CNB Financial Corporation (CCNE) Balance Sheet
CCNE balance sheet, 2025
December 31, 2025 · U.S. dollars$8.40B assets = $7.52B liabilities + $872.1M equity
Both columns are drawn to the same scale: what CCNE owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CCNE financial health
Descriptive bands, not a rating. Fiscal 2025.
CCNE balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.57B2016 | $8.40B2025 | +14.0%/yr | |
| Total liabilities | $2.36B2016 | $7.52B2025 | +13.7%/yr | |
| Shareholders’ equity | $211.8M2016 | $872.1M2025 | +17.0%/yr | |
| Cash & short-term investments | $525.0M2016 | $942.9M2025 | +6.7%/yr | |
| Total debt | $307.6M2016 | $313.2M2025 | +0.2%/yr | |
| Net cash (debt) | $217.4M2016 | $629.7M2025 | +$412.3M | |
| Working capital | −$1.60B2016 | −$6.25B2025 | −$4.6B | |
| Book value per share | $14.732016 | $35.352025 | +10.2%/yr | |
| Debt / equity | 1.452016 | 0.362025 | −1.09 | |
| Shares outstanding | 14.4M2016 | 24.7M2025 | +6.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CCNE assets
CCNE liabilities and equity
CCNE debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CCNE balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $942.9M | $846.5M | $564.0M | $477.7M | $1.43B | $1.12B | $735.3M | $562.4M | $445.1M | $525.0M |
| Cash & equivalents | $527.9M | $443.0M | $221.9M | $106.3M | $732.2M | $532.7M | $193.0M | $45.6M | $35.3M | $29.2M |
| Short-term investments | $415.0M | $403.5M | $342.0M | $371.4M | $697.2M | $584.9M | $542.3M | $516.9M | $409.7M | $495.8M |
| Receivables | $6.43B | $4.56B | $4.42B | $62.1M | $40.7M | $37.4M | $24.9M | $24.3M | $20.4M | $23.3M |
| Inventory | $0 | $0 | −$4.37B | −$137.5M | −$758.8M | −$557.9M | −$215.9M | $418,000 | −$52.5M | −$43.3M |
| Other current assets | $0 | $0 | $0 | $137.5M | $758.8M | $557.9M | $215.9M | $0 | $52.5M | $43.3M |
| Total current assets | $942.9M | $846.5M | $564.0M | $539.8M | $1.47B | $1.15B | $760.2M | $586.7M | $465.5M | $548.3M |
| Property, plant & equipment (net) | $148.5M | $128.7M | $109.4M | $100.8M | $81.6M | $78.5M | $73.3M | $49.9M | $50.7M | $49.5M |
| Goodwill & intangible assets | $124.8M | $45.3M | $45.7M | $45.9M | $44.2M | $44.3M | $40.5M | $41.0M | $41.7M | $43.0M |
| Long-term investments | $837.3M | $785.1M | $740.2M | $785.8M | $707.6M | $621.1M | $3.37B | $524.6M | $2.16B | $1.89B |
| Other non-current assets | $6.34B | $4.39B | $4.29B | $4.00B | $3.03B | $2.83B | $0 | $2.02B | $55.0M | $44.3M |
| Total assets | $8.40B | $6.19B | $5.75B | $5.48B | $5.33B | $4.73B | $3.76B | $3.22B | $2.77B | $2.57B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $51.3M | $45.0M | $41.4M | $38.5M | $32.2M | $29.1M | $30.4M |
| Short-term debt | $164.0M | — | $2.7M | $264.8M | $1.7M | $1.7M | $227.9M | $245.1M | $34.4M | $104.0M |
| Deferred revenue | — | — | — | — | $43.3M | $39.8M | −$667,000 | −$15.4M | — | — |
| Total current liabilities | $7.19B | $5.37B | $5.00B | $4.94B | $45.0M | $41.4M | $3.37B | $2.89B | $2.23B | $2.15B |
| Long-term debt | $105.5M | $105.2M | $104.9M | $104.6M | $104.3M | $70.6M | $70.6M | $70.6M | $70.6M | $70.6M |
| Lease obligations | $43.7M | $40.3M | $37.6M | $33.7M | $21.2M | $19.4M | $19.4M | — | — | — |
| Other long-term liabilities | $227.7M | $104.8M | $78.1M | $0 | $0 | $0 | $19.4M | $0 | $222.9M | $139.5M |
| Total liabilities | $7.52B | $5.58B | $5.18B | $4.94B | $4.89B | $4.31B | $3.46B | $2.96B | $2.52B | $2.36B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | — | — | — | — | — | — | — | — | $0 | $0 |
| Retained earnings (deficit) | $424.9M | $381.3M | $345.9M | $306.9M | $260.6M | $218.7M | $201.5M | $171.8M | $148.3M | $134.3M |
| Treasury stock | — | — | — | — | −$2.5M | −$3.0M | −$2.8M | −$2.6M | −$1.1M | −$127,000 |
