Free Trial

CNB Financial (CCNEP) Financials

CNB Financial logo
$23.88 -0.19 (-0.79%)
As of 04/17/2025 04:00 PM Eastern
This is a fair market value price provided by Polygon.io. Learn more.
Annual Income Statements for CNB Financial

Annual Income Statements for CNB Financial

This table shows CNB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
59 54 50
Consolidated Net Income / (Loss)
63 58 55
Net Income / (Loss) Continuing Operations
63 58 55
Total Pre-Tax Income
78 72 67
Total Revenue
224 223 227
Net Interest Income / (Expense)
190 190 187
Total Interest Income
214 294 325
Loans and Leases Interest Income
196 273 294
Investment Securities Interest Income
18 20 32
Total Interest Expense
24 104 138
Deposits Interest Expense
20 98 133
Long-Term Debt Interest Expense
0.39 1.80 0.01
Other Interest Expense
3.86 4.30 4.50
Total Non-Interest Income
35 33 39
Service Charges on Deposit Accounts
7.21 7.37 6.99
Other Service Charges
16 15 20
Net Realized & Unrealized Capital Gains on Investments
-0.50 -0.34 0.83
Investment Banking Income
7.17 7.25 7.85
Other Non-Interest Income
4.67 3.62 3.78
Provision for Credit Losses
8.59 5.99 9.22
Total Non-Interest Expense
138 145 150
Salaries and Employee Benefits
71 71 75
Net Occupancy & Equipment Expense
30 35 37
Marketing Expense
2.89 3.13 2.55
Property & Liability Insurance Claims
6.97 8.29 7.94
Other Operating Expenses
26 28 28
Income Tax Expense
15 14 13
Preferred Stock Dividends Declared
4.30 4.30 4.30
Basic Earnings per Share
$3.26 $2.56 $2.39
Weighted Average Basic Shares Outstanding
21.12M 21.02M 20.98M
Diluted Earnings per Share
$3.26 $2.55 $2.39
Weighted Average Diluted Shares Outstanding
21.12M 21.02M 20.98M
Weighted Average Basic & Diluted Shares Outstanding
21.12M 21.02M 20.98M
Cash Dividends to Common per Share
$0.70 $0.70 $0.71

Quarterly Income Statements for CNB Financial

This table shows CNB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
16 15 15 13 13 13 12 12 13 14
Consolidated Net Income / (Loss)
17 16 16 14 14 14 13 13 14 15
Net Income / (Loss) Continuing Operations
17 16 16 14 14 14 13 13 14 15
Total Pre-Tax Income
21 20 20 17 17 17 15 16 17 19
Total Revenue
58 60 56 56 55 57 54 55 58 59
Net Interest Income / (Expense)
50 51 48 47 47 48 45 46 47 49
Total Interest Income
55 62 67 72 76 79 78 81 83 84
Loans and Leases Interest Income
51 58 62 67 71 73 72 72 76 74
Investment Securities Interest Income
4.67 4.65 4.31 5.43 4.54 6.19 6.39 8.51 7.51 9.51
Total Interest Expense
5.39 12 19 25 28 32 33 35 36 35
Deposits Interest Expense
4.41 10 17 24 27 30 32 34 35 34
Long-Term Debt Interest Expense
0.01 0.37 1.26 0.45 0.09 0.00 0.00 0.00 0.00 0.00
Other Interest Expense
0.98 1.01 1.04 1.05 1.08 1.13 1.13 1.14 1.12 1.10
Total Non-Interest Income
7.96 9.01 8.04 8.29 7.86 9.14 8.96 8.87 11 10
Service Charges on Deposit Accounts
1.87 1.81 1.80 1.91 1.86 1.80 1.69 1.79 1.79 1.71
Other Service Charges
3.62 4.37 3.76 3.81 3.64 4.21 4.31 4.17 5.50 5.69
Net Realized & Unrealized Capital Gains on Investments
-0.40 0.28 -0.26 -0.21 -0.40 0.54 0.19 -0.08 0.65 0.07
Investment Banking Income
1.87 1.72 1.82 1.92 1.83 1.68 1.80 2.01 2.06 1.98
Other Non-Interest Income
0.99 0.83 0.93 0.87 0.93 0.89 0.96 0.97 0.97 0.88
Provision for Credit Losses
1.09 2.95 1.29 2.41 1.06 1.24 1.32 2.59 2.38 2.93
Total Non-Interest Expense
36 37 34 36 37 38 37 36 39 38
Salaries and Employee Benefits
19 19 17 17 18 19 19 18 20 19
Net Occupancy & Equipment Expense
7.93 8.45 7.82 8.82 8.83 9.24 8.71 9.15 9.12 9.56
Marketing Expense
0.71 1.02 0.54 0.70 0.84 1.05 0.69 0.55 0.62 0.68
Property & Liability Insurance Claims
1.73 1.80 1.72 2.00 2.35 2.23 2.16 2.14 1.79 1.85
Other Operating Expenses
6.84 6.95 6.86 7.41 7.14 6.73 7.08 6.47 7.69 7.21
Income Tax Expense
4.05 3.99 3.91 3.33 3.40 3.16 2.83 3.05 3.34 3.57
Preferred Stock Dividends Declared
1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08
Basic Earnings per Share
$0.90 $0.67 $0.73 $0.61 $0.60 $0.62 $0.55 $0.57 $0.61 $0.66
Weighted Average Basic Shares Outstanding
17.25M 21.12M 21.04M 20.92M 20.86M 21.02M 20.82M 20.83M 20.84M 20.98M
Diluted Earnings per Share
$0.90 $0.67 $0.73 $0.61 $0.60 $0.61 $0.55 $0.56 $0.61 $0.67
Weighted Average Diluted Shares Outstanding
17.29M 21.12M 21.08M 20.96M 20.90M 21.02M 20.89M 20.89M 20.91M 20.98M
Weighted Average Basic & Diluted Shares Outstanding
21.12M 21.12M 21.06M 21.00M 20.90M 21.02M 21.00M 21.00M 20.99M 20.98M
Cash Dividends to Common per Share
$0.18 $0.17 $0.18 $0.18 $0.18 $0.17 $0.18 $0.18 $0.18 $0.18

