth, 3-year CAGR | 18.4% | — | Top 37% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.93×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.60×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.17%
- Net buyback yield (TTM)
- 0.05%
- Shareholder yield
- 2.22%
- Share count change, 1 year
- +40.9%
- Share count change, 3-year CAGR
- +12.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 12
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +8.2%
- Average 2-day reaction, last 8
- -0.6%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $37.67
- Target vs current price
- +10.8%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +6.1% | +0.6% | +5.4% | +0.3% | — |
| Apr 20, 2026 | +7.3% | -1.2% | -3.8% | -6.3% | +8.4% |
| Jan 27, 2026 | +14.3% | -0.1% | +4.4% | +7.7% | +11.6% |
| Oct 30, 2025 | +5.1% | -0.4% | +1.6% | +7.7% | +11.4% |
| Jul 22, 2025 | +8.6% | -0.7% | +1.1% | +5.2% | +3.8% |
| Apr 14, 2025 | +7.5% | +1.6% | +2.6% | +13.1% | +17.5% |
| Jan 28, 2025 | +22.2% | -0.7% | -2.1% | -2.5% | -15.1% |
| Oct 21, 2024 | +7.0% | -3.7% | +1.9% | +11.8% | -3.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.91 | $0.86 | +6.1% | $88.5M |
| Apr 20, 2026 | $0.88 | $0.82 | +7.3% | $84.1M |
| Jan 27, 2026 | $0.88 | $0.77 | +14.3% | $87.2M |
| Oct 30, 2025 | $0.82 | $0.78 | +5.1% | $76.4M |
| Jul 22, 2025 | $0.63 | $0.58 | +8.6% | $56.9M |
| Apr 14, 2025 | $0.57 | $0.53 | +7.5% | $56.9M |
| Jan 28, 2025 | $0.66 | $0.54 | +22.2% | $58.0M |
| Oct 21, 2024 | $0.61 | $0.57 | +7.0% | $57.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 9.2× | 76th | Top 24% |
| P/E (forward) | 9.6× | — | — | — |
| EV / EBITDA | 9.9× | — | — | Top 29% |
| EV / Sales | 2.56× | — | — | Top 35% |
| Free-cash-flow yield | 8.49% | — | — | Top 46% |
| Earnings yield | 9.11% | — | — | Top 24% |
P/E over the past five years
Range 5.9× – 12.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +44.0%
- Earnings per share growth (TTM)
- +30.3%
- Change in P/E multiple
- +25.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 241
- 50-day average slope (20 days)
- +0.2%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- -1.0%
- Distance from 200-day average
- +9.8%
- RSI (14)
- 50.2
- Relative volume
- 0.62×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.8%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.78
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -4.8%
- Maximum drawdown, 3 years
- -30.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 23, 2021 | May 31, 2023 | -41.8% | 380 days | 362 days (Nov 6, 2024) |
| Nov 6, 2024 | Apr 4, 2025 | -30.7% | 101 days | 214 days (Feb 11, 2026) |
| Mar 12, 2021 | Jul 8, 2021 | -15.5% | 81 days | 85 days (Nov 5, 2021) |
| Jan 14, 2021 | Jan 27, 2021 | -13.2% | 8 days | 17 days (Feb 22, 2021) |
| Oct 23, 2020 | Nov 6, 2020 | -11.0% | 10 days | 2 days (Nov 10, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.01B
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $3.10
- Revenue (TTM)
- $469.4M
- Dividend yield
- 2.21%
- 52-week range
- $22.80 – $36.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $209.2M | $243.7M | $322.0M | $360.0M | $404.9M |
| Gross profit | $183.4M | $211.0M | $212.1M | $212.8M | $245.7M |
| Operating income | $70.8M | $78.2M | $71.8M | $67.4M | $82.5M |
| Net income | $57.7M | $63.2M | $58.0M | $54.6M | $66.1M |
| EPS (diluted) | $3.16 | $3.26 | $2.55 | $2.39 | $2.51 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $93.0M | $92.7M | $89.7M | $93.5M | $117.9M | $112.5M | $112.0M | $127.0M |
| Net income | $14.0M | $15.1M | $11.5M | $14.0M | $7.0M | $33.6M | $27.0M | $28.3M |
| EPS (diluted) | $0.61 | $0.66 | $0.49 | $0.62 | $0.20 | $1.10 | $0.88 | $0.92 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $58.9M | $64.1M | $47.0M | $71.5M | $65.0M |
| Capital expenditure | -$6.5M | -$12.3M | -$11.0M | -$16.3M | -$6.3M |
| Free cash flow | $52.4M | $51.8M | $36.1M | $55.2M | $58.7M |
| Dividends paid | -$11.6M | -$12.6M | -$14.7M | -$14.9M | -$18.2M |
| Net share buybacks | -$1.2M | $92.4M | -$6.7M | -$643,000 | -$333,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $86.6M
- Total assets
- $8.43B
- Total liabilities
- $7.52B
- Total debt
- $280.3M
- Net debt
- $193.7M
- Shareholders’ equity
- $909.4M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.19 | Sep 15, 2026 |
| Jun 1, 2026 | $0.19 | Jun 15, 2026 |
| Feb 27, 2026 | $0.19 | Mar 13, 2026 |
| Nov 28, 2025 | $0.18 | Dec 12, 2025 |
| Aug 29, 2025 | $0.18 | Sep 12, 2025 |
| May 30, 2025 | $0.18 | Jun 13, 2025 |
| Feb 28, 2025 | $0.18 | Mar 14, 2025 |
| Nov 29, 2024 | $0.18 | Dec 13, 2024 |
Short interest
- Shares sold short
- 860,368
- Days to cover
- 6.01
- Change vs previous report
- +21.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 24, 2004
- 5-for-2
- May 1, 1998
- 2-for-1