NASDAQ$CCNE

CNB Financial Corporation · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

CNB Financial Corporation reported earnings for Q3 2020 with EPS of $0.47.

CNB Financial Corporation reported a net income of $7.8 million, or $0.47 per diluted share, for the quarter ended September 30, 2020. The quarter included the closing of the Bank of Akron transaction and the issuance of $57.8 million of preferred stock. There was also a material reduction in COVID-19 related loan forbearances.

  • Net income was $7.8 million, or $0.47 per diluted share.
  • Excluding after-tax merger costs, prepayment penalties and branch closure costs, net income was $11.6 million, or $0.70 per diluted share.
  • COVID-19 related deferred loan payments decreased to $187.4 million, or 5.6% of total loans, down from $626.0 million, or 20.7% of total loans.
  • Acquisition of Bank of Akron added approximately $319.1 million in loans and $419.5 million in deposits to the Corporation’s balance sheet.

Headline financials

Total Revenue

$41.4M

Previous: $36.2M+14.6%
EPS (adj)

$0.47

Previous: $0.68-30.9%
Efficiency Ratio

67.7%

No prior period
Net Loan Charge-offs

0.1%

No prior period
Capital Expenditures

-$3.78M

Previous: -$6.72M+43.7%
Free Cash Flow

$4M

Previous: $3.64M+10.0%
Net Income

$7.79M

Previous: $10.4M-24.8%
Operating Income

$17.8M

Previous: $20.1M-11.5%
Gross Profit

$38.1M

Previous: $34.1M+12.0%
Cash & Equivalents

$556M

Previous: $52.2M+965.9%
Total Assets

$4.7B

Previous: $3.54B+32.7%
Stock-Based Comp

$288K

Previous: $242K+19.0%

Revenue & EPS history

CNB Financial · Revenue · Quarterly

$41.4M

Q3 2020+14.6%vs Q3 2019
Beat estimate in 12 of 16 quarters(75%)
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 Q3 2020

Historical avgQ3 2020

-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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