CNB Financial (CCNE) Net Interest Margin Improvement Challenges Cautious Earnings Narratives

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Jan 29

CNB Financial (CCNE) just posted fourth quarter FY 2025 revenue of US$101.9 million and basic EPS of US$1.10, capping off a trailing twelve month run of US$273.3 million in revenue and US$2.50 in EPS ...

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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nCNB Financial (CCNE) Net Interest Margin Improvement Challenges Cautious Earnings Narratives\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-29 07:40 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-ccne/cnb-financial/news/cnb-financial-ccne-net-interest-margin-improvement-challenge><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>CNB Financial (CCNE) just posted fourth quarter FY 2025 revenue of US$101.9 million and basic EPS of US$1.10, capping off a trailing twelve month run of US$273.3 million in revenue and US$2.50 in EPS ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-ccne/cnb-financial/news/cnb-financial-ccne-net-interest-margin-improvement-challenge\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"CCNE","symbol_name":"CNB金融","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-ccne/cnb-financial/news/cnb-financial-ccne-net-interest-margin-improvement-challenge","article_id":"2607977961","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-ccne/cnb-financial/news/cnb-financial-ccne-net-interest-margin-improvement-challenge","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2607977961","pubTimestamp":1769643633,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"CNB Financial (CCNE) just posted fourth quarter FY 2025 revenue of US$101.9 million and basic EPS of US$1.10, capping off a trailing twelve month run of US$273.3 million in revenue and US$2.50 in EPS that reflects 23.9% earnings growth over the past year. Over that same twelve month stretch, net income reached US$61.4 million, and the bank paired a 3.65% net interest margin with a 61.49% cost to income ratio. Taken together, these figures offer a clear view of how efficiently the bank is...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":["earning"],"viewcount":null,"language":"en","relate_stocks":{"CCNE":"CNB金融"},"translate_title":"CNB Financial(CCNE)净息差改善挑战谨慎的盈利叙述","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CCNE":1.5},"content_text":"CNB Financial (CCNE) just posted fourth quarter FY 2025 revenue of US$101.9 million and basic EPS of US$1.10, capping off a trailing twelve month run of US$273.3 million in revenue and US$2.50 in EPS that reflects 23.9% earnings growth over the past year. Over that same twelve month stretch, net income reached US$61.4 million, and the bank paired a 3.65% net interest margin with a 61.49% cost to income ratio. Taken together, these figures offer a clear view of how efficiently the bank is converting lending activity into bottom line profit. See our full analysis for CNB Financial. With the latest numbers on the table, the next step is to see how this earnings profile lines up against the widely followed narratives around CNB Financial and where those stories might need a refresh. Curious how numbers become stories that shape markets? Explore Community Narratives NasdaqGS:CCNE Earnings & Revenue History as at Jan 2026 AdvertisementMargins Improve As Costs Ease  CNB Financial reported a 3.84% net interest margin and a 58.8% cost to income ratio in Q4 FY 2025, compared with trailing twelve month figures of 3.65% and 61.49%. This shows the latest quarter sitting ahead of the recent average on both spread and efficiency. What really supports the bullish storyline is that this margin profile sits alongside a 22.6% net profit margin over the last year, described as high quality. At the same time:\n     Quarterly cost to income moved from 68.62% in Q1 FY 2025 to 58.8% by Q4, while net interest margin moved from 3.37% to 3.84%. This aligns with the view that the bank is operating more efficiently than it was at the start of the year. Trailing twelve month net income of US$61.4 million on US$273.3 million of revenue is consistent with the view that profitability is not just a single quarter story but supported across the year.    To see how this profitability trend fits into the bigger story that other investors are watching, you can step back and look at the broader narrative that has been built around these numbers. 📊 Read the full CNB Financial Consensus Narrative. Asset Quality Metrics Shift Through The Year  Non performing loans moved between US$54.4 million and US$28.8 million across FY 2025, landing at US$39.9 million in Q4 on a trailing twelve month basis. This indicates that asset quality has not followed a straight line over the year. For anyone leaning toward a more cautious, bearish style read through the loan book, the mix of improving efficiency and this uneven non performing loan path creates a real tension:\n     Critics can point to Q1 FY 2025, when non performing loans sat at US$54.4 million, compared with US$39.9 million on the latest trailing view, as a sign that credit metrics have moved around rather than settling at one level. Supporters can instead note that Q4 FY 2025 net income of US$32.4 million came in alongside that US$39.9 million non performing loan figure, which shows the bank producing solid profit even while managing through those credit metrics.    Valuation Gap Versus DCF And Peers  With a share price of US$26.85 against a DCF fair value of about US$41.55, the stock sits roughly 35.4% below that model. Its trailing P/E of 12.7x is slightly higher than the US banks industry at 11.8x and peer average at 11.3x. Supporters who lean bullish often focus on that gap to the DCF fair value and the 23.9% trailing twelve month earnings growth, but the valuation picture is more layered than a simple discount story:\n     On one side, the combination of a 2.68% dividend yield and five year annualized earnings growth of 3.5% is the kind of mix that can appeal to income and compounding focused investors when the share price sits below an estimated fair value. On the other side, the recent substantial shareholder dilution and a P/E above both industry and peer levels mean skeptics can argue that, even at US$26.85, the market is already paying a relative premium for those earnings and the dividend stream.     Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on CNB Financial's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. See What Else Is Out There Even with improving margins and profit, some investors may be uneasy that CNB Financial's uneven non performing loan trends and recent shareholder dilution add extra risk. If those pressure points concern you, you may want to shift your focus toward companies with cleaner credit profiles and stronger cushions by checking out solid balance sheet and fundamentals stocks screener (386 results) today.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}