Financial Snapshot

Revenue
$241.8M
TTM
Gross Margin
Net Earnings
$52.35M
TTM
Current Assets
Current Liabilities
$86.19M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$606.4M
Q3 2024
Cash
Q3 2024
P/E
11.18
Nov 29, 2024 EST
Free Cash Flow
$52.21M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Revenue $293.7M $213.7M $179.6M $167.2M $155.7M $131.9M $108.9M $94.32M $87.18M $86.88M $71.42M $68.13M $65.71M
YoY Change 37.41% 19.01% 7.44% 7.35% 18.09% 21.12% 15.44% 8.19% 0.34% 21.66% 4.82% 3.68%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Revenue $293.7M $213.7M $179.6M $167.2M $155.7M $131.9M $108.9M $94.32M $87.18M $86.88M $71.42M $68.13M $65.71M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $7.739M $6.573M $6.241M $6.082M $5.963M $4.811M $5.242M $4.484M $4.039M $4.127M $2.641M $2.225M $2.075M $2.030M $2.000M $1.880M $1.720M $1.880M $1.860M $1.760M $1.670M $1.580M $3.010M $2.950M $2.040M $1.200M $1.120M
YoY Change 17.74% 5.32% 2.61% 2.0% 23.95% -8.22% 16.9% 11.02% -2.13% 56.27% 18.7% 7.23% 2.22% 1.5% 6.38% 9.3% -8.51% 1.08% 5.68% 5.39% 5.7% -47.51% 2.03% 44.61% 70.0% 7.14%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Interest Expense $103.9M $24.08M $19.82M $32.46M $39.53M $26.95M $17.37M $13.03M $12.47M $12.29M $12.21M $14.92M $17.58M
YoY Change 331.36% 21.49% -38.93% -17.9% 46.68% 55.2% 33.29% 4.47% 1.5% 0.61% -18.15% -15.13%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Pretax Income $71.83M $78.21M $70.78M $40.09M $48.64M $40.23M $36.25M $27.71M $30.49M $32.39M $23.02M $23.55M $20.63M $14.80M $10.90M $6.500M $12.40M $13.00M $12.10M $9.800M $11.90M $11.50M $8.800M $7.200M $6.100M $6.900M $6.300M
YoY Change -8.16% 10.51% 76.55% -17.58% 20.91% 10.97% 30.82% -9.11% -5.86% 40.7% -2.24% 14.12% 39.41% 35.78% 67.69% -47.58% -4.62% 7.44% 23.47% -17.65% 3.48% 30.68% 22.22% 18.03% -11.59% 9.52%
Income Tax $13.81M $15.03M $13.07M $7.347M $8.560M $6.510M $12.39M $7.171M $8.292M $9.314M $6.340M $6.411M $5.529M $3.500M $2.400M $1.300M $3.300M $3.400M $3.000M $2.000M $2.800M $2.800M $2.300M $1.800M $1.500M $1.800M $1.600M
% Of Pretax Income 19.22% 19.21% 18.47% 18.33% 17.6% 16.18% 34.18% 25.88% 27.2% 28.76% 27.54% 27.23% 26.8% 23.65% 22.02% 20.0% 26.61% 26.15% 24.79% 20.41% 23.53% 24.35% 26.14% 25.0% 24.59% 26.09% 25.4%
Net Earnings $58.02M $63.19M $57.71M $32.74M $40.08M $33.72M $23.86M $20.54M $22.20M $23.07M $16.68M $17.14M $15.10M $11.30M $8.500M $5.200M $9.100M $9.600M $9.100M $7.900M $9.100M $8.700M $6.500M $5.400M $4.600M $5.000M $4.700M
YoY Change -8.18% 9.5% 76.24% -18.31% 18.87% 41.32% 16.16% -7.46% -3.8% 38.34% -2.67% 13.45% 33.66% 32.94% 63.46% -42.86% -5.21% 5.49% 15.19% -13.19% 4.6% 33.85% 20.37% 17.39% -8.0% 6.38%
Net Earnings / Revenue 19.76% 29.56% 32.13% 19.59% 25.74% 25.57% 21.92% 21.78% 25.46% 26.56% 23.35% 25.15% 22.99%
Basic Earnings Per Share $2.56 $3.26 $3.16 $1.97 $2.63 $2.21 $1.57 $1.42 $1.54 $1.60 $1.29 $1.38 $1.23
Diluted Earnings Per Share $2.55 $3.26 $3.16 $1.97 $2.63 $2.21 $1.57 $1.42 $1.54 $1.60 $1.29 $1.38 $1.23 $1.066M $977.0K $604.7K $1.046M $1.067M $1.000M $858.7K $989.1K $956.0K $706.5K $587.0K $500.0K $543.5K $510.9K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $109.4M $100.8M $81.60M $78.50M $73.30M $49.90M $50.70M $49.50M $39.40M $35.40M $31.60M $24.10M $24.00M $24.10M $23.40M $23.60M $19.80M $16.20M $13.90M $13.80M $12.90M $12.10M $12.50M $12.80M $12.90M $10.70M $8.800M
YoY Change 8.49% 23.58% 3.95% 7.09% 46.89% -1.58% 2.42% 25.63% 11.3% 12.03% 31.12% 0.42% -0.41% 2.99% -0.85% 19.19% 22.22% 16.55% 0.72% 6.98% 6.61% -3.2% -2.34% -0.78% 20.56% 21.59%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $5.753B $5.475B $5.329B $4.729B $3.764B $3.222B $2.769B $2.574B $2.285B $2.189B $2.131B $1.773B $1.602B $1.414B $1.162B $1.017B $858.7M $780.9M $764.0M $725.2M $701.8M $668.8M $592.8M $555.4M $561.2M $468.9M $372.9M
YoY Change
Accounts Payable $40.13M $50.89M $44.20M $40.10M $37.40M $32.00M $28.90M $30.00M $27.00M $21.30M $22.50M $24.30M $21.40M $13.90M $13.30M $10.60M $9.600M
YoY Change -21.15% 15.14% 10.22% 7.22% 16.88% 10.73% -3.67% 11.11% 26.76% -5.33% -7.41% 13.55% 53.96% 4.51% 25.47% 10.42%
Accrued Expenses $37.65M $33.73M $21.20M $19.40M $19.40M $7.100M $5.000M $7.300M $8.200M $9.300M $8.000M $5.600M $6.000M $5.100M $3.100M
YoY Change 11.63% 59.08% 9.28% 0.0% 42.0% -31.51% -10.98% -11.83% 16.25% 42.86% -6.67% 17.65% 64.52%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $132.4M $0.00 $34.40M $134.1M $116.3M $36.00M $13.00M $23.50M
YoY Change -100.0% -100.0% -74.35% 15.31% 223.06% 176.92% -44.68%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $77.78M $84.62M $65.40M $59.50M $56.80M $32.00M $28.90M $30.00M $27.00M $21.30M $22.50M $24.30M $21.40M $13.90M $13.30M $10.60M $9.600M $7.100M $5.000M $7.300M $8.200M $9.300M $8.000M $5.600M $6.000M $5.100M $3.100M
YoY Change -8.08% 29.38% 9.92% 4.75% 77.5% 10.73% -3.67% 11.11% 26.76% -5.33% -7.41% 13.55% 53.96% 4.51% 25.47% 10.42% 35.21% 42.0% -31.51% -10.98% -11.83% 16.25% 42.86% -6.67% 17.65% 64.52%
Long-Term Debt $105.2M $105.0M $104.8M $71.20M $71.20M $70.60M $70.60M $70.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $10.30M $10.30M $10.30M $10.30M $10.30M $700.0K $13.30M $6.800M $16.40M $8.100M
YoY Change 0.2% 0.16% 47.19% 0.0% 0.85% 0.0% 0.0% 242.72% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 0.0% 0.0% 0.0% 0.0% 1371.43% -94.74% 95.59% -58.54% 102.47%
Other Long-Term Liabilities $400.0K $800.0K $500.0K $200.0K $200.0K $6.900M
YoY Change -50.0% 60.0% 150.0% 0.0% -97.1%
Total Long-Term Liabilities $105.2M $105.0M $105.2M $72.00M $71.70M $70.80M $70.80M $77.50M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $20.60M $10.30M $10.30M $10.30M $10.30M $10.30M $700.0K $13.30M $6.800M $16.40M $8.100M
YoY Change 0.2% -0.22% 46.11% 0.42% 1.27% 0.0% -8.65% 276.21% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% 0.0% 0.0% 0.0% 0.0% 1371.43% -94.74% 95.59% -58.54% 102.47%
Total Liabilities $5.182B $4.944B $4.886B $4.313B $3.459B $2.959B $2.525B $2.362B $2.083B $2.001B $1.966B $1.628B $1.470B $1.304B $1.092B $954.1M $789.4M $708.6M $694.1M $656.5M $635.3M $606.8M $537.9M $504.2M $513.5M $419.5M $330.7M
YoY Change 4.8% 1.19% 13.28% 24.71% 16.9% 17.18% 6.9% 13.38% 4.12% 1.74% 20.81% 10.71% 12.76% 19.38% 14.47% 20.86% 11.4% 2.09% 5.73% 3.34% 4.7% 12.81% 6.68% -1.81% 22.41% 26.85%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $585.3 Million

About CNB FINANCIAL CORP/PA

CNB Financial Corp. is a financial holding company, which engages in the provision of banking and financial solutions. The company is headquartered in Clearfield, Pennsylvania and currently employs 765 full-time employees. The firm conducts business primarily through its principal subsidiary, CNB Bank (the Bank). The Bank is a full-service bank engaging in a full range of banking activities and services, including trust and wealth management services, for individual, business, governmental and institutional customers. The Bank's operations include a private banking division, two loan production offices, one drive-up office, one mobile office and 51 full-service offices in Pennsylvania, Ohio, New York and Virginia. Its ERIEBANK division operates in the Pennsylvania counties of Crawford, Erie, and Warren and in the Ohio counties of Ashtabula, Cuyahoga, Geauga, Lake, and Lorain. Its FCBank division operates in the Ohio counties of Crawford, Delaware, Franklin, Knox, Marion, Morrow and Richland. Its BankOnBuffalo division operates in the New York counties of Erie and Niagara. Its Impressia Bank division operates in the Bank's primary market areas.

Industry: State Commercial Banks Peers: ARROW FINANCIAL CORP CAPITAL CITY BANK GROUP INC COASTAL FINANCIAL CORP FIRST COMMUNITY BANKSHARES INC /VA/ HBT Financial, Inc. MetroCity Bankshares, Inc. Midland States Bancorp, Inc. PNC FINANCIAL SERVICES GROUP, INC.