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CNB Financial CCNE Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$87.2MBeat by $2.4M
EPS$0.88Beat by $0.11
Revenue estimate$84.8M
EPS estimate$0.77

Next report

Oct 29, 2026 (in 3 months)
Revenue estimate$88.4M
EPS estimate$0.89

Financials

Q4 2025

Income statement

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Revenue$86.4M+45.5%
Net income$20.7M+37.4%
EPS (diluted)$0.660.0%

Balance sheet

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Cash & equivalents$527.9M+19.2%
Total debt$310.7M+122%
Total equity$872.1M+42.8%
Total assets$8.4B+35.6%

Cash flow

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Operating cash flow$26.1M+17.4%
CapEx$129.0K-96.2%
Free cash flow$26.0M+37.8%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$771.39M+47.8%
Enterprise value$554.17M+153%
P/E11.7×+2.1×
P/S2.7×+0.4×

Profitability

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Net margin23.4%-0.7pp
FCF margin20.8%-3.6pp

Returns & leverage

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Return on equity8.9%-0.3pp
Debt / equity0.4×+0.1×

FAQ

When did CNB Financial report Q4 2025 earnings?
CNB Financial (CCNE) reported Q4 2025 earnings on January 27, 2026 before market open.
What were CNB Financial's Q4 2025 revenue and EPS?
CNB Financial reported revenue of $87.2M and eps of $0.88 for Q4 2025.
Did CNB Financial beat estimates in Q4 2025?
Revenue beat the consensus estimate of $84.8M by $2.4M. EPS beat the consensus estimate of $0.77 by $0.11.
How did CNB Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 50.2% from $58.0M a year earlier and eps grew 33.3% from $0.66.
Where can I find CNB Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000736772-26-000009) and the 10-K periodic report (0000736772-26-000031) directly on SEC EDGAR. The filing index links above go to sec.gov.