CNB Financial (CCNE) Cash Flow: Operating & Free Cash Flow

CNB Financial (CCNE) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), CNB Financial generated $64.98M of operating cash flow and spent $6.33M on capital expenditures. That left free cash flow of $58.65M, up 6.2% from $55.23M a year earlier, or 21.2% of revenue. It returned $18.52M to shareholders through $18.19M in dividends and $333.00K in share buybacks.

CNB Financial Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for CNB Financial Corporation (CCNE) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	66.13	54.58	58.02	63.19	57.71	32.74	40.08	33.72	23.86
Depreciation & Amortization	10.91	8.27	7.74	6.57	6.24	6.08	5.96	4.81	5.24
Deferred Income Tax	5.07	-1.18	1.11	-1.81	-1.69	1.39	-0.20	-1.08	3.39
Stock Based Compensation	2.67	2.23	1.74	1.33	1.49	1.41	1.35	1.55	0.93
Change in Working Capital	-9.99	7.86	-20.09	0.51	6.73	-10.09	4.68	1.53	-0.48
Change in Accounts Receivable	1.81	0.39	-5.89	-19.07	-1.06	-6.24	1.07	-3.08	-1.18
Change in Accounts Payable	-11.79	7.47	-14.19	19.57	7.79	0.00	3.61	4.61	0.70
Change in Other Working Capital	0.00	-3.63	0.00	0.00	-2.79	-3.85	0.00	0.00	0.00
Other Operating Activities	-13.70	-3.63	-1.50	-5.73	-16.36	-2.78	0.04	4.32	-2.18
Net Cash from Operating Activities	64.98	71.51	47.02	64.05	58.92	28.76	51.91	44.86	30.76
Investing Activities
Capital Expenditures	-6.33	-16.28	-10.97	-12.29	-6.48	-5.64	-9.05	-3.07	-5.22
Acquisitions	27.40	0.00	0.00	0.00	0.00	72.85	0.00	0.00	1.08
Purchases of Investments	-335.82	-191.25	-19.62	-262.68	-341.55	-226.53	-122.79	-190.92	-23.69
Sales/Maturities of Investments	468.37	150.15	72.98	116.19	204.52	227.61	109.68	76.35	108.64
Other Investing Activities	8.84	-145.89	-191.97	-645.92	-22.87	-236.97	-346.57	-335.50	-284.47
Net Cash from Investing Activities	27.64	-203.28	-149.46	-804.70	-409.76	-168.68	-368.74	-452.68	-203.65
Financing Activities
Debt Repayment	-273.00	0.00	-132.40	132.40	-50.00	-227.91	-17.21	-12.24	20.36
Common Stock Issued	0.00	0.00	0.00	94.05	0.00	3.26	1.42	0.00	19.29
Common Stock Repurchased	-0.33	-0.64	-6.72	-1.67	-1.16	-1.31	-1.29	-2.45	-1.88
Dividends Paid	-18.19	-19.21	-19.00	-16.86	-11.55	-12.13	-10.36	-10.24	-10.09
Other Financing Activities	288.06	372.61	376.31	-93.18	533.88	717.73	491.54	442.97	151.37
Net Cash from Financing Activities	-7.77	352.76	218.20	114.74	550.34	479.64	464.11	418.04	179.05
Summary
Net Change in Cash	84.86	220.99	115.76	-625.91	199.50	339.72	147.41	10.22	6.16
Cash at Beginning of Period	443.04	222.05	106.29	732.20	532.69	192.97	45.56	35.35	29.18
Cash at End of Period	527.90	443.04	222.05	106.29	732.20	532.69	192.97	45.56	35.35
Free Cash Flow	58.65	55.23	36.05	51.76	52.44	23.11	42.86	41.79	25.55
Supplemental Disclosures
Interest Paid	-	134.40	102.16	26.80	20.03	-	-	-	-
Income Taxes Paid	-	12.91	12.01	17.42	11.79	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About CNB Financial Cash Flow

What is CNB Financial's free cash flow?

CNB Financial generated free cash flow of $58.65M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $64.98M minus $6.33M of capital expenditures. That was up 6.2% from $55.23M a year earlier. Free cash flow equaled 21.2% of revenue.

How much does CNB Financial spend on capital expenditures?

CNB Financial spent $6.33M on capital expenditures in fiscal 2025, compared with $16.28M a year earlier. That equals 9.7% of operating cash flow.

Does CNB Financial pay dividends or buy back shares?

Yes. In fiscal 2025 CNB Financial returned $18.19M in dividends and $333.00K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition