CNB Financial (CCNE)
Operates CNB Bank and local divisions across Pennsylvania, Ohio, New York, and Virginia.
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Runs a community-banking franchise through CNB Bank, taking deposits, making commercial, real estate, residential, and consumer loans, and offering wealth and treasury services. The model keeps financial-service operations aggregated for segment reporting while using local division brands in Pennsylvania, Ohio, New York, and Virginia.
Provides banking and related services through CNB Bank, the 1865 Clearfield lineage now organized as a Pennsylvania financial holding company. Core services include checking, savings, and time deposits; commercial, real estate, residential, and consumer loans; treasury services; private banking; and wealth and asset management.
Uses local-market division brands rather than separate reportable businesses. CNB Bank, ERIEBANK, FCBank, BankOnBuffalo, Ridge View Bank, ESSA Bank, and Impressia Bank cover markets in Pennsylvania, Ohio, New York, and Virginia, while Holiday Financial Services adds small-balance consumer finance.
Execution depends on community relationships, branch and digital service, credit discipline, and integration of acquired markets such as ESSA. The business is shaped by bank regulation, deposit competition, loan demand, and credit conditions in its regional footprint.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 26, 2026 | Raymond James | Initiate | Rating: —Target: — | Target: $39 |
| Jul 27, 2026 | DA Davidson | Reiterate | Rating: —Target: $34 | Target: $36 |
| May 15, 2026 | D.A. Davidson | Target | Target: — | Target: $34 |
| Feb 11, 2026 | Stephens | Target | Target: — | Target: $35 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $86.6M · Total debt $280.3M · Total assets $8.43B · Shareholders' equity $909.4M
- Revenue
- $127.0M
- Operating income
- $35.2M
- Net income
- $28.3M
HistoryDividendAnnual yield
| Institutions | ≈ 66.95% | 19.83M shares | |
|---|---|---|---|
| 170 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 2.79% | 825.0K shares | |
| 26 holders · as of Aug 5, 2026 | |||
| Other | ≈ 30.26% | 8.96M shares | |
| remainder | |||
29.62M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Wellington Management Group LLPInstitution | 8.19% | 2.42M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 7.81% | 2.31M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 5.28% | 1.56M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.25% | 1.26M | as of Jun 30, 2026 |
Davis Asset Management, L.P.Institution | 3.21% | 950,000 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 5, 2026 | Michael D. Peduzzi | director, officer: President & CEO | +1,100 | $35.37 |
| Jun 4, 2026 | Robin Mink | officer: EVP/Chief TM Officer | −104 | $30.53 |
| Apr 30, 2026 | Deborah Dick Pontzer | director | −244 | $30.55 |
| Apr 27, 2026 | Carla M. Higgins | officer: SVP/Strategic Project Manager | −1,300 | $30.45 |
| Apr 24, 2026 | Michael D. Peduzzi | director, officer: President & CEO | +1,000 | $30.35 |
- F.N.B.
Broad PA/OH/VA rival in commercial, retail, and wealth banking
- First Commonwealth Financial
Direct PA/OH community-bank rival with similar product breadth
- Northwest Bancshares
PA/NY/OH retail and commercial banking peer with wealth overlap
- S&T Bancorp
Western PA/OH bank peer across deposits, loans, cash management
- Community Financial System
NY/Northeast PA banking peer with treasury and wealth overlap
- WesBanco
Multi-state OH/PA/VA banking peer with wealth and trust overlap
- M&T Bank
Large NY/PA/VA bank rival in commercial, deposits, and trust
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| CNB Financial | $33.72 | −0.12% | $1.01B | 11.0 | 9.5 | 2.1 | +55.7% |
| F.N.B. | $17.62 | −0.06% | $6.38B | 10.7 | 9.9 | 2.4 | +5.6% |
| First Commonwealth Financial | $20.74 | −0.02% | $2.14B | 12.9 | 11.1 | 3.4 | +6.5% |
| Northwest Bancshares | $12.26 | −19.42% | $2.24B | 14.8 | 10.8 | 2.7 | +21.2% |
| S&T Bancorp | $49.25 | 0.00% | $1.75B | 13.3 | 12.4 | 3.1 | +5.2% |
| Community Financial System | $61.14 | −0.05% | $3.21B | 14.2 | 12.6 | 3.1 | +9.6% |
| WesBanco | $38.49 | 0.00% | $3.75B | 11.0 | 10.6 | 2.5 | +6.3% |
| M&T Bank | $223.42 | −0.03% | $32.89B | 12.0 | 11.2 | 2.6 | +5.7% |
| Median | 12.9 | 11.1 | 2.7 | +6.3% |