Filing Flows

Filing Flows › Companies › CNB Financial › Cash flow

CNB Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$3.6M in Q3 2026 · $84.4M over twelve months

Operating cash flow$5.2M
Capital spending−$1.5M
Free cash flow+$3.6M
Cash / net income0.2×

Analysis

In Q3 2026, CNB Financial generated $5.2M of operating cash flow and spent $1.5M on capital projects, leaving free cash flow of $3.6M. That is $1.3M less than in Q3 2025 ($4.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $87.4M; the largest uses were other investing ($241M), dividends ($22.2M), net borrowing (+) / repaid (−) ($17.6M); besides operations, cash came from other financing ($77.9M), asset & business sales ($6.2M); the cash balance fell by $113M.

Operating cash flow was $5.2M against net income of $28.1M — 0.2× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$15.7M, other liabilities −$10.2M, depreciation & amortization +$3.7M.

Free cash flow

CNB Financial: free cash flow by quarterCNB Financial: free cash flow by quarter$18.8MQ4 2024$9.9MQ1 2025$17.9MQ2 2025$4.9MQ3 2025$26.0MQ4 2025$18.8MQ1 2026$36.0MQ2 2026$3.6MQ3 2026
Operating cash flow less capital spending.
CNB Financial: operating cash flow against capital spendingCNB Financial: operating cash flow against capital spendingOperating cash flowCapital spending$22.2M$3.4MQ4 2024$11.6M$1.7MQ1 2025$20.2M$2.4MQ2 2025$7.0M$2.1MQ3 2025$26.1M$129KQ4 2025$19.2M$362KQ1 2026$36.9M$922KQ2 2026$5.2M$1.5MQ3 2026
Latest (Q3 2026): Operating cash flow $5.2M, Capital spending $1.5M.

Capital allocation, year by year

CNB Financial: where the cash came from (up) and went (down), by fiscal yearCNB Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingDividendsFY2021: Operating cash flow $58.9MFY2021: Net borrowing −$50.0MFY2021: Asset sales $746KFY2021: Capital spending −$6.5MFY2021: Dividends −$11.6M$59.7MFY2021FY2022: Operating cash flow $64.1MFY2022: Net borrowing $132MFY2022: Shares issued $94.1MFY2022: Asset sales $496KFY2022: Capital spending −$12.3MFY2022: Dividends −$12.6M$291MFY2022FY2023: Operating cash flow $47.0MFY2023: Net borrowing −$132MFY2023: Asset sales $52KFY2023: Capital spending −$10.8MFY2023: Dividends −$14.7M$47.1MFY2023FY2024: Operating cash flow $71.5MFY2024: Asset sales $8.7MFY2024: Capital spending −$16.3MFY2024: Dividends −$14.9M$80.2MFY2024FY2025: Operating cash flow $65.0MFY2025: Net borrowing −$273MFY2025: Asset sales $5.6MFY2025: Capital spending −$6.3MFY2025: Dividends −$18.2M$70.6MFY2025
Over these 5 years operating cash flow totalled $306M; the largest uses were net borrowing ($455M) and dividends ($71.9M). Cash-flow statements as filed.

Where the cash came from and went

CNB Financial: sources (+) and uses (−) of cash, Q3 2026CNB Financial: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$133MOther investing−$95.8MOther financing−$37.0MDividends−$5.6MOperating cash flow$5.2MAsset & business sales$1.7MCapital spending−$1.5M
CNB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026CNB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$241MCash drawn (+) / kept (−)$113MOperating cash flow$87.4MOther financing$77.9MDividends−$22.2MNet borrowing (+) / repaid (−)−$17.6MAsset & business sales$6.2MCapital spending−$2.9M

From profit to cash

CNB Financial: net income to operating cash flow, Q3 2026CNB Financial: net income to operating cash flow, Q3 2026Net income$28.1MDepreciation & amortization$3.7MStock-based pay$1.0MGains on disposals$35KPrepaid and other assets−$15.7MOther liabilities−$10.2MOperating cash flow$5.2M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$5.2M−$1.5M−$5.6M—$133M$3.6M
Q2 2026$36.9M−$922K−$5.6M—$144M$36.0M
Q1 2026$19.2M−$362K−$5.6M—−$74.6M$18.8M
Q4 2025$26.1M−$129K−$5.3M−$17.6M−$89.8M$26.0M
Q3 2025$7.0M−$2.1M−$5.3M—−$12.7M$4.9M
Q2 2025$20.2M−$2.4M−$3.8M—$94.7M$17.9M
Q1 2025$11.6M−$1.7M−$3.8M—−$77.1M$9.9M
Q4 2024$22.2M−$3.4M−$3.8M—−$82.1M$18.8M

CNB Financial: income statement and cash flow

CNB Financial, Q3 2026: revenue $87.8M (+13% year over year), operating margin 37.8%. The chart follows the revenue to costs, profit and cash.

CNB Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.