CNB Financial Corporation logo CCNE - CNB Financial Corporation

Price: -- -- | CONSENSUS: Buy DETAILS
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HOLD 1
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| PRICE TARGET: $34.50 DETAILS
HIGH: $35.00
LOW: $34.00
MEDIAN: $34.50
CONSENSUS: $34.50
UPSIDE: 12.56%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Revenue
Revenue 404.9 360.0 322.0 243.7 209.2 192.1 178.8 149.8 127.7 110.1 102.0 101.2 85.2 80.8 76.4 70.8 65.9 63.6 63.0 57.3 49.3 42.9 44.7 45.8 46.4 45.1 39.2 34.5 15.4 12.3 11.5
Cost of Revenue 159.2 147.2 109.9 32.7 25.8 47.8 45.6 33.0 24.0 17.2 15.0 16.1 18.4 21.3 22.5 24.2 22.9 24.4 24.4 22.2 16.7 13.9 14.9 17.0 20.2 20.6 17.2 15.3 12.7 10.4 9.6
Gross Profit 245.7 212.8 212.1 211.0 183.4 144.3 133.3 116.7 103.6 92.9 86.9 85.1 66.8 59.5 53.9 46.6 42.9 39.3 38.6 35.1 32.5 29.0 29.8 28.8 26.2 24.5 22 19.2 2.7 1.9 1.9
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 7.3 80.8 78.1 77.1 65.8 53.1 49.8 51.1 44.5 42.9 37.6 34.4 28.2 24.3 22.7 21.3 18.5 18.7 13.9 11.6 10.4 9.4 9.3 8.7 6.2 6.5 5.7 5.1 5.5 5.0 4.8
Other Expenses 155.9 64.6 62.2 55.7 46.8 51.1 34.8 25.4 22.9 22.3 18.8 18.3 15.6 11.6 10.6 10.5 13.6 14.1 12.3 10.5 10.0 9.7 8.6 8.6 11.2 10.8 10.2 7.3 (8.6) (8.7) (7.9)
Operating Expenses 163.2 145.4 140.3 132.8 112.6 104.2 84.6 76.5 67.4 65.2 56.5 52.7 43.8 35.9 33.3 31.8 32.1 32.8 26.2 22.1 20.4 19.1 17.9 17.3 17.4 17.2 15.9 12.4 (3.1) (3.7) (3.0)
Operating Income
Operating Income 82.5 67.4 71.8 78.2 70.8 40.1 48.6 40.2 36.3 27.7 30.5 32.4 23.0 23.5 20.6 14.8 10.9 6.5 12.4 13.0 12.1 9.8 11.9 11.5 8.8 7.2 6.1 6.8 5.7 5.6 5.0
Interest Expense 150.3 138.0 103.9 24.1 19.8 32.5 39.5 26.9 17.4 13.0 12.5 12.3 12.2 14.9 17.6 19.1 18.5 20.6 22.9 20.9 16.0 13.1 13.4 15.2 19.1 19.8 16.6 14.6 11.8 9.8 9.2
Interest Income 392.3 325.1 293.2 213.6 179.6 161.3 155.7 131.9 108.9 94.3 87.2 86.9 71.4 68.0 65.7 61.1 55.9 57.2 53.9 49.1 41.6 37.5 37.6 39.7 40.8 40.6 35.5 31.3 26.2 23.1 21.4
Profitability
EBITDA 93.4 75.6 79.6 84.8 77.0 46.2 54.6 45.0 41.5 32.2 34.5 36.5 25.7 25.8 22.7 16.8 12.9 8.4 13.5 14.4 13.9 11.6 14.1 12.9 11.3 9.7 8.2 7.9 6.8 6.2 5.5
EBIT 82.5 67.4 71.8 78.2 70.8 40.1 48.6 40.2 36.3 27.7 30.5 32.4 23.0 23.5 20.6 14.8 10.9 6.5 12.4 13.0 12.1 9.8 11.9 11.5 8.8 7.2 6.1 6.8 5.7 5.6 5.0