Annual Cash Flow Statements for CNB Financial

This table details how cash moves in and out of CNB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents
-626 116 221
Net Cash From Operating Activities
64 47 72
Net Cash From Continuing Operating Activities
64 47 72
Net Income / (Loss) Continuing Operations
63 58 55
Consolidated Net Income / (Loss)
63 58 55
Provision For Loan Losses
8.59 5.99 9.22
Depreciation Expense
6.57 7.74 8.27
Amortization Expense
-3.01 -2.85 -4.28
Non-Cash Adjustments to Reconcile Net Income
-9.98 -2.90 -2.95
Changes in Operating Assets and Liabilities, net
-1.31 -19 6.68
Net Cash From Investing Activities
-805 -149 -203
Net Cash From Continuing Investing Activities
-805 -149 -203
Purchase of Property, Leasehold Improvements and Equipment
-12 -11 -16
Purchase of Investment Securities
-905 -217 -346
Sale of Property, Leasehold Improvements and Equipment
0.00 4.99 11
Sale and/or Maturity of Investments
120 73 159
Other Investing Activities, net
-7.44 0.70 -11
Net Cash From Financing Activities
115 218 353
Net Cash From Continuing Financing Activities
115 218 353
Net Change in Deposits
-93 376 373
Issuance of Common Equity
94 0.00 0.00
Repayment of Debt
132 -132 0.00
Repurchase of Common Equity
-1.67 -6.72 -0.64
Payment of Dividends
-17 -19 -19
Cash Interest Paid
27 102 134
Cash Income Taxes Paid
17 12 13

Quarterly Cash Flow Statements for CNB Financial

This table details how cash moves in and out of CNB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
-74 -104 82 -63 57 39 79 30 30 82
Net Cash From Operating Activities
16 26 4.81 12 13 18 12 10 26 22
Net Cash From Continuing Operating Activities
16 26 4.81 12 13 18 12 10 26 22
Net Income / (Loss) Continuing Operations
17 16 16 14 14 14 13 13 14 15
Consolidated Net Income / (Loss)
17 16 16 14 14 14 13 13 14 15
Provision For Loan Losses
1.09 2.95 1.29 2.41 1.06 1.24 1.32 2.59 2.38 2.93
Depreciation Expense
1.77 1.32 1.92 1.92 1.96 1.94 1.90 2.02 1.94 2.41
Amortization Expense
-0.43 -0.99 -1.26 -0.76 -0.73 -0.11 -1.32 -1.00 -0.97 -0.99
Non-Cash Adjustments to Reconcile Net Income
0.12 -0.67 -0.50 -1.88 0.70 -1.22 -0.65 -0.44 -1.16 -0.70
Changes in Operating Assets and Liabilities, net
-2.72 7.29 -13 -3.93 -3.81 1.90 -1.39 -5.70 10 3.54
Net Cash From Investing Activities
-103 -256 -17 -145 -19 31 33 -49 -98 -90
Net Cash From Continuing Investing Activities
-103 -256 -17 -145 -19 31 33 -49 -98 -90
Purchase of Property, Leasehold Improvements and Equipment
-4.29 -4.01 -3.38 -3.78 -1.80 -1.89 -2.44 -6.31 -4.15 -3.39
Purchase of Investment Securities
-120 -259 -11 -196 -29 18 -18 -47 -142 -139
Sale and/or Maturity of Investments
21 15 23 21 13 16 17 39 50 53
Other Investing Activities, net
0.56 -6.79 -31 33 -0.45 -1.68 36 -45 -1.52 0.24
Net Cash From Financing Activities
12 126 94 70 63 -8.83 34 68 101 150
Net Cash From Continuing Financing Activities
12 126 94 70 63 -8.83 34 68 101 150
Net Change in Deposits
-78 -1.37 132 179 70 -4.03 39 73 106 154
Repurchase of Common Equity
- - -2.51 -2.31 -1.84 -0.07 -0.21 -0.44 -0.00 0.01
Payment of Dividends
-4.03 -4.77 -4.77 -4.75 -4.74 -4.73 -4.76 -4.75 -4.86 -4.85
Cash Interest Paid
5.35 13 18 25 28 31 31 33 37 33
Cash Income Taxes Paid
5.79 4.68 0.44 4.28 3.85 3.43 0.49 4.81 3.55 4.07

