CNB Financial Corporation (CCNE) - Net Assets
Based on the latest financial reports, CNB Financial Corporation (CCNE) has net assets worth $872.13 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($8.40 Billion) and total liabilities ($7.52 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CNB Financial Corporation (CCNE) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $872.13 Million |
| % of Total Assets | 10.39% |
| Annual Growth Rate | 11.05% |
| 5-Year Change | 96.94% |
| 10-Year Change | 311.8% |
| Growth Volatility | 13.41 |
CNB Financial Corporation - Net Assets Trend (1995–2025)
This chart illustrates how CNB Financial Corporation's net assets have evolved over time, based on quarterly financial data. Also explore total assets of CNB Financial Corporation for the complete picture of this company's asset base.
Annual Net Assets for CNB Financial Corporation (1995–2025)
The table below shows the annual net assets of CNB Financial Corporation from 1995 to 2025. For live valuation and market cap data, see CNB Financial Corporation market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $872.13 Million | +42.81% |
| 2024-12-31 | $610.70 Million | +6.91% |
| 2023-12-31 | $571.25 Million | +7.63% |
| 2022-12-31 | $530.76 Million | +19.85% |
| 2021-12-31 | $442.85 Million | +6.42% |
| 2020-12-31 | $416.14 Million | +36.45% |
| 2019-12-31 | $304.97 Million | +16.03% |
| 2018-12-31 | $262.83 Million | +7.76% |
| 2017-12-31 | $243.91 Million | +15.17% |
| 2016-12-31 | $211.78 Million | +4.89% |
| 2015-12-31 | $201.91 Million | +7.09% |
| 2014-12-31 | $188.55 Million | +14.33% |
| 2013-12-31 | $164.91 Million | +13.45% |
| 2012-12-31 | $145.36 Million | +10.22% |
| 2011-12-31 | $131.89 Million | +20.29% |
| 2010-12-31 | $109.64 Million | +57.97% |
| 2009-12-31 | $69.41 Million | +11.11% |
| 2008-12-31 | $62.47 Million | -9.84% |
| 2007-12-31 | $69.28 Million | -4.15% |
| 2006-12-31 | $72.28 Million | +3.30% |
| 2005-12-31 | $69.97 Million | +1.83% |
| 2004-12-31 | $68.71 Million | +3.41% |
| 2003-12-31 | $66.45 Million | +7.12% |
| 2002-12-31 | $62.03 Million | +13.01% |
| 2001-12-31 | $54.89 Million | +7.21% |
| 2000-12-31 | $51.20 Million | +7.57% |
| 1999-12-31 | $47.60 Million | -3.64% |
| 1998-12-31 | $49.40 Million | +17.04% |
| 1997-12-31 | $42.21 Million | +6.27% |
| 1996-12-31 | $39.72 Million | +5.79% |
| 1995-12-31 | $37.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CNB Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1309.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $424.94 Million | 48.72% |
| Other Comprehensive Income | $-30.66 Million | -3.52% |
| Other Components | $477.86 Million | 54.79% |
| Total Equity | $872.13 Million | 100.00% |
CNB Financial Corporation Competitors by Market Cap
The table below lists competitors of CNB Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SDI Corp
TW:2351
|
$883.71 Million |
|
Shenzhen Absen Optoelectronic Co Ltd
SHE:300389
|
$884.16 Million |
|
Cementos Pacasmayo SAA ADR
NYSE:CPAC
|
$884.47 Million |
|
Shanghai Kaibao Pharmaceutical
SHE:300039
|
$884.70 Million |
|
Yueyang Xingchang Petro-Chemical Co Ltd
SHE:000819
|
$883.51 Million |
|
Evertz Technologies Limited
TO:ET
|
$882.95 Million |
|
Iress Ltd
AU:IRE
|
$882.87 Million |
|
Lifecome Biochemistry Co Ltd
SHE:002868
|
$882.85 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CNB Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 610,695,000 to 872,127,000, a change of 261,432,000 (42.8%).
- Net income of 66,131,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 12,908,000.
- Other factors increased equity by 182,393,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $66.13 Million | +7.58% |
| Other Comprehensive Income | $12.91 Million | +1.48% |
| Other Changes | $182.39 Million | +20.91% |
| Total Change | $- | 42.81% |
Book Value vs Market Value Analysis
This analysis compares CNB Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.87x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 7.03x to 0.87x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1995-12-31 | $4.37 | $30.68 | x |
| 1996-12-31 | $4.62 | $30.68 | x |
| 1997-12-31 | $4.90 | $30.68 | x |
| 1998-12-31 | $5.41 | $30.68 | x |
| 1999-12-31 | $5.17 | $30.68 | x |
| 2000-12-31 | $5.58 | $30.68 | x |
| 2001-12-31 | $6.00 | $30.68 | x |
| 2002-12-31 | $6.81 | $30.68 | x |
| 2003-12-31 | $7.22 | $30.68 | x |
| 2004-12-31 | $7.51 | $30.68 | x |
| 2005-12-31 | $7.66 | $30.68 | x |
| 2006-12-31 | $8.04 | $30.68 | x |
| 2007-12-31 | $7.97 | $30.68 | x |
| 2008-12-31 | $7.29 | $30.68 | x |
| 2009-12-31 | $8.00 | $30.68 | x |
| 2010-12-31 | $8.96 | $30.68 | x |
| 2011-12-31 | $10.74 | $30.68 | x |
| 2012-12-31 | $11.72 | $30.68 | x |
| 2013-12-31 | $11.43 | $30.68 | x |
| 2014-12-31 | $13.13 | $30.68 | x |
| 2015-12-31 | $14.08 | $30.68 | x |
| 2016-12-31 | $14.73 | $30.68 | x |
| 2017-12-31 | $16.12 | $30.68 | x |
| 2018-12-31 | $17.28 | $30.68 | x |
| 2019-12-31 | $20.11 | $30.68 | x |
| 2020-12-31 | $26.01 | $30.68 | x |
| 2021-12-31 | $26.33 | $30.68 | x |
| 2022-12-31 | $25.27 | $30.68 | x |
| 2023-12-31 | $27.27 | $30.68 | x |
| 2024-12-31 | $29.22 | $30.68 | x |
| 2025-12-31 | $35.35 | $30.68 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CNB Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.58%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.33%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 9.63x
- Recent ROE (7.58%) is below the historical average (11.11%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1995 | 10.17% | 33.06% | 0.04x | 7.92x | $62.70K |
| 1996 | 10.78% | 34.89% | 0.04x | 8.23x | $310.40K |
| 1997 | 10.19% | 27.92% | 0.04x | 8.83x | $81.20K |
| 1998 | 10.12% | 14.49% | 0.07x | 9.49x | $60.00K |
| 1999 | 9.66% | 11.73% | 0.07x | 11.79x | $-160.00K |
| 2000 | 10.61% | 12.04% | 0.08x | 10.85x | $312.70K |
| 2001 | 11.86% | 14.03% | 0.08x | 10.80x | $1.02 Million |
| 2002 | 13.97% | 18.93% | 0.07x | 10.78x | $2.46 Million |
| 2003 | 13.63% | 20.25% | 0.06x | 10.56x | $2.41 Million |
| 2004 | 11.46% | 18.35% | 0.06x | 10.55x | $1.00 Million |
| 2005 | 13.06% | 18.55% | 0.06x | 10.92x | $2.14 Million |
| 2006 | 13.31% | 16.79% | 0.07x | 10.80x | $2.39 Million |
| 2007 | 13.18% | 14.49% | 0.07x | 12.36x | $2.21 Million |
| 2008 | 8.38% | 8.23% | 0.06x | 16.27x | $-1.01 Million |
| 2009 | 12.26% | 12.92% | 0.06x | 16.74x | $1.57 Million |
| 2010 | 10.32% | 15.98% | 0.05x | 12.89x | $351.50K |
| 2011 | 11.45% | 19.76% | 0.05x | 12.15x | $1.92 Million |
| 2012 | 11.79% | 21.21% | 0.05x | 12.20x | $2.60 Million |
| 2013 | 10.11% | 19.58% | 0.04x | 12.92x | $187.90K |
| 2014 | 12.24% | 22.80% | 0.05x | 11.61x | $4.22 Million |
| 2015 | 10.99% | 21.77% | 0.04x | 11.32x | $2.01 Million |
| 2016 | 9.70% | 18.65% | 0.04x | 12.15x | $-638.40K |
| 2017 | 9.78% | 18.69% | 0.05x | 11.35x | $-531.00K |
| 2018 | 12.83% | 22.52% | 0.05x | 12.26x | $7.44 Million |
| 2019 | 13.14% | 22.42% | 0.05x | 12.34x | $9.58 Million |
| 2020 | 7.87% | 17.05% | 0.04x | 11.37x | $-8.87 Million |
| 2021 | 13.03% | 27.58% | 0.04x | 12.03x | $13.42 Million |
| 2022 | 11.91% | 25.93% | 0.04x | 10.32x | $10.11 Million |
| 2023 | 10.16% | 18.02% | 0.06x | 10.07x | $895.30K |
| 2024 | 8.94% | 15.16% | 0.06x | 10.14x | $-6.49 Million |
| 2025 | 7.58% | 16.33% | 0.05x | 9.63x | $-21.08 Million |
Industry Comparison
This section compares CNB Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CNB Financial Corporation (CCNE) | $872.13 Million | 10.17% | 8.63x | $883.70 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About CNB Financial Corporation
CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as other specialized financial services. It als… Read more