Income Before Tax 82.5 67.4 71.8 78.2 70.8 40.1 48.6 40.2 36.3 27.7 30.5 32.4 23.0 23.5 20.6 14.8 10.9 6.5 12.4 13.0 12.1 9.8 11.9 11.5 8.8 7.2 6.1 6.8 5.7 5.6 5.0
Income Tax Expense 16.3 12.8 13.8 15.0 13.1 7.3 8.6 6.5 12.4 7.2 8.3 9.3 6.3 6.4 5.5 3.5 2.4 1.3 3.3 3.4 3.0 2.0 2.8 2.8 2.3 1.8 1.5 1.8 1.4 1.4 1.2
Net Income 66.1 54.6 58.0 63.2 57.7 32.7 40.1 33.7 23.9 20.5 22.2 23.1 16.7 17.1 15.1 11.3 8.5 5.2 9.1 9.6 9.1 7.9 9.1 8.7 6.5 5.4 4.6 5 4.3 4.3 3.8
Per Share Data
EPS (Basic) 2.51 2.40 2.56 3.26 3.16 1.97 2.63 2.22 1.57 1.42 1.54 1.60 1.16 1.38 1.23 0.92 0.97 0.61 1.05 1.08 1.01 0.86 0.99 0.95 0.71 0.59 0.50 0.55 0.25 0.50 0.44
EPS (Diluted) 2.51 2.39 2.55 3.26 3.16 1.97 2.63 2.22 1.57 1.42 1.54 1.60 1.16 1.38 1.23 0.92 0.97 0.61 1.05 1.07 1.00 0.86 0.98 0.95 0.71 0.59 0.50 0.55 0.25 0.50 0.44
Shares Outstanding 24.7 20.8 20.9 21.0 16.8 16.8 15.2 15.2 15.1 14.4 14.3 14.4 14.4 12.4 12.3 12.2 8.7 8.5 8.7 8.9 9.0 9.2 9.1 9.1 9.1 9.2 9.1 9.1 8.6 8.6 8.6
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Current Assets
Cash & Cash Equivalents 527.9 443.0 221.9 106.3 732.2 532.7 193.0 45.6 35.3 29.2 28.7 37.7 29.9 21.0 22.5 19.4 18.0 21.2 11.4 18.4 10.8 12.3
Short-Term Investments 415.0 403.5 342.0 371.4 697.2 584.9 542.3 516.9 409.7 495.8 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 0 0 62.1 40.7 37.4 24.9 24.3 20.4 23.3 20.0 17.7 7.7 6.4 13.6 6.4 6.4 3.5 2.6 2.2 2.2 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 942.9 846.5 564.0 539.8 1,470.1 1,155.0 760.2 586.7 465.5 548.3 48.8 55.4 37.6 27.4 36.1 25.8 24.4 24.7 14 20.6 13.0 12.3
Non-Current Assets
Property, Plant & Equipment 148.5 128.7 109.4 100.8 81.6 78.5 73.3 49.9 50.7 49.5 23.4 23.6 13.8 12.9 12.1 12.5 12.8 12.9 10.7 8.8 9.3 7.8
Goodwill 88.5 43.9 43.9 43.7 43.7 43.7 38.7 38.7 38.7 38.7 10.8 10.8 0 0 0 0 0 0 0 0 0 0
Intangible Assets 36.3 1.5 1.8 2.2 2.1 2.1 1.7 2.2 3.0 4.2 1.0 0.7 7.7 6.4 13.6 6.4 6.4 3.5 2.6 0 0 0
Long-Term Investments 6,851.5 4,943.9 4,821.6 4,646.4 3,608.4 3,346.0 2,785.5 2,455.2 2,127.1 1,864.7 1,052.0 903.5 644.1 631.5 604.3 540.2 501.0 504.8 425.8 339.6 300.6 273.8
Other Non-Current Assets 328.7 227.5 212.3 142.2 123.0 104.1 104.2 88.7 83.7 68.3 25.7 22.5 18.0 18.2 3.4 1.9 3.0 2.9 15.9 3.9 4.1 3.6
Total Non-Current Assets 7,453.5 5,345.5 5,189.0 4,935.4 3,858.9 3,574.4 3,003.5 2,634.8 2,303.3 2,025.5 1,112.8 961.1 687.6 674.4 632.4 567.0 531.0 536.5 454.9 352.3 314.0 285.2