Annual Balance Sheets for CNB Financial

This table presents CNB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets
5,475 5,753 6,192
Cash and Due from Banks
59 55 64
Federal Funds Sold
43 164 375
Interest Bearing Deposits at Other Banks
4.00 2.87 4.26
Trading Account Securities
817 771 827
Loans and Leases, Net of Allowance
4,232 4,423 4,562
Loans and Leases
4,275 4,468 4,609
Allowance for Loan and Lease Losses
43 46 47
Premises and Equipment, Net
69 74 76
Intangible Assets
44 44 44
Other Assets
208 220 188
Total Liabilities & Shareholders' Equity
5,475 5,753 6,192
Total Liabilities
4,944 5,182 5,581
Non-Interest Bearing Deposits
898 729 820
Interest Bearing Deposits
3,724 4,270 4,552
Accrued Interest Payable
51 40 64
Long-Term Debt
105 105 105
Other Long-Term Liabilities
34 38 40
Commitments & Contingencies
0.00 0.00 0.00
Total Equity & Noncontrolling Interests
531 571 611
Total Preferred & Common Equity
531 571 611
Preferred Stock
58 58 58
Total Common Equity
473 513 553
Common Stock
222 220 220
Retained Earnings
307 346 381
Treasury Stock
-2.97 -6.89 -4.69
Accumulated Other Comprehensive Income / (Loss)
-53 -46 -44

Quarterly Balance Sheets for CNB Financial

This table presents CNB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
5,317 5,583 5,664 5,732 5,801 5,887 6,015
Cash and Due from Banks
51 51 58 62 39 56 75
Federal Funds Sold
153 133 63 118 259 272 282
Interest Bearing Deposits at Other Banks
5.46 4.69 4.24 3.42 3.04 3.17 3.72
Trading Account Securities
820 812 786 764 772 764 759
Loans and Leases, Net of Allowance
3,983 4,257 4,419 4,446 4,386 4,434 4,545
Loans and Leases
4,025 4,301 4,465 4,492 4,431 4,480 4,592
Allowance for Loan and Lease Losses
41 44 46 46 46 46 47
Premises and Equipment, Net
66 71 73 73 75 79 82
Intangible Assets
0.39 44 44 44 44 44 44
Other Assets
194 4,468 216 221 224 234 223
Total Liabilities & Shareholders' Equity
5,317 5,583 5,664 5,732 5,801 5,887 6,015
Total Liabilities
4,801 5,037 5,114 5,183 5,223 5,300 5,408
Non-Interest Bearing Deposits
868 811 808 783 749 763 841
Interest Bearing Deposits
3,756 3,944 4,125 4,220 4,288 4,348 4,376
Accrued Interest Payable
44 40 38 37 42 47 47
Long-Term Debt
105 105 105 105 105 105 105
Other Long-Term Liabilities
29 36 38 38 38 37 40
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
516 546 550 549 579 587 606
Total Preferred & Common Equity
516 546 550 549 579 587 606
Preferred Stock
58 58 58 58 58 58 58
Total Common Equity
458 489 492 491 521 529 549
Common Stock
221 220 220 220 218 219 219
Retained Earnings
296 319 328 337 354 362 371
Treasury Stock
-2.98 -2.87 -5.00 -6.86 -3.95 -4.44 -4.52
Accumulated Other Comprehensive Income / (Loss)
-56 -47 -51 -59 -47 -47 -37

Annual Metrics and Ratios for CNB Financial

This table displays calculated financial ratios and metrics derived from CNB Financial's official financial filings.

