NASDAQ$CCNE

CNB Financial Corporation · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Reported earnings per share of $0.76, reflecting a 40.7% increase from Q2 2020, driven by a wider net interest margin and stable credit quality.

CNB Financial Corporation announced strong second-quarter earnings with a notable increase in earnings per share, driven by focus on risk-based loan pricing and expansion into new markets like Roanoke, Virginia. The corporation's loan portfolio and deposits experienced significant organic growth, and wealth and asset management business also saw considerable gains.

  • Expanded footprint by entering the Roanoke, Virginia market through Ridge View Bank.
  • Sold $85 million aggregate principal amount of its 3.25% fixed-to-floating rate subordinated notes due 2031.
  • Earnings per diluted share increased 40.7% from the second quarter of 2020.
  • Total deposits increased 7.7% from December 31, 2020, primarily due to organic growth and government stimulus.

Headline financials

Total Revenue

$46.2M

Previous: $37.9M+21.8%
EPS (adj)

$0.76

Previous: $0.43+76.7%
Efficiency Ratio

57.9%

Previous: 57.8%+0.3%
Return on Avg Equity

13.4%

Previous: 10.3%+29.7%
Net Interest Margin

3.3%

No prior period
Capital Expenditures

-$2.46M

Previous: -$2.7M+8.7%
Free Cash Flow

$11.5M

Previous: $5.55M+107.7%
Net Income

$14M

Previous: $8.25M+69.7%
Operating Income

$31.9M

Previous: $18.4M+73.1%
Gross Profit

$44.2M

Previous: $32.2M+37.2%
Cash & Equivalents

$738M

Previous: $663M+11.3%
Total Assets

$5.15B

Previous: $4.47B+15.2%
Stock-Based Comp

$303K

Previous: $286K+5.9%

Revenue & EPS history

CNB Financial · Revenue · Quarterly

$46.2M

Q2 2021+21.8%vs Q2 2020
Beat estimate in 14 of 16 quarters(88%)
ActualEstimate

Forward guidance

This press release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, with respect to CNB’s financial condition, liquidity, results of operations, future performance and business.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2021

Historical avgQ2 2021

-0.1%

Avg return

Earnings day

+1.7%

Avg return

5 days after

+3.6%

Avg return

30 days after

45%

30 / 66 earnings

Positive

+9.7%

Q2 2020

Best reaction

-10.5%

Q2 2010

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.2%-2.6%-0.6%
Q4 2025-0.8%+4.5%+3.5%
Q3 2025-0.7%+0.3%+6.0%
Q2 2025-0.5%-0.8%+2.4%
Q1 2025+0.1%+0.4%-0.7%
Q4 2024+0.9%-1.5%-1.8%
Q3 2024+2.5%+1.9%+11.0%
Q2 2024+0.3%+8.1%-3.3%
Q1 2024-4.6%-3.1%+4.7%
Q4 2023+2.4%+3.7%-8.0%
Q3 2023+1.4%+1.9%+18.3%
Q2 2023-0.5%-0.7%-3.6%
Q1 2023-1.8%-0.4%-1.9%
Q4 2022-0.8%-1.5%+2.9%
Q3 2022-1.1%-4.5%+2.2%
Q2 2022+4.1%+3.2%+17.6%
Q1 2022+5.2%+4.9%-2.7%
Q4 2021+2.4%+1.1%+0.1%
Q3 2021+5.1%+5.8%+14.9%
Q2 2021+2.0%+2.6%+11.2%
Q1 2021-3.5%+2.5%+0.2%
Q4 2020-8.0%-6.4%+7.2%
Q3 2020+6.3%+21.9%+22.8%
Q2 2020+9.7%+8.9%+6.2%
Q1 2020-4.1%-2.3%-2.7%
Q4 2019-0.6%-4.4%-8.2%
Q3 2019+0.8%+11.9%+10.8%
Q2 2019-0.3%+5.3%+1.8%
Q1 2019-1.4%+0.1%-0.5%
Q4 2018+2.8%+2.9%+13.3%
Q3 2018-1.9%-8.6%-5.3%
Q2 2018+0.7%+2.7%+2.2%
Q1 2018-0.1%+0.1%+3.0%
Q4 2017-4.5%-1.4%+3.0%
Q3 2017+1.1%+2.3%+0.4%
Q2 2017+3.5%+5.4%-2.7%
Q1 2017+6.8%+9.2%-3.2%
Q4 2016-5.2%-6.8%-2.9%
Q3 2016-0.1%+2.2%+21.1%
Q2 2016-1.1%-1.1%+4.4%
Q1 2016+0.1%
Q4 2015-1.4%
Q3 2015+0.0%
Q2 2015-1.9%
Q1 2015+0.4%
Q4 2014-0.1%
Q3 2014-1.7%
Q2 2014+3.9%
Q1 2014+1.0%
Q4 2013-1.8%
Q3 2013+7.2%
Q2 2013+1.1%
Q1 2013-3.8%
Q4 2011+0.2%
Q4 2009+0.2%
Q4 2010+0.2%
Q4 2012-1.4%
Q3 2012-0.3%
Q2 2012-1.8%
Q1 2011-0.7%
Q1 2012+3.7%
Q3 2010-3.7%
Q3 2011-3.7%
Q2 2011-10.5%
Q2 2010-10.5%
Q1 2010+3.5%

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