Revenue: As of FY2026 Q1, the actual value is USD 122.04 M.

EPS: As of FY2026 Q1, the actual value is USD 0.88.

EBIT: As of FY2026 Q1, the actual value is USD -40.19 M.

Segmented Loan Portfolio

As of March 31, 2026, CNB Financial Corporation’s total loans receivable decreased to $6,434,020 thousand from $6,493,740 thousand as of December 31, 2025.

Commercial and Industrial Loans Commercial and Industrial loans increased to $814,246 thousand as of March 31, 2026, from $778,978 thousand as of December 31, 2025.

Real Estate Loans Owner-occupied, nonfarm nonresidential properties loans decreased to $630,332 thousand from $636,444 thousand. Other construction loans and all land development and other land loans increased to $423,467 thousand from $366,174 thousand. Multifamily (5 or more) residential properties loans decreased to $645,921 thousand from $709,832 thousand. Non-owner occupied, nonfarm nonresidential properties loans decreased to $1,368,029 thousand from $1,419,643 thousand. Residential Mortgages secured by first liens decreased to $1,746,877 thousand from $1,763,071 thousand. Residential Mortgages secured by junior liens decreased to $132,593 thousand from $140,790 thousand.

Consumer Loans Home equity lines of credit increased to $257,851 thousand from $250,823 thousand. Credit cards increased to $14,315 thousand from $13,276 thousand. Other consumer loans decreased to $49,092 thousand from $51,474 thousand.

Operational Metrics (Three Months Ended March 31)

Net Income Net income for the three months ended March 31, 2026, was $27,036 thousand, a significant increase from $11,481 thousand for the same period in 2025.

Provision for Credit Loss Expense The provision for credit loss expense decreased to $998 thousand in 2026 from $1,556 thousand in 2025, primarily due to a reduction in the loan portfolio and lower net charge-offs.

Non-Interest Income Total non-interest income increased to $9,998 thousand in 2026 from $8,507 thousand in 2025. Wealth and asset management fees increased to $2,357 thousand in 2026 from $1,796 thousand in 2025. Card processing and interchange income increased to $2,586 thousand in 2026 from $2,107 thousand in 2025. Mortgage banking income increased to $341 thousand in 2026 from $96 thousand in 2025.

Non-Interest Expenses Total non-interest expenses increased to $49,187 thousand in 2026 from $41,038 thousand in 2025. Compensation and benefits increased to $24,983 thousand in 2026 from $20,564 thousand in 2025. Merger and integration costs were $0 in 2026, down from $1,529 thousand in 2025.

Cash Flow from Operating Activities

• Net cash provided by operating activities increased to $19,190 thousand for the three months ended March 31, 2026, compared to $11,599 thousand for the same period in 2025.

Future Outlook and Strategy

CNB Financial Corporation continues to monitor significant uncertainty in the domestic and global economic environment, including factors like U.S. tariffs, elevated interest rates, inflation, consumer confidence, and geopolitical events. Management will update its estimate of expected credit losses as new information becomes available, reflecting ongoing evaluation of these economic factors impacting borrowers. The allowance for credit losses remained stable for the three months ended March 31, 2026, indicating stable credit quality in the loan portfolio.