Metric 2022 2023 2024
Growth Metrics
- - -
Revenue Growth
16.15% -0.56% 1.53%
EBITDA Growth
8.93% -6.19% -7.00%
EBIT Growth
10.51% -8.16% -6.22%
NOPAT Growth
9.50% -8.18% -5.94%
Net Income Growth
9.50% -8.18% -5.94%
EPS Growth
3.16% -21.78% -6.27%
Operating Cash Flow Growth
8.71% -26.59% 52.08%
Free Cash Flow Firm Growth
-5,809.38% 195.05% -90.09%
Invested Capital Growth
40.32% -11.93% 5.88%
Revenue Q/Q Growth
4.11% -1.33% 1.13%
EBITDA Q/Q Growth
2.66% -1.57% 1.53%
EBIT Q/Q Growth
2.85% -3.66% 2.26%
NOPAT Q/Q Growth
2.02% -3.18% 2.03%
Net Income Q/Q Growth
2.02% -3.18% 2.03%
EPS Q/Q Growth
-3.83% -2.30% 2.58%
Operating Cash Flow Q/Q Growth
9.40% -14.62% 6.75%
Free Cash Flow Firm Q/Q Growth
71.82% 463.87% 473.68%
Invested Capital Q/Q Growth
23.70% 3.38% 0.62%
Profitability Metrics
- - -
EBITDA Margin
36.44% 34.38% 31.49%
EBIT Margin
34.85% 32.19% 29.73%
Profit (Net Income) Margin
28.16% 26.00% 24.09%
Tax Burden Percent
80.79% 80.78% 81.02%
Interest Burden Percent
100.00% 100.00% 100.00%
Effective Tax Rate
19.21% 19.22% 18.98%
Return on Invested Capital (ROIC)
9.61% 8.04% 7.84%
ROIC Less NNEP Spread (ROIC-NNEP)
9.61% 8.04% 7.84%
Return on Net Nonoperating Assets (RNNOA)
3.37% 2.49% 1.39%
Return on Equity (ROE)
12.98% 10.53% 9.23%
Cash Return on Invested Capital (CROIC)
-23.95% 20.73% 2.13%
Operating Return on Assets (OROA)
1.45% 1.28% 1.13%
Return on Assets (ROA)
1.17% 1.03% 0.91%
Return on Common Equity (ROCE)
11.44% 9.43% 8.33%
Return on Equity Simple (ROE_SIMPLE)
11.91% 10.16% 8.94%
Net Operating Profit after Tax (NOPAT)
63 58 55
NOPAT Margin
28.16% 26.00% 24.09%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00%
SG&A Expenses to Revenue
46.65% 48.80% 50.15%
Operating Expenses to Revenue
61.32% 65.13% 66.20%
Earnings before Interest and Taxes (EBIT)
78 72 67
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
82 77 71
Valuation Ratios
- - -
Price to Book Value (P/BV)
0.99 0.88 0.94
Price to Tangible Book Value (P/TBV)
1.09 0.97 1.02
Price to Revenue (P/Rev)
2.08 2.03 2.29
Price to Earnings (P/E)
7.92 8.45 10.31
Dividend Yield
3.17% 3.22% 2.88%
Earnings Yield
12.63% 11.83% 9.70%
Enterprise Value to Invested Capital (EV/IC)
0.85 0.58 0.33
Enterprise Value to Revenue (EV/Rev)
2.92 1.77 1.05
Enterprise Value to EBITDA (EV/EBITDA)
8.01 5.14 3.34
Enterprise Value to EBIT (EV/EBIT)
8.37 5.49 3.53
Enterprise Value to NOPAT (EV/NOPAT)
10.36 6.80 4.36
Enterprise Value to Operating Cash Flow (EV/OCF)
10.22 8.39 3.33
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 2.64 16.06
Leverage & Solvency
- - -
Debt to Equity
0.45 0.18 0.17
