Filing Flows › CNB Financial (CCNE) › Q3 2026
CNB Financial (CCNE) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
CNB Financial (CCNE) reported revenue of $87.8M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +0.2% from the quarter before. Operating margin was 37.8%, net earnings $28.1M (32.0% of revenue).
CNB Financial, Q3 2026: revenue $87.8M (+13% year over year), operating margin 37.8%, net earnings $28.1M, operating cash flow $5.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $87.8M | +0.2% | +13% |
| Operating profit | $33.2M | -6% | +30% |
| Net earnings | $28.1M | -0.9% | +40% |
| Operating cash flow | $5.2M | -86% | -27% |
| Free cash flow | $3.6M | -90% | -26% |
What changed
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.
Questions
What was CNB Financial's revenue in the third quarter 2026?
CNB Financial (CCNE) reported revenue of $87.8M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +0.2% from the quarter before.
Was CNB Financial profitable in the third quarter 2026?
Operating profit was $33.2M (37.8% of revenue) and net earnings $28.1M.
Source: CNB Financial 10-Q on SEC EDGAR.