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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
CNB Financial Corporation
CNB Financial Corporation (CCNE) investor relations material
CNB Financial Corporation Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 net income available to common shareholders was $27.0 million and diluted EPS was $0.91; 9M net income available to common shareholders reached $80.2 million and diluted EPS $2.69, a record for comparable periods.
Q3 net interest income rose to $76.3 million from $67.1 million YoY, supported by loan growth, margin improvement and the ESSA acquisition.
Loans grew while deposits declined QoQ following a strategic exit of higher-cost corporate balances; asset quality remained stable by NPA ratio, while securities unrealized losses increased.
Financial highlights
Q3 revenue was $87.8 million versus $77.7 million YoY; 9M revenue was $258.8 million versus $195.8 million.
Q3 net interest income was $76.3 million, up $9.2 million or 13.67% YoY; 9M net interest income was $226.0 million, up $58.2 million or 34.70%.
Q3 noninterest income was $11.5 million and 9M was $32.8 million, supported by wealth, treasury, card and deposit-service income; Q3 included a $1.1 million wealth-platform transition fee.
Noninterest expense was $51.1 million in Q3 and $151.0 million in 9M 2026; excluding 2025 merger costs, expense increased 11.09% and 21.02%, respectively.
Q3 adjusted diluted EPS was $0.91 versus $0.82 in Q3 2025; 9M adjusted diluted EPS was $2.69 versus $2.05, excluding after-tax merger expenses.
Outlook and guidance
Management expects margin stability into Q4 and 2027, with new loan production and investment portfolio accretion potentially supporting NIM as deposit rates face upward pressure.
Loan pipelines held near $1 billion for two quarters; management cited confidence entering Q4 and aims to sustain pipeline levels into 2027.
Q4 expenses may rise modestly from incentive compensation and merit increases; 2027 expense growth is expected to be reasonable, with technology investment planned.
Calling the remaining $35 million of subordinated debt is a capital priority and could occur by June 2027 if earnings and projections remain on track.
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Latest events from CNB Financial Corporation
- Q2 2026 net income increased to $27.2M, with strong loan growth and improved efficiency.CCNE
Q2 2026 - Registering up to $150 million in securities to fund growth, acquisitions, and general purposes.CCNERegistration filing
- Registering up to $150 million in securities to fund growth, acquisitions, and capital needs.CCNERegistration filing
- Q1 2026 net income rose 54% year-over-year, driven by ESSA acquisition and strong capital ratios.CCNEQ1 2026
- Annual meeting covers director elections, executive pay, auditor ratification, and ESG priorities.CCNEProxy Filing
- $5.9B in assets, 9.85% ROATCE, and 0.62% NPAs/assets highlight robust performance.CCNE25th Annual KBW Community Bank Investor Conference Presentation
- Earnings dipped in 2024, but growth in loans, deposits, and a key merger signal ongoing expansion.CCNEASM 2025 presentation
- $8.3B in assets, strong loan growth, 6.6% TBV CAGR, and improved efficiency in Q3 2025.CCNEInvestor presentation
- Q4 2025 net income surged, with strong organic growth and benefits from the ESSA acquisition.CCNEQ4 2025
Next CNB Financial Corporation earnings date
Q4 202622 Jan, 2027
CNB Financial Corporation
Next CNB Financial Corporation earnings date
Q4 202622 Jan, 2027
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Frequently asked questions
CNB Financial Corporation is a bank holding company. It operates primarily through its subsidiary, CNB Bank, providing a comprehensive range of banking services to individual, business, governmental, and institutional customers. The company's offerings include various deposit accounts like checking, savings, and time deposits. It also provides loans for real estate, commercial, industrial, residential, and consumer purposes. Additionally, CNB Financial offers private banking, wealth management, and asset management services, including the administration of trusts, estates, and retirement plans. The company is headquartered in Clearfield, Pennsylvania, and its shares are listed on the NASDAQ.