Long-Term Debt to Equity
0.20 0.18 0.17
Financial Leverage
0.35 0.31 0.18
Leverage Ratio
11.10 10.19 10.11
Compound Leverage Factor
11.10 10.19 10.11
Debt to Total Capital
30.87% 15.51% 14.69%
Short-Term Debt to Total Capital
17.24% 0.00% 0.00%
Long-Term Debt to Total Capital
13.62% 15.51% 14.69%
Preferred Equity to Total Capital
7.53% 8.55% 8.07%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00%
Common Equity to Total Capital
61.61% 75.94% 77.23%
Debt to EBITDA
2.90 1.37 1.47
Net Debt to EBITDA
1.60 -1.53 -4.74
Long-Term Debt to EBITDA
1.28 1.37 1.47
Debt to NOPAT
3.75 1.81 1.93
Net Debt to NOPAT
2.07 -2.02 -6.19
Long-Term Debt to NOPAT
1.66 1.81 1.93
Noncontrolling Interest Sharing Ratio
11.87% 10.49% 9.78%
Liquidity Ratios
- - -
Cash Flow Metrics
- - -
Free Cash Flow to Firm (FCFF)
-157 150 15
Operating Cash Flow to CapEx
521.18% 803.40% 1,401.65%
Free Cash Flow to Firm to Interest Expense
-6.54 1.44 0.11
Operating Cash Flow to Interest Expense
2.66 0.45 0.52
Operating Cash Flow Less CapEx to Interest Expense
2.15 0.40 0.48
Efficiency Ratios
- - -
Asset Turnover
0.04 0.04 0.04
Fixed Asset Turnover
3.45 3.14 3.03
Capital & Investment Metrics
- - -
Invested Capital
768 676 716
Invested Capital Turnover
0.34 0.31 0.33
Increase / (Decrease) in Invested Capital
221 -92 40
Enterprise Value (EV)
655 395 238
Market Capitalization
466 454 518
Book Value per Share
$22.39 $24.57 $26.34
Tangible Book Value per Share
$20.31 $22.46 $24.25
Total Capital
768 676 716
Total Debt
237 105 105
Total Long-Term Debt
105 105 105
Net Debt
131 -117 -338
Capital Expenditures (CapEx)
12 5.85 5.10
Net Nonoperating Expense (NNE)
0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
237 105 105
Total Depreciation and Amortization (D&A)
3.56 4.89 3.99
Earnings Adjustments
- - -
Adjusted Basic Earnings per Share
$3.26 $2.56 $2.39
Adjusted Weighted Average Basic Shares Outstanding
21.12M 21.02M 20.98M
Adjusted Diluted Earnings per Share
$3.26 $2.55 $2.39
Adjusted Weighted Average Diluted Shares Outstanding
21.12M 21.02M 20.98M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
21.12M 21.02M 20.98M
Normalized Net Operating Profit after Tax (NOPAT)
63 58 55
Normalized NOPAT Margin
28.16% 26.00% 24.09%
Pre Tax Income Margin
34.85% 32.19% 29.73%
Debt Service Ratios
- - -
EBIT to Interest Expense
3.25 0.69 0.49
NOPAT to Interest Expense
2.62 0.56 0.40
EBIT Less CapEx to Interest Expense
2.74 0.64 0.45
NOPAT Less CapEx to Interest Expense
2.11 0.50 0.36
Payout Ratios
- - -
Dividend Payout Ratio
26.68% 32.74% 35.21%
Augmented Payout Ratio
29.33% 44.33% 36.38%

