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CNB Financial CCNE Business Segments — Card processing and interchange expenses

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Other financials

Income statement

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Revenue$87.6M+43.2%
Net income$28.3M+103%
EPS (diluted)$0.91+49.2%

Balance sheet

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Cash & equivalents$458.4M+7.8%
Total debt$259.7M+82.1%
Total equity$909.4M+42.7%
Total assets$8.4B+33.5%

Cash flow

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Operating cash flow$36.9M+82.4%
CapEx$922.0K-61.0%
Free cash flow$36.0M+101%

Valuation

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Market cap$1.03B+53.9%
Enterprise value$826.43M+115%
P/E10.7×-1.6×
P/S3.1×+0.2×

Profitability

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Net margin28.7%+5.6pp
FCF margin25.6%-3.6pp

Returns & leverage

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Return on equity12.4%+3.5pp
Debt / equity0.3×+0.1×

Where this comes from

Reported directly by CNB Financial in its filing.

Tagged under the XBRL concept ccne:CardProcessingAndInterchangeExpense.

The source filing: CNB Financial’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:07 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000736772-26-000075
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Legal, professional and examination fees1,7189972,4901,846
Advertising7285561,5161,070
FDIC insurance1,0219371,8281,922
Card processing and interchange expenses1,4701,2532,9772,413
Merger and integration costs3571,886
Other non-interest expenses7,7075,35813,58110,070
Total non-interest expenses50,70839,61799,89580,655
INCOME BEFORE INCOME TAXES35,16117,25068,29731,594

Item 1. Financial Statements

FAQ

What is CNB Financial's business segments — card processing and interchange expenses?
CNB Financial (CCNE) reported business segments — card processing and interchange expenses of $1.47M in Q2 2026.
How has CNB Financial's business segments — card processing and interchange expenses changed year-over-year?
CNB Financial's business segments — card processing and interchange expenses increased by 17.3% year-over-year, from $1.25M to $1.47M.
What is the long-term trend for CNB Financial's business segments — card processing and interchange expenses?
Over 3 years (2022 to 2025), CNB Financial's business segments — card processing and interchange expenses has grown at a 2.6% compound annual growth rate (CAGR), from $4.8M to $5.18M.
What does business segments — card processing and interchange expenses mean?
Captures the operational costs incurred to facilitate credit and debit card transactions, including network fees and third-party processing charges. This metric is essential for understanding the cost structure of the bank's payment services business.

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