earnings
confidence high
sentiment positive
materiality 0.70
CNB Financial Q4 net income $32.6M ($1.10 EPS); adjusted EPS $0.87, up 6% QoQ
CNB FINANCIAL CORP/PA
2025-FY EPS
reported $2.49
vs consensus $0.80
▲ beat
(+210.0%)
- Net income $32.6M ($1.10 diluted EPS) vs $6.0M ($0.22) in Q3 2025 and $14.0M ($0.66) in Q4 2024.
- Adjusted earnings (non-GAAP) $25.8M ($0.87 diluted EPS), up 14.7% from $22.5M ($0.82) in Q3 2025.
- Organic loan growth $26.6M (1.65% annualized) in Q4; full-year organic loan growth $218.8M (4.83%).
- Organic deposit growth $122.1M (8.75% annualized) in Q4; full-year organic deposit growth $288.1M (5.36%).
- Net interest margin 3.84% vs 3.69% prior quarter; nonperforming assets 0.50% of total assets.