Quarterly Metrics and Ratios for CNB Financial

This table displays calculated financial ratios and metrics derived from CNB Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
18.80% 17.37% 6.52% 2.03% -4.78% -5.03% -2.70% -1.75% 6.10% 4.46%
EBITDA Growth
10.22% 11.74% 7.57% -8.29% -16.61% -6.07% -23.99% -7.05% -0.55% 5.68%
EBIT Growth
12.31% 12.23% 8.89% -9.36% -17.16% -13.74% -24.35% -6.75% 0.96% 8.70%
NOPAT Growth
11.52% 8.55% 8.16% -10.44% -17.43% -11.98% -23.59% -6.29% 1.65% 7.78%
Net Income Growth
11.52% 8.55% 8.16% -10.44% -17.43% -11.98% -23.59% -6.29% 1.65% 7.78%
EPS Growth
9.76% -16.25% -13.10% -28.24% -33.33% -8.96% -24.66% -8.20% 1.67% 9.84%
Operating Cash Flow Growth
-7.01% 27.16% 27.09% -35.75% -21.61% -31.25% 158.83% -9.86% 104.28% 25.53%
Free Cash Flow Firm Growth
-190.05% -347.58% -669.45% -241.86% 96.75% 151.57% 139.81% 78.30% -121.27% -123.38%
Invested Capital Growth
0.00% 40.32% 42.03% 23.93% 5.38% -11.93% -9.24% 5.71% 8.78% 5.88%
Revenue Q/Q Growth
6.28% 3.41% -6.95% -0.23% -0.82% 3.14% -4.67% 0.75% 7.10% 1.55%
EBITDA Q/Q Growth
10.22% -8.30% 4.33% -13.03% 0.22% 3.29% -15.57% 6.35% 7.23% 9.76%
EBIT Q/Q Growth
9.21% -3.90% 2.68% -15.89% -0.18% 0.06% -9.95% 3.69% 8.07% 7.73%
NOPAT Q/Q Growth
7.69% -4.48% 3.84% -16.14% -0.72% 1.82% -9.85% 2.83% 7.69% 7.95%
Net Income Q/Q Growth
7.69% -4.48% 3.84% -16.14% -0.72% 1.82% -9.85% 2.83% 7.69% 7.95%
EPS Q/Q Growth
5.88% -25.56% 8.96% -16.44% -1.64% 1.67% -9.84% 1.82% 8.93% 9.84%
Operating Cash Flow Q/Q Growth
-8.65% 56.50% -81.32% 140.59% 11.46% 37.25% -29.68% -16.21% 152.60% -15.66%
Free Cash Flow Firm Q/Q Growth
-861.50% 66.10% -0.81% 45.48% 82.53% 637.05% -22.18% -129.71% -78.19% 43.25%
Invested Capital Q/Q Growth
17.54% 23.70% -1.90% -13.12% -0.05% 3.38% 1.10% 1.19% 2.85% 0.62%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
38.05% 33.74% 37.83% 32.98% 33.33% 33.37% 29.56% 31.20% 31.24% 33.76%
EBIT Margin
35.73% 33.20% 36.64% 30.89% 31.09% 30.16% 28.49% 29.32% 29.58% 31.38%
Profit (Net Income) Margin
28.73% 26.54% 29.61% 24.89% 24.91% 24.59% 23.26% 23.74% 23.87% 25.38%
Tax Burden Percent
80.41% 79.92% 80.82% 80.58% 80.14% 81.55% 81.64% 80.97% 80.69% 80.86%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
19.59% 20.08% 19.18% 19.42% 19.86% 18.45% 18.36% 19.03% 19.31% 19.14%
Return on Invested Capital (ROIC)
19.96% 9.06% 10.51% 9.64% 8.84% 7.60% 7.18% 7.78% 7.83% 8.26%
ROIC Less NNEP Spread (ROIC-NNEP)
19.96% 9.06% 10.51% 9.64% 8.84% 7.60% 7.18% 7.78% 7.83% 8.26%
Return on Net Nonoperating Assets (RNNOA)
4.04% 3.18% 3.36% 2.07% 1.74% 2.36% 1.99% 1.44% 1.42% 1.47%
Return on Equity (ROE)
24.00% 12.23% 13.88% 11.71% 10.58% 9.96% 9.16% 9.22% 9.26% 9.73%
Cash Return on Invested Capital (CROIC)
-180.04% -23.95% -24.69% -10.75% 4.16% 20.73% 17.22% 2.36% -0.58% 2.13%
Operating Return on Assets (OROA)
1.45% 1.38% 1.54% 1.29% 1.27% 1.20% 1.11% 1.12% 1.13% 1.19%
Return on Assets (ROA)
1.16% 1.10% 1.24% 1.04% 1.02% 0.98% 0.91% 0.91% 0.91% 0.96%
Return on Common Equity (ROCE)
21.31% 10.78% 12.23% 10.32% 9.43% 8.92% 8.22% 8.28% 8.33% 8.78%
Return on Equity Simple (ROE_SIMPLE)
12.00% 0.00% 11.79% 11.43% 10.91% 0.00% 9.35% 9.08% 8.82% 0.00%
Net Operating Profit after Tax (NOPAT)
17 16 16 14 14 14 13 13 14 15
NOPAT Margin
28.73% 26.54% 29.61% 24.89% 24.91% 24.59% 23.26% 23.74% 23.87% 25.38%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
47.59% 47.25% 45.64% 47.84% 49.78% 51.89% 52.02% 50.17% 50.14% 48.42%
Operating Expenses to Revenue
62.38% 61.87% 61.04% 64.78% 67.00% 67.66% 69.08% 65.94% 66.34% 63.68%
Earnings before Interest and Taxes (EBIT)