| Accumulated other comprehensive income | −$30.7M | −$43.6M | −$46.1M | −$52.5M | −$394,000 | $15.1M | $6.9M | −$4.0M | −$343,000 | −$121,000 |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $872.1M | $610.7M | $571.2M | $530.8M | $442.8M | $416.1M | $305.0M | $262.8M | $243.9M | $211.8M |
| Key figures | ||||||||||
| Total debt | $313.2M | $145.5M | $142.5M | $403.1M | $106.0M | $72.3M | $317.9M | $315.7M | $328.0M | $307.6M |
| Net cash (debt) | $629.7M | $701.0M | $421.5M | $74.6M | $1.32B | $1.05B | $417.4M | $246.7M | $117.1M | $217.4M |
| Working capital | −$6.25B | −$4.52B | −$4.43B | −$4.40B | $1.43B | $1.11B | −$2.61B | −$2.30B | −$1.77B | −$1.60B |
| Tangible book value | $747.3M | $565.4M | $525.5M | $484.8M | $398.6M | $371.8M | $264.5M | $221.9M | $202.2M | $168.8M |
| Book value per share | $35.35 | $29.22 | $27.27 | $25.27 | $26.33 | $26.01 | $20.11 | $17.28 | $16.12 | $14.73 |
| Shares outstanding | 24.7M | 20.9M | 20.9M | 21.0M | 16.8M | 16.0M | 15.2M | 15.2M | 15.1M | 14.4M |
| Current ratio | 0.13 | 0.16 | 0.11 | 0.11 | 32.64 | 27.87 | 0.23 | 0.20 | 0.21 | 0.25 |
| Quick ratio | 1.02 | 1.01 | 1.00 | 0.11 | 32.64 | 27.87 | 0.23 | 0.20 | 0.21 | 0.25 |
| Debt / equity | 0.36 | 0.24 | 0.25 | 0.76 | 0.24 | 0.17 | 1.04 | 1.20 | 1.34 | 1.45 |
| Equity / assets | 10.4% | 9.9% | 9.9% | 9.7% | 8.3% | 8.8% | 8.1% | 8.2% | 8.8% | 8.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $86.6M | $78.7M | $942.9M | $815.6M | $948.6M | $966.7M | $846.5M | $739.9M | $691.0M | $650.0M | $564.0M | $517.7M |
| Cash & equivalents | $86.6M | $78.7M | $527.9M | $438.1M | $425.4M | $520.2M | $443.0M | $360.9M | $331.1M | $301.5M | $222.0M | $182.6M |
| Short-term investments | $692.5M | $695.5M | $415.0M | $377.5M | $523.2M | $446.6M | $403.5M | $379.0M | $359.9M | $348.6M | $342.0M | $335.1M |
| Receivables | $33.1M | $34.1M | $6.43B | $6.40B | $4.69B | $0 | $0 | $4.55B | $4.43B | $4.39B | $4.42B | $69.9M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$5.00B | −$4.38B | −$4.69B | −$4.37B | −$4.66B |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $454.2M | $0 | $301.5M | $0 | $4.66B |
| Total current assets | $119.7M | $112.9M | $942.9M | $815.6M | $948.6M | $966.7M | $846.5M | $739.9M | $691.0M | $650.0M | $564.0M | $587.7M |
| Property, plant & equipment (net) | $87.9M | $146.3M | $148.5M | $150.0M | $129.2M | $128.5M | $128.7M | $119.5M | $114.5M | $110.5M | $109.4M | $109.3M |
| Goodwill & intangible assets | $119.1M | $121.2M | $124.8M | $131.1M | $45.2M | $45.2M | $45.3M | $45.5M | $45.6M | $45.6M | $45.7M | $45.8M |
| Long-term investments | $907.2M | $931.6M | $837.3M | $793.3M | $804.2M | $808.9M | $785.1M | $717.5M | $724.1M | $739.9M | $740.2M | $735.4M |
| Other non-current assets | $7.20B | $7.20B | $6.34B | $6.36B | $4.39B | $4.35B | $4.39B | $4.39B | $4.31B | $4.26B | $4.29B | $4.25B |
| Total assets | $8.43B | $8.51B | $8.40B | $8.25B | $6.32B | $6.30B | $6.19B | $6.01B | $5.89B | $5.80B | $5.75B | $5.73B |
| Liabilities | ||||||||||||
| Accounts payable | — | — | — | — | — | — | — | — | — | — | — | $37.1M |
| Short-term debt | $166.4M | $167.6M | $164.0M | $181.6M | $2.1M | $2.7M | $3.6M | $686,000 | $1.3M | $2.0M | $2.7M | $869,000 |
| Deferred revenue | — | — | — | — | — | — | — | — | — | — | — | $36.2M |
| Total current liabilities | $166.4M | $167.6M | $7.19B | $7.08B | $5.47B | $5.46B | $5.37B | $5.22B | $5.11B | $5.04B | $5.00B | $5.04B |
| Long-term debt | $55.6M | $105.6M | $105.5M | $105.4M | $105.3M | $105.3M | $105.2M | $105.1M | $105.0M | $105.0M | $104.9M | $104.8M |
| Lease obligations | $42.7M | $43.1M | $43.7M | $44.1M | $39.8M | $40.0M | $40.3M | $39.7M | $37.2M | $37.8M | $37.6M | $38.0M |