Total Assets 8,396.4 6,192.0 5,753.0 5,475.2 5,328.9 4,729.4 3,763.7 3,221.5 2,768.8 2,573.8 1,161.6 1,016.5 725.2 701.8 668.5 592.8 555.4 561.2 468.9 372.9 327.0 297.5
Current Liabilities
Account Payables 0 0 0 51.3 45.0 41.4 38.5 32.2 29.1 30.4 0 10.6 7.3 8.2 9.3 8.0 5.6 6.8 5.1 0 0 0
Short-Term Debt 164 0 0 264.8 0 0 227.9 245.1 34.4 104.0 1.4 0.7 2 1.3 2 0 0 1.8 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 7,027.1 5,371.4 4,998.8 4,622.4 4,715.6 4,181.7 3,102.3 2,610.8 2,167.8 2,017.5 956.9 814.6 596.9 575.4 545.1 506.6 485.2 500.8 398.1 319.5 270.1 255.8
Total Current Liabilities 7,191.1 5,371.4 4,998.8 4,938.5 4,760.7 4,223.2 3,368.7 2,888.1 2,231.3 2,151.9 958.2 826.0 606.2 585.0 556.5 514.6 490.8 509.4 403.2 322.6 272.6 255.8
Non-Current Liabilities
Long-Term Debt 105.5 105.2 104.9 104.6 104.3 70.6 70.6 70.6 293.6 203.7 120.6 128.1 50.3 50.3 50 23.3 13.3 6 16.4 8.1 14.7 2.8
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 184.0 64.4 40.4 (132.4) 0 0 0 0 0 6.5 13.3 0 0 0 0 0 0 (1.8) (0.1) 0 0 1.3
Total Non-Current Liabilities 333.2 210.0 183.0 5.9 125.4 90.1 90.0 70.6 293.6 210.1 133.9 128.1 50.3 50.3 50 23.3 13.3 4.2 16.4 8.1 14.7 4.2
Total Liabilities 7,524.3 5,581.3 5,181.7 4,944.4 4,886.1 4,313.3 3,458.7 2,958.7 2,524.9 2,362.0 1,092.2 954.1 656.5 635.3 606.5 537.9 504.2 513.6 419.5 330.7 287.3 260.0
Stockholders' Equity
Common Stock 0 0 0 0 0 0 0 0 0 0 0 0 9.2 3.7 3.7 3.7 3.7 3.7 3.5 6.9 6.9 6.9
Retained Earnings 424.9 381.3 345.9 306.9 260.6 218.7 201.5 171.8 148.3 134.3 68.7 65.9 54.3 56.8 52.1 47.7 44.6 42.3 40.6 34.2 32.3 30.1
Accumulated Other Comprehensive Income (30.7) (43.6) (46.1) (52.5) (0.4) 15.1 6.9 (4.0) (0.3) (0.1) (4.9) (7.0) 2.7 3.2 3.5 1.0 (0.2) (1.3) 1.5 1.1 0.6 0.6
Total Stockholders' Equity 872.1 610.7 571.2 530.8 442.8 416.1 305.0 262.8 243.9 211.8 69.4 62.5 68.7 66.4 62.0 54.9 51.2 47.6 49.4 42.2 39.7 37.5
Total Liabilities & Equity 8,396.4 6,192.0 5,753.0 5,475.2 5,328.9 4,729.4 3,763.7 3,221.5 2,768.8 2,573.8 1,161.6 1,016.5 725.2 701.8 668.5 592.8 555.4 561.2 468.9 372.9 327.0 297.5
Debt Metrics
Total Debt 313.2 145.5 142.5 403.1 125.4 90.1 317.9 315.7 328.0 307.6 122.0 128.8 52.3 51.6 52 23.3 13.3 7.8 16.4 8.1 14.7 2.8
Net Debt (214.7) (297.5) (79.5) 296.8 (606.8) (442.6) 124.9 270.2 292.6 278.4 93.3 91.1 22.4 30.6 29.5 3.9 (4.6) (13.4) 5 (10.3) 3.8 (9.5)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Operating Activities
