CCNE PRESS-RELEASE SEC Filing Analysis

Latest settled — T+20d

CCNE ▲ +0.57% at T+20d

LONG call ✓ call won +0.57% · α vs SPY -4.35% · entry $29.90 → $30.07

Next anchor: T+60d in 5w

Last close $31.37 (close Jun 8) · +4.92% from $29.90 entry

Entry anchored
Apr 20, 03:59 PM ET
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T+20d

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$30.07

settled 23d ago

T+60d

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Executive Summary

CNB Financial (CCNE) reported Q4 2025 EPS of $0.88, beating consensus of $0.80 by 9.2%, driven by lower non-interest expenses and improved operating efficiency. Revenue was $83.3M, below the $79.0M consensus, with net interest margin stable at 3.83%. Loan balances declined due to $71.4M in CRE prepayments, while deposits grew organically by 1.62% annualized.

Actionable Insight

The EPS beat and improved efficiency ratio signal successful post-merger integration and cost discipline. Despite loan runoff, strong deposit growth and a clean credit profile support future earning asset expansion. Monitor next quarter for loan growth inflection and NIM trajectory.

Key Facts

EPS of $0.88 vs. consensus of $0.80, representing a 9.2% beat
Revenue of $83.3M, above the $79.0M consensus estimate
Net interest margin held steady at 3.83% (3.84% on fully tax-equivalent basis)
Organic loan balances decreased 1.41% (5.73% annualized) due to $71.4M in CRE prepayments from ESSA acquisition
Organic deposit growth of $115.0M, or 1.62% (6.55% annualized), driven by municipal and corporate relationships
Efficiency ratio improved to 59.03% from 69.55% in prior quarter, excluding merger costs
Tangible book value per share increased to $23.97 from $23.48, up 0.38% vs. adjusted prior quarter

Financial Impact

EPS beat by $0.07, revenue beat by $4.3M; efficiency gains and margin stability support profitability

epsrevenuenetInterestMarginefficiencyRatiotangibleBookValue

Risk Factors

Loan portfolio declined due to CRE prepayments, raising concerns about near-term yield pressure
Nonperforming assets rose to 0.58% of total assets from 0.50%, driven by one commercial relationship
Pre-tax net unrealized losses on securities increased to 5.83% of equity, up from 5.39% last quarter

Market Snapshot

Exchange

Nasdaq

Sector

State Commercial Banks

Documents Analyzed

This report is based on 1 press release from GlobeNewswire.

Document	Accession Number
PRESS-RELEASE Data (Synthetic)	press-3277465

4 reports for CCNE

T+1T+5T+20T+60

Filters

Reports for CCNE — sortable, filterable
	Type				Now
Apr 24, 2026 6w ago	Insider Cluster NEUTRAL ★ 2/10	$30.17 $30.81	▲ +2.12%	▼ −1.90%	$31.37 (+3.98%)
Apr 24, 2026 6w ago	Insider Cluster NEUTRAL ★ 2/10	$30.17 $30.81	▲ +2.12%	▼ −1.90%	$31.37 (+3.98%)
Apr 20, 2026 7w ago	Press Release BULLISH ★ 7/10	$29.90 $30.07	▲ +0.57%	▼ −4.35%	$31.37 (+4.92%)
Apr 14, 2026 8w ago	Press Release NEUTRAL ★ 3/10	$30.50 $30.50	· 0.00%	▼ −6.04%	$31.37 (+2.85%)

US Market Status

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