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Dec 31, 2025
CNB Financial Q4 2025 Earnings Report
CNB Financial reported strong fourth quarter results, with net income and EPS significantly higher compared to the previous quarter.
Key Takeaways
CNB Financial delivered a robust Q4 2025 performance driven by strong net interest income and growth in both loans and deposits, following the successful integration of the ESSA acquisition.
Net income reached $32.6 million in Q4 2025, up from $14.0 million a year ago.
EPS increased to $1.10, with adjusted EPS at $0.87 for the quarter.
Revenue grew to $86.4 million, driven by higher net interest income and non-interest income.
Net interest margin expanded to 3.84% amid organic and acquisition-related loan growth.
Forward Guidance
CNB expects continued growth supported by strong liquidity, stable credit trends, and operational efficiencies following the ESSA integration.
Positive Outlook
- Full-quarter benefit from ESSA acquisition expected to boost earnings.
- Strong net interest margin supports profitability.
- Increased operating leverage from scaled operations.
- Sound capital position enables strategic expansion.
- Loan growth driven by Ridge View Bank and BankOnBuffalo divisions.
Challenges Ahead
- Non-interest expense remains elevated post-integration.
- Credit loss provisioning may fluctuate with economic conditions.
- Short-term borrowings increased vs. prior year.
- Potential regulatory capital impacts from unrealized securities losses.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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