21 20 20 17 17 17 15 16 17 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
22 20 21 18 18 19 16 17 18 20
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
0.82 0.99 0.79 0.73 0.75 0.88 0.82 0.81 0.92 0.94
Price to Tangible Book Value (P/TBV)
0.90 1.09 0.87 0.80 0.82 0.97 0.89 0.88 1.00 1.02
Price to Revenue (P/Rev)
1.74 2.08 1.70 1.57 1.63 2.03 1.92 1.94 2.25 2.29
Price to Earnings (P/E)
6.49 7.92 6.44 6.13 6.61 8.45 8.53 8.76 10.27 10.31
Dividend Yield
3.16% 3.17% 3.82% 4.11% 4.00% 3.22% 3.46% 3.43% 2.93% 2.88%
Earnings Yield
15.41% 12.63% 15.53% 16.32% 15.13% 11.83% 11.73% 11.42% 9.74% 9.70%
Enterprise Value to Invested Capital (EV/IC)
0.53 0.85 0.61 0.61 0.53 0.58 0.42 0.38 0.43 0.33
Enterprise Value to Revenue (EV/Rev)
1.51 2.92 2.03 1.73 1.54 1.77 1.29 1.18 1.37 1.05
Enterprise Value to EBITDA (EV/EBITDA)
4.10 8.01 5.56 4.85 4.46 5.14 3.99 3.70 4.37 3.34
Enterprise Value to EBIT (EV/EBIT)
4.29 8.37 5.80 5.07 4.66 5.49 4.28 3.96 4.66 3.53
Enterprise Value to NOPAT (EV/NOPAT)
5.27 10.36 7.19 6.30 5.80 6.80 5.29 4.89 5.74 4.36
Enterprise Value to Operating Cash Flow (EV/OCF)
5.58 10.22 7.12 6.75 6.31 8.39 5.23 4.86 4.59 3.33
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 13.10 2.64 2.31 16.38 0.00 16.06
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
0.20 0.45 0.38 0.19 0.19 0.18 0.18 0.18 0.17 0.17
Long-Term Debt to Equity
0.20 0.20 0.19 0.19 0.19 0.18 0.18 0.18 0.17 0.17
Financial Leverage
0.20 0.35 0.32 0.21 0.20 0.31 0.28 0.18 0.18 0.18
Leverage Ratio
10.30 11.10 11.18 11.26 10.37 10.19 10.12 10.16 10.17 10.11
Compound Leverage Factor
10.30 11.10 11.18 11.26 10.37 10.19 10.12 10.16 10.17 10.11
Debt to Total Capital
16.84% 30.87% 27.45% 16.01% 16.03% 15.51% 15.35% 15.18% 14.77% 14.69%
Short-Term Debt to Total Capital
0.00% 17.24% 13.55% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
16.84% 13.62% 13.90% 16.01% 16.03% 15.51% 15.35% 15.18% 14.77% 14.69%
Preferred Equity to Total Capital
9.31% 7.53% 7.67% 8.83% 8.84% 8.55% 8.45% 8.35% 8.12% 8.07%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
73.85% 61.61% 64.88% 75.16% 75.14% 75.94% 76.19% 76.46% 77.10% 77.23%
Debt to EBITDA
1.31 2.90 2.48 1.28 1.34 1.37 1.46 1.49 1.50 1.47
Net Debt to EBITDA
-1.32 1.60 0.22 -0.25 -1.00 -1.53 -2.74 -3.21 -3.64 -4.74
Long-Term Debt to EBITDA
1.31 1.28 1.26 1.28 1.34 1.37 1.46 1.49 1.50 1.47
Debt to NOPAT
1.69 3.75 3.21 1.67 1.75 1.81 1.94 1.97 1.97 1.93
Net Debt to NOPAT
-1.70 2.07 0.28 -0.33 -1.30 -2.02 -3.63 -4.25 -4.78 -6.19
Long-Term Debt to NOPAT
1.69 1.66 1.62 1.67 1.75 1.81 1.94 1.97 1.97 1.93
Noncontrolling Interest Sharing Ratio
11.20% 11.87% 11.89% 11.88% 10.85% 10.49% 10.27% 10.17% 10.00% 9.78%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-604 -205 -206 -113 -20 106 82 -24 -44 -25
Operating Cash Flow to CapEx
384.11% 642.35% 0.00% 306.73% 718.36% 936.47% 623.31% 0.00% 635.60% 655.50%
Free Cash Flow to Firm to Interest Expense
-112.06 -17.63 -10.86 -4.49 -0.70 3.35 2.51 -0.70 -1.22 -0.71
Operating Cash Flow to Interest Expense
3.06 2.22 0.25 0.46 0.46 0.56 0.38 0.30 0.74 0.64
Operating Cash Flow Less CapEx to Interest Expense
2.26 1.87 0.34 0.31 0.39 0.50 0.32 0.43 0.62 0.54
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover
3.27 3.45 3.43 3.37 3.25 3.14 3.05 2.90 2.88 3.03
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
621 768 753 654 654 676 684 692 711 716
Invested Capital Turnover
0.69 0.34 0.36 0.39 0.35 0.31 0.31 0.33 0.33 0.33
Increase / (Decrease) in Invested Capital
621 221 223 126 33 -92 -70 37 57 40
Enterprise Value (EV)
327 655 463 396 348 395 286 260 307 238
