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CNB Financial Corporation
CNB Financial Corporation (CCNE) investor relations material
CNB Financial Corporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income available to common shareholders was $32.6M ($1.10/diluted share) for Q4 2025, up from $6.0M ($0.22/share) in Q3 2025 and $14.0M ($0.66/share) in Q4 2024.
Adjusted Q4 2025 earnings (excluding merger and ASU 2025-08 impacts) were $25.8M ($0.87/share), up 14.74% from Q3 2025 and 84.78% from Q4 2024.
Full-year 2025 net income was $61.8M ($2.49/share); adjusted earnings were $73.4M ($2.95/share), up 46.06% from 2024.
Results reflect the impact of the ESSA Bancorp acquisition, higher net interest income, and increased non-interest expense.
Financial highlights
Q4 2025 net interest income was $74.3M, up 10.65% from Q3 2025 and 51.6% from Q4 2024.
Net interest margin (fully tax-equivalent) was 3.84% in Q4 2025, up from 3.69% in Q3 2025 and 3.43% in Q4 2024.
Total revenue for Q4 2025 was $86.4M, up from $77.7M in Q3 2025 and $59.4M in Q4 2024.
Non-interest income for Q4 2025 was $12.1M, up from $10.6M in Q3 2025.
Q4 2025 non-interest expense was $60.1M; excluding merger costs, it was $52.3M, up 13.66% from Q3 2025.
Provision for credit losses in Q4 2025 was a net reversal of $15.5M, mainly due to early adoption of ASU 2025-08.
Outlook and guidance
Management expects continued positive post-merger performance and economies of scale from the ESSA acquisition.
Strategic initiatives include optimizing the branch footprint and focusing on core franchise growth.
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Next CNB Financial Corporation earnings date
Q1 202615 Apr, 2026
CNB Financial Corporation
Next CNB Financial Corporation earnings date
Q1 202615 Apr, 2026
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Frequently asked questions
CNB Financial Corporation is a bank holding company. It operates primarily through its subsidiary, CNB Bank, providing a comprehensive range of banking services to individual, business, governmental, and institutional customers. The company's offerings include various deposit accounts like checking, savings, and time deposits. It also provides loans for real estate, commercial, industrial, residential, and consumer purposes. Additionally, CNB Financial offers private banking, wealth management, and asset management services, including the administration of trusts, estates, and retirement plans. The company is headquartered in Clearfield, Pennsylvania, and its shares are listed on the NASDAQ.
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