CNB Financial
Operates CNB Bank and local divisions across Pennsylvania, Ohio, New York, and Virginia.
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Profile
Runs a community-banking franchise through CNB Bank, taking deposits, making commercial, real estate, residential, and consumer loans, and offering wealth and treasury services. The model keeps financial-service operations aggregated for segment reporting while using local division brands in Pennsylvania, Ohio, New York, and Virginia.
Provides banking and related services through CNB Bank, the 1865 Clearfield lineage now organized as a Pennsylvania financial holding company. Core services include checking, savings, and time deposits; commercial, real estate, residential, and consumer loans; treasury services; private banking; and wealth and asset management.
Uses local-market division brands rather than separate reportable businesses. CNB Bank, ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, ESSA Bank, and Impressia Bank cover markets in Pennsylvania, Ohio, New York, and Virginia, while Holiday Financial Services adds small-balance consumer finance.
Execution depends on community relationships, branch and digital service, credit discipline, and integration of acquired markets such as ESSA. The business is shaped by bank regulation, deposit competition, loan demand, and credit conditions in its regional footprint.
Company facts
Categories
Key statistics
Year to date +32.0% · Average volume (30d) 152.9K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 26, 2026 | Raymond James | Initiate | Outperform | $39 | |
| Jul 27, 2026 | DA Davidson | Reiterate | Neutral | $34 | $36 |
| May 15, 2026 | D.A. Davidson | Target | $34 | ||
| Feb 11, 2026 | Stephens | Target | $35 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.86 | $0.91 | +6.1% | $85.9M | $88.5M | +3.1% | +2.21% |
| Apr 20, 2026Q1 FY26 | $0.82 | $0.88 | +7.3% | $84.7M | $84.1M | −0.8% | −3.49% |
| Jan 27, 2026Q4 FY25 | $0.77 | $0.88 | +14.3% | $84.8M | $87.2M | +2.8% | −0.78% |
| Oct 30, 2025Q3 FY25 | $0.78 | $0.82 | +5.1% | $75.5M | $76.4M | +1.2% | +1.65% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $89.7M | $93.5M | $117.9M | $112.5M | $112.0M | $127.0M | |
| Gross profit | $54.2M | $55.6M | $57.9M | $86.7M | $73.3M | $85.9M | |
| Operating income | $14.3M | $17.3M | $9.1M | $41.8M | $23.1M | $35.2M | |
| Net income | $11.5M | $14.0M | $7.0M | $33.6M | $27.0M | $28.3M | |
| Diluted EPS | $0.49 | $0.62 | $0.20 | $1.10 | $0.88 | $0.92 | |
| Gross margin | 60.4% | 59.5% | 49.1% | 77.1% | 65.4% | 67.6% | |
| Operating margin | 16.0% | 18.4% | 7.7% | 37.2% | 20.7% | 27.7% |
Fiscal years (4-quarter sums)FY21 $209.2M · FY22 $243.7M · FY23 $322.0M · FY24 $360.0M · FY25 $413.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $86.6M · Total debt $280.3M · Total assets $8.43B · Shareholders' equity $909.4M
Dividends
Raised for 26 straight years — most recently to $0.19 from $0.18 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 15 | $0.19 | |
| Feb 27, 2026 | Feb 27 | Mar 13 | $0.19 | raised from $0.18 |
| Nov 28, 2025 | Nov 28 | Dec 12 | $0.18 | |
| Aug 29, 2025 | Aug 29 | Sep 12 | $0.18 | |
| May 30, 2025 | May 30 | Jun 13 | $0.18 | |
| Feb 28, 2025 | Feb 28 | Mar 14 | $0.18 | |
| Nov 29, 2024 | Nov 29 | Dec 13 | $0.18 | |
| Aug 30, 2024 | Aug 30 | Sep 13 | $0.18 | raised from $0.175 |
Ownership
Shares outstanding 29.62M · Float 28.50M · 96.2% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Wellington Management Group LLP | 2.42M | 8.19% | 13F | Aug 14, 2026 |
| BlackRock, Inc. | 2.31M | 7.81% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 1.56M | 5.28% | 13F | Aug 11, 2026 |
| Vanguard Capital Management LLC | 1.26M | 4.25% | 13F | Aug 13, 2026 |
| Davis Asset Management, L.P. | 950.0K | 3.21% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 5, 2026 | Michael D. Peduzzi | director, officer: President & CEO | +1,100 | $35.37 |
| Jun 4, 2026 | Robin Mink | officer: EVP/Chief TM Officer | −104 | $30.53 |
| Apr 30, 2026 | Deborah Dick Pontzer | director | −244 | $30.55 |
| Apr 27, 2026 | Carla M. Higgins | officer: SVP/Strategic Project Manager | −1,300 | $30.45 |
| Apr 24, 2026 | Michael D. Peduzzi | director, officer: President & CEO | +1,000 | $30.35 |
Peers
- F.N.B.
Broad PA/OH/VA rival in commercial, retail, and wealth banking
- First Commonwealth Financial
Direct PA/OH community-bank rival with similar product breadth
- Northwest Bancshares
PA/NY/OH retail and commercial banking peer with wealth overlap
- S&T Bancorp
Western PA/OH bank peer across deposits, loans, cash management
- Community Financial System
NY/Northeast PA banking peer with treasury and wealth overlap
- WesBanco
Multi-state OH/PA/VA banking peer with wealth and trust overlap
- M&T Bank
Large NY/PA/VA bank rival in commercial, deposits, and trust
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| CNB Financial | $34.01 | +0.12% | $1.01B | 11.0 | 9.5 | 2.1 | +55.7% |
| F.N.B. | $18.41 | −0.05% | $6.55B | 11.0 | 10.3 | 2.4 | +5.6% |
| First Commonwealth Financial | $20.85 | +0.05% | $2.12B | 12.8 | 11.2 | 3.4 | +6.5% |
| Northwest Bancshares | $15.34 | 0.00% | $2.25B | 14.9 | 10.9 | 2.7 | +21.2% |
| S&T Bancorp | $49.79 | −0.02% | $1.76B | 13.3 | 12.6 | 3.1 | +5.2% |
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Median | 12.8 | 11.2 | 2.8 | +6.3% |