Net Income 66.1 54.6 58.0 63.2 57.7 32.7 40.1 33.7 23.9 20.5 9.1 7.9 9.1 8.7 6.5 5.4 4.6 5 4.3 4.3 3.8
Depreciation & Amortization 10.9 8.3 7.7 6.6 6.2 6.1 6.0 4.8 5.2 4.5 1.8 1.8 2.2 1.4 2.5 2.5 2.1 1.1 1.1 0.7 0.5
Stock-Based Compensation 2.7 2.2 1.7 1.3 1.5 1.4 1.3 1.5 0.9 0.8 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (10.0) 7.9 (20.1) 0.5 6.7 (10.1) 4.7 1.5 (0.5) (1.8) (1.3) (1.9) (1.0) (6.6) 2.7 (1.7) (1.2) (0.3) (0.9) (2.4) (0.1)
Other Non-Cash Items (9.8) (0.2) (1.5) (5.7) (11.6) (2.8) 0.0 4.3 (2.2) 1.7 0.7 1.0 2.1 3.2 (2.1) 0.6 2.6 (2.5) (0.3) (0.1) 0.5
Operating Cash Flow 65.0 71.5 47.0 64.1 58.9 28.8 51.9 44.9 30.8 26.8 9.7 8.0 12.2 5.1 9.2 7.1 8.7 4.7 4.9 2.7 4.7
Investing Activities
Capital Expenditure (6.3) (16.3) (11.0) (12.3) (6.5) (5.6) (9.0) (3.1) (5.2) (10.1) (1.8) (2.1) (2.0) (0.8) (0.9) (1.1) (17.5) (2.3) (0.2) (2.1) (3.1)
Acquisitions 27.4 0 0 0 0 72.9 0 0 1.1 (2.9) 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (335.8) (191.2) (19.6) (262.7) (341.5) (226.5) (122.8) (190.9) (23.7) (21.5) (48.9) (39.6) (76.7) (77.2) (83.5) (25.4) (80.6) (65.6) (61.8) (48.6) (38.8)
Sales/Maturities of Investments 468.4 150.1 73.0 116.2 204.5 227.6 109.7 76.3 108.6 68.3 48.5 49.1 84.0 46.8 68.8 31.3 45.8 36.8 24.3 22.5 40.5
Other Investing Activities (132.3) (145.9) (192.0) (645.9) (266.2) (237.0) (346.6) (335.5) (284.5) (184.6) (28.0) (23.5) (44.3) (33.9) (19.6) (3.3) (50.8) (25.7) 0.0 0.1 (23.1)
Investing Cash Flow 27.6 (203.3) (149.5) (804.7) (409.8) (168.7) (368.7) (452.7) (203.7) (150.9) (30.1) (16.1) (39.0) (65.1) (35.2) 1.6 (103.1) (56.8) (37.8) (28.1) (24.4)
Financing Activities
Net Debt Issuance (273) 0 (132.4) 132.4 33.5 (227.9) (17.2) (12.2) 20.4 66.5 18.2 0.7 (0.7) 28.7 9.9 6.6 (9.6) 8.3 47.1 27.0 0
Stock Repurchased (0.3) (0.6) (6.7) (1.7) (1.2) (1.3) (1.3) (2.5) (1.9) (0.0) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (22.5) (19.2) (19.0) (16.9) (15.9) (12.1) (10.4) (10.2) (10.1) (9.5) (5.0) (4.8) (4.3) (4.3) (3.4) (3.1) (2.9) (2.6) (2.3) (2.1) (2.0)
Other Financing Activities 288.1 372.6 376.3 (93.2) 533.9 659.9 491.5 443.0 151.4 69.1 21.6 21.5 30.3 38.5 20.9 (15.5) 102.7 52.3 (4.2) (0.9) 24.3
Financing Cash Flow (7.8) 352.8 218.2 114.7 550.3 479.6 464.1 418.0 179.1 126.0 33.5 17.0 25.3 63.2 27.4 (12.0) 89.6 58 40.5 23.9 22.3
Cash Position
