CCNE Stