CNB Financial reports Q3 GAAP EPS $0.22; adjusted EPS $0.82; completes ESSA acquisition

CNB FINANCIAL CORP/PA

2025-Q3 EPS reported $1.26 vs consensus $0.74 ▲ beat (+69.6%)

Net income available to common shareholders of $6.0M ($0.22 diluted EPS) vs $12.9M ($0.61) in Q2 2025; adjusted earnings $22.5M ($0.82), up 70% from Q2.
Completed ESSA Bancorp acquisition on July 23, adding $2.1B in assets ($1.7B loans) and 20 branches in Northeastern Pennsylvania.
Organic loan growth of $90.8M (1.95% or 7.74% annualized) excluding acquired loans; total loans $6.4B as of Sept 30.
Net interest margin improved to 3.69% from 3.60% in Q2 2025, including $3.4M purchase accounting loan accretion.
Nonperforming assets $40.4M (0.49% of assets), up $10.6M primarily from acquired ESSA loans; net charge-offs low at 0.06% annualized.

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