NASDAQ$CCNE

CNB Financial Corporation · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

CNB Financial Corporation's earnings were affected by the adoption of CECL methodology and a prepayment of borrowings from FHLB.

CNB Financial Corporation reported a net income of $7.9 million, or $0.40 per diluted common share, for the fourth quarter of 2020. The results include the adoption of the Current Expected Credit Loss (CECL) methodology and a prepayment of $160 million in borrowings from the Federal Home Loan Bank of Pittsburgh (FHLB). Excluding the after-tax FHLB prepayment penalty, net income was $13.8 million, or $0.75 per diluted common share.

  • Net income was $7.9 million, or $0.40 per diluted common share.
  • Pre-tax pre-provision income was $13.1 million.
  • Excluding the after-tax FHLB prepayment penalty, net income was $13.8 million, or $0.75 per diluted common share.
  • Loans totaled $3.4 billion, an increase of 20.2% from December 31, 2019.

Headline financials

Total Revenue

$40.1M

Previous: $29.7M+34.9%
EPS (adj)

$0.75

Previous: $0.69+8.7%
Efficiency Ratio

72.2%

Previous: 61.5%+17.3%
Net Loan Charge-offs

0.2%

Previous: 0.2%-4.5%
Capital Expenditures

$1.86M

Previous: $2.33M-20.0%
Free Cash Flow

$7.49M

Previous: $18.1M-58.6%
Net Income

$7.9M

Previous: $10.5M-24.7%
Operating Income

$9.78M

Previous: $12.8M-23.5%
Cash & Equivalents

$533M

Previous: $193M+176.0%
Total Assets

$4.73B

Previous: $3.76B+25.7%
Stock-Based Comp

$287K

Previous: $237K+21.1%

Revenue & EPS history

CNB Financial · Revenue · Quarterly

$40.1M

Q4 2020+34.9%vs Q4 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 Q4 2020

Historical avgQ4 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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