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CNB Financial (CCNE) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · CNB Financial (CCNE) Q3 2026 earnings results →
Q3 2026 Revenue up 13% year over year to $87.8M · 32¢ of every $1 of revenue kept as net profit · operating margin 37.8%
CNB Financial made $87.8M in Q3 2026 (+13% Y/Y): Net interest income $76.3M, Noninterest income $11.5M. Operating margin 37.8%, net earnings $28.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $87.8M in Q3 2026, up 13% year over year and roughly flat from the previous quarter. Net interest income was the largest line at 87% of revenue. Net interest income added $9.2M year over year (up 14%), 91% of the total change.
Operating profit was $33.2M, a 37.8% margin (up 5.1 points year over year). Of the extra revenue versus a year earlier, 77% reached operating profit, above the 33% margin then. Total costs grew 4% against revenue growth of 13%. The fastest-growing cost line was Other operating costs (+68%). Net earnings were $28.1M, up 40% year over year. The effective tax rate was 15.5%.
Operating cash flow was $5.2M (down 27% year over year), 18% of net earnings. Non-cash charges added back $3.7M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items used $27.6M. Capital expenditures of $1.5M left free cash flow of $3.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $87.8M | +13% | 37.8% | $28.1M | $5.2M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About CNB Financial
CNB Financial Corporation (the "Corporation") is a financial holding company registered under the Bank Holding Company Act of 1956, as amended (the "BHC Act"). It was incorporated under the laws of the Commonwealth of Pennsylvania in 1983 for the purpose of engaging in the business of a financial holding company. On April 26, 1984, the Corporation acquired all of the outstanding capital stock of County National Bank, a national banking chartered institution. In December 2006, County National Bank changed its name to CNB Bank (the "Bank") and became a state bank chartered in Pennsylvania and subject to regulation by the Pennsylvania Department of Banking and Securities and the Federal Deposit Insurance Corporation. In October 2013, the Corporation acquired FC Banc Corp. and its subsidiary, The Farmers Citizens Bank.
In its own words, from its 10-K, filed Mar 11, 2026.
CNB Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +13% against the peers' median +12%. Operating margin: 37.8% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CCNE CNB Financial | Q3 2026 | $87.8M | +13% | 37.8% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: CNB Financial 10-Q on SEC EDGAR · CIK 736772 · State Commercial Banks
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Every quarter: Q3 2026 results