| Other long-term liabilities | $7.30B | $7.35B | $227.7M | $222.8M | $108.8M | $105.7M | $104.8M | $86.4M | $84.0M | $80.3M | $78.1M | $38.0M |
| Total liabilities | $7.52B | $7.63B | $7.52B | $7.41B | $5.68B | $5.67B | $5.58B | $5.41B | $5.30B | $5.22B | $5.18B | $5.18B |
| Shareholders' equity | ||||||||||||
| Retained earnings (deficit) | $466.9M | $445.3M | $424.9M | $397.7M | $397.0M | $387.9M | $381.3M | $371.1M | $362.0M | $353.8M | $345.9M | $336.7M |
| Accumulated other comprehensive income | −$36.6M | −$34.3M | −$30.7M | −$30.6M | −$33.5M | −$36.5M | −$43.6M | −$37.3M | −$47.4M | −$47.2M | −$46.1M | −$58.5M |
| Total shareholders' equity | $909.4M | $889.1M | $872.1M | $844.2M | $637.3M | $624.5M | $610.7M | $606.4M | $586.7M | $578.6M | $571.2M | $549.2M |
| Key figures | ||||||||||||
| Total debt | $280.3M | $330.7M | $313.2M | $331.1M | $145.1M | $145.3M | $145.5M | $144.8M | $142.2M | $142.8M | $142.5M | $142.8M |
| Net cash (debt) | −$193.7M | −$252.0M | $629.7M | $484.4M | $803.5M | $821.5M | $701.0M | $595.1M | $548.8M | $507.2M | $421.5M | $374.9M |
| Working capital | −$46.6M | −$54.7M | −$6.25B | −$6.27B | −$4.52B | −$4.49B | −$4.52B | −$4.48B | −$4.42B | −$4.39B | −$4.43B | −$4.45B |
| Tangible book value | $790.3M | $767.9M | $747.3M | $713.1M | $592.1M | $579.3M | $565.4M | $560.9M | $541.1M | $533.0M | $525.5M | $503.4M |
| Book value per share | $30.84 | $30.20 | $29.66 | $36.58 | $30.46 | $29.85 | $29.20 | $29.00 | $28.08 | $27.70 | $27.34 | $26.28 |
| Shares outstanding | 29.5M | 29.4M | 29.4M | 23.1M | 20.9M | 20.9M | 20.9M | 20.9M | 20.9M | 20.9M | 20.9M | 20.9M |
| Current ratio | 0.72 | 0.67 | 0.13 | 0.12 | 0.17 | 0.18 | 0.16 | 0.14 | 0.14 | 0.13 | 0.11 | 0.12 |
| Quick ratio | 0.72 | 0.67 | 1.02 | 1.02 | 1.03 | 0.18 | 0.16 | 1.01 | 1.00 | 1.00 | 1.00 | 0.12 |
| Debt / equity | 0.31 | 0.37 | 0.36 | 0.39 | 0.23 | 0.23 | 0.24 | 0.24 | 0.24 | 0.25 | 0.25 | 0.26 |
| Equity / assets | 10.8% | 10.4% | 10.4% | 10.2% | 10.1% | 9.9% | 9.9% | 10.1% | 10.0% | 10.0% | 9.9% | 9.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 11, 2026); data from EODHD.
CCNE financial position
At the end of fiscal 2025 (December 31, 2025), CNB Financial had total assets of $8.4 billion (up 35.6% from a year earlier), total liabilities of $7.5 billion and shareholders' equity of $872.1 million. It held $942.9 million in cash and short-term investments against $313.2 million of debt, a net cash position of $629.7 million. Its current ratio was 0.13. In the latest quarter (ended June 30, 2026) total assets were $8.4 billion and equity $909.4 million.
Related: CCNE income statement, CCNE cash flow statement, CCNE key metrics. See the CCNE stock overview for the latest quote and news.
CCNE balance sheet FAQ
What are CNB Financial's total assets?
CNB Financial reported total assets of $8.4 billion at the end of fiscal 2025 (December 31, 2025), compared with $6.2 billion a year earlier.
How much debt does CNB Financial have?
CNB Financial had $313.2 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.36.
How much cash does CNB Financial have?
CNB Financial held $942.9 million in cash and short-term investments at the end of fiscal 2025; with $313.2 million of debt that is net cash of $629.7 million.
What is CNB Financial's book value?
CNB Financial's shareholders' equity (book value) was $872.1 million at the end of fiscal 2025, or $35.35 per share.
What is CNB Financial's current ratio?
CNB Financial had current assets of $942.9 million and current liabilities of $7.2 billion, a current ratio of 0.13 (current liabilities exceed current assets).
How much goodwill does CNB Financial have?
CNB Financial carried $124.8 million of goodwill and intangible assets, 1.5% of total assets, at the end of fiscal 2025.