CNB Financial Corporation (CCNE) Q3 2026 earnings summary

Executive summary

• Q3 2026 net income available to common shareholders was $27.0 million, or $0.91 per diluted share, versus $18.9 million and $0.69 YoY; Q3 2025 adjusted earnings were $22.5 million and $0.82 per share.

• 9M 2026 net income reached $80.2 million, or $2.69 per diluted share, a record for comparable periods; 9M 2025 adjusted earnings were $47.6 million and $2.05 per share.

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 rose $9.2 million, or 13.67%, YoY; 9M increased $58.2 million, or 34.70%.

• Q3 noninterest income was $11.5 million and 9M was $32.8 million; Q3 included a $1.1 million wealth-platform transition fee.

• Q3 noninterest expense was $51.1 million, up $0.4 million QoQ; 9M expense was $151.0 million, up $26.2 million or 21.02% excluding 2025 merger costs, primarily from acquisition-related operating costs.

• Q3 income tax expense was $5.2 million at a 15.53% effective rate, including $1.2 million of renewable energy tax credits; 9M expense was $18.1 million at 17.84%.

Outlook and guidance

• Management cited a sound loan-production pipeline and retail and treasury-management deposit growth opportunities entering Q4; priorities include sustaining positive NIM and accelerating the post-acquisition earn-back period.

• Management expects operating momentum from the expanded revenue base and efficiencies following the ESSA acquisition, alongside growth in legacy banking relationships.