Net Change in Cash 84.9 221.0 115.8 (625.9) 199.5 339.7 147.4 10.2 6.2 1.9 13.1 8.9 (1.5) 3.1 1.4 (3.2) (4.9) 6 7.6 (1.5) 2.6
Cash at Beginning 443.0 222.0 106.3 732.2 532.7 193.0 45.6 35.3 29.2 27.3 29.9 21.0 22.5 19.4 18.0 21.2 26.1 20.1 10.8 12.3 9.7
Cash at End 527.9 443.0 222.0 106.3 732.2 532.7 193.0 45.6 35.3 29.2 43.0 29.9 21.0 22.5 19.4 18.0 21.2 26.1 18.4 10.8 12.3
Free Cash Flow 58.7 55.2 36.1 51.8 52.4 23.1 42.9 41.8 25.5 16.6 8.0 5.9 10.2 4.3 8.3 6.1 (8.8) 2.4 4.7 0.6 1.6
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995
Income Statement
Revenue 404.9 360.0 322.0 243.7 209.2 192.1 178.8 149.8 127.7 110.1 102.0 101.2 85.2 80.8 76.4 70.8 65.9 63.6 63.0 57.3 49.3 42.9 44.7 45.8 46.4 45.1 39.2 34.5 15.4 12.3 11.5
Gross Profit 245.7 212.8 212.1 211.0 183.4 144.3 133.3 116.7 103.6 92.9 86.9 85.1 66.8 59.5 53.9 46.6 42.9 39.3 38.6 35.1 32.5 29.0 29.8 28.8 26.2 24.5 22 19.2 2.7 1.9 1.9
Operating Income 82.5 67.4 71.8 78.2 70.8 40.1 48.6 40.2 36.3 27.7 30.5 32.4 23.0 23.5 20.6 14.8 10.9 6.5 12.4 13.0 12.1 9.8 11.9 11.5 8.8 7.2 6.1 6.8 5.7 5.6 5.0
Net Income 66.1 54.6 58.0 63.2 57.7 32.7 40.1 33.7 23.9 20.5 22.2 23.1 16.7 17.1 15.1 11.3 8.5 5.2 9.1 9.6 9.1 7.9 9.1 8.7 6.5 5.4 4.6 5 4.3 4.3 3.8
EPS (Diluted) 2.51 2.39 2.55 3.26 3.16 1.97 2.63 2.22 1.57 1.42 1.54 1.60 1.16 1.38 1.23 0.92 0.97 0.61 1.05 1.07 1.00 0.86 0.98 0.95 0.71 0.59 0.50 0.55 0.25 0.50 0.44
Balance Sheet
Cash & Equivalents 527.9 443.0 221.9 106.3 732.2 532.7 193.0 45.6 35.3 29.2 28.7 37.7 29.9 21.0 22.5 19.4 18.0 21.2 11.4 18.4 10.8 12.3
Total Assets 8,396.4 6,192.0 5,753.0 5,475.2 5,328.9 4,729.4 3,763.7 3,221.5 2,768.8 2,573.8 1,161.6 1,016.5 725.2 701.8 668.5 592.8 555.4 561.2 468.9 372.9 327.0 297.5
Total Debt 313.2 145.5 142.5 403.1 125.4 90.1 317.9 315.7 328.0 307.6 122.0 128.8 52.3 51.6 52 23.3 13.3 7.8 16.4 8.1 14.7 2.8
Stockholders' Equity 872.1 610.7 571.2 530.8 442.8 416.1 305.0 262.8 243.9 211.8 69.4 62.5 68.7 66.4 62.0 54.9 51.2 47.6 49.4 42.2 39.7 37.5
Cash Flow
Operating Cash Flow 65.0 71.5 47.0 64.1 58.9 28.8 51.9 44.9 30.8 26.8 9.7 8.0 12.2 5.1 9.2 7.1 8.7 4.7 4.9 2.7 4.7
Capital Expenditure (6.3) (16.3) (11.0) (12.3) (6.5) (5.6) (9.0) (3.1) (5.2) (10.1) (1.8) (2.1) (2.0) (0.8) (0.9) (1.1) (17.5) (2.3) (0.2) (2.1) (3.1)
Free Cash Flow 58.7 55.2 36.1 51.8 52.4 23.1 42.9 41.8 25.5 16.6 8.0 5.9 10.2 4.3 8.3 6.1 (8.8) 2.4 4.7 0.6 1.6