Market Capitalization
374 466 387 359 368 454 425 429 505 518
Book Value per Share
$27.19 $22.39 $23.14 $23.35 $23.41 $24.57 $24.77 $25.18 $26.13 $26.34
Tangible Book Value per Share
$24.57 $20.31 $21.05 $21.25 $21.30 $22.46 $22.67 $23.08 $24.03 $24.25
Total Capital
621 768 753 654 654 676 684 692 711 716
Total Debt
105 237 207 105 105 105 105 105 105 105
Total Long-Term Debt
105 105 105 105 105 105 105 105 105 105
Net Debt
-105 131 18 -20 -78 -117 -196 -226 -256 -338
Capital Expenditures (CapEx)
4.29 4.01 -1.61 3.78 1.80 1.89 2.00 -4.44 4.15 3.39
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
105 237 207 105 105 105 105 105 105 105
Total Depreciation and Amortization (D&A)
1.34 0.32 0.67 1.16 1.23 1.83 0.58 1.03 0.97 1.41
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$0.90 $0.67 $0.73 $0.61 $0.60 $0.62 $0.55 $0.57 $0.61 $0.66
Adjusted Weighted Average Basic Shares Outstanding
21.12M 21.12M 21.04M 20.92M 20.86M 21.02M 20.82M 20.83M 20.84M 20.98M
Adjusted Diluted Earnings per Share
$0.90 $0.67 $0.73 $0.61 $0.60 $0.61 $0.55 $0.56 $0.61 $0.67
Adjusted Weighted Average Diluted Shares Outstanding
21.12M 21.12M 21.08M 20.96M 20.90M 21.02M 20.89M 20.89M 20.91M 20.98M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
21.12M 21.12M 21.06M 21.00M 20.90M 21.02M 21.00M 21.00M 20.99M 20.98M
Normalized Net Operating Profit after Tax (NOPAT)
17 16 16 14 14 14 13 13 14 15
Normalized NOPAT Margin
28.73% 26.54% 29.61% 24.89% 24.91% 24.59% 23.26% 23.74% 23.87% 25.38%
Pre Tax Income Margin
35.73% 33.20% 36.64% 30.89% 31.09% 30.16% 28.49% 29.32% 29.58% 31.38%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
3.84 1.71 1.07 0.68 0.61 0.54 0.47 0.46 0.48 0.54
NOPAT to Interest Expense
3.08 1.37 0.87 0.55 0.49 0.44 0.39 0.37 0.39 0.43
EBIT Less CapEx to Interest Expense
3.04 1.37 1.16 0.53 0.54 0.48 0.41 0.59 0.37 0.44
NOPAT Less CapEx to Interest Expense
2.29 1.02 0.95 0.40 0.42 0.38 0.32 0.50 0.27 0.34
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
26.01% 26.68% 27.31% 29.16% 31.77% 32.74% 35.06% 35.64% 35.69% 35.21%
Augmented Payout Ratio
30.33% 29.33% 31.20% 36.83% 42.88% 44.33% 43.24% 40.44% 37.04% 36.38%

Frequently Asked Questions About CNB Financial's Financials

When does CNB Financial's financial year end?

According to the most recent income statement we have on file, CNB Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has CNB Financial's net income changed over the last 2 years?

CNB Financial's net income appears to be on a downward trend, with a most recent value of $54.58 million in 2024, falling from $63.19 million in 2022. The previous period was $58.02 million in 2023.

How has CNB Financial revenue changed over the last 2 years?

Over the last 2 years, CNB Financial's total revenue changed from $224.43 million in 2022 to $226.58 million in 2024, a change of 1.0%.

How much debt does CNB Financial have?

CNB Financial's total liabilities were at $5.58 billion at the end of 2024, a 7.7% increase from 2023, and a 12.9% increase since 2022.

How much cash does CNB Financial have?

In the past 2 years, CNB Financial's cash and equivalents has ranged from $54.79 million in 2023 to $63.77 million in 2024, and is currently $63.77 million as of their latest financial filing in 2024.

How has CNB Financial's book value per share changed over the last 2 years?

Over the last 2 years, CNB Financial's book value per share changed from 22.39 in 2022 to 26.34 in 2024, a change of 17.6%.



This page (NASDAQ:CCNEP) was last updated on 4/20/2025 by MarketBeat.com Staff
From Our Partners