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CNB Financial CCNE Business Segments — Net occupancy expense

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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 us-gaap:OccupancyNet.

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
Salaries16,67512,93333,61926,659
Incentive(153)1,5271,7363,295
Benefits6,1904,88812,3409,958
Net occupancy expense5,0854,03210,5348,070
Amortization of core deposit intangible1,016162,02133
Technology expense7,2055,46214,38610,840
State and local taxes2,0461,3012,8672,593
Legal, professional and examination fees1,7189972,4901,846

Item 1. Financial Statements

FAQ

What is CNB Financial's business segments — net occupancy expense?
CNB Financial (CCNE) reported business segments — net occupancy expense of $5.09M in Q2 2026.
How has CNB Financial's business segments — net occupancy expense changed year-over-year?
CNB Financial's business segments — net occupancy expense increased by 26.1% year-over-year, from $4.03M to $5.09M.
What is the long-term trend for CNB Financial's business segments — net occupancy expense?
Over 3 years (2022 to 2025), CNB Financial's business segments — net occupancy expense has grown at a 11.1% compound annual growth rate (CAGR), from $13.3M to $18.22M.
What does business segments — net occupancy expense mean?
Includes all costs related to the maintenance, rent, utilities, and depreciation of physical office locations and branch facilities. It serves as a measure of the overhead required to maintain a physical presence for customer service and operations.

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