Pulling SEC filings + quote and writing the call…

CNB FINANCIAL CORP/PA
Next earnings Jul 20, 2026 · consensus $0.87 EPS, $80.1M rev
Last earnings -1.2% on 2026-04-20
Small-cap PA bank trading at 13.5x earnings — solid NIM expansion and growth, but ROE of 7.6% and heavy share dilution cap the upside.
Sources: SEC EDGAR (CIK 0000736772, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/25/2026, 2:27:39 PM.
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Middling fundamentals offset by an attractive price (~166% below fair value) — worth a look on the value angle.
CNB Financial put up a strong FY2025: net income jumped 21.2% to $66.1M and total assets grew 35.6% to $8.40B, driven by meaningful loan-book expansion (average mortgage loans rose from $2.92B to $3.73B, per the MD&A average-balance table). Net interest margin expanded from 3.39% to 3.65% as earning-asset yields held at 5.90% while deposit costs eased from 3.11% to 2.81% — a textbook NIM tailwind as the deposit beta works in reverse. The 10-K's IRR table shows the book is now modestly asset-sensitive (+100bps shock = +1.0% NII vs. +0.5% prior year), so the rate setup is mildly favorable rather than punishing.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $57.7M | $63.2M | $58.0M | $54.6M | $66.1M |
| Diluted EPS | $3.16 | $3.26 | $2.55 | $2.39 | $2.49 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Item 8.01 other-events disclosure; routine corporate update, no material financials.
Item 8.01 other-events filing; routine disclosure with no quantified impact.
Item 8.01 other-events with exhibit (likely dividend/press release).
Q1 2026 10-Q; first full quarter post-ESSA close, larger asset base reflected.
Annual meeting vote results filed; director/auditor proposals ratified.
Q1 2026 earnings release issued (Item 2.02) with results exhibit.
Q1 2026 earnings release issued (Item 2.02) with results exhibit.
FY25 10-K: NI $66M (+21%), assets $8.4B (+36%) after acquisition; NIM 3.65%.
1049 tracked peers · median
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 1 open-market buy · 3 sales
| 2026-06-05 | Straub Francis X III Director | Gift | 15.2K | |
| 2026-06-05 | Straub Francis X III Director | Gift | 5.25K | |
| 2026-06-04 | Mink Robin EVP/Chief TM Officer | Sell | 103.57 @ $30.53 | $3.16K |
| 2026-04-30 | PONTZER DEBORAH DICK Director | Sell | 244.00 @ $30.55 | $7.45K |
| 2026-04-27 | Higgins Carla M. SVP/Strategic Project Manager | Sell | 1.30K @ $30.45 | $39.6K |
| 2026-04-24 | Peduzzi Michael D President & CEO | Buy | 1.00K @ $30.35 | $30.4K |
| 2026-03-13 | Scott Nicholas N. Jr. Director | Buy | 375.00 @ $27.05 | $10.1K |
| 2026-02-23 | Mink Robin EVP/Chief TM Officer | Award | 445.00 @ $27.70 | $12.3K |
| 2026-02-23 | Mink Robin EVP/Chief TM Officer | Sell | 144.00 @ $27.70 | $3.99K |
| 2026-02-23 | Koptchak Heather J. SVP/Chief ofEmployee Resources | Award | 445.00 @ $27.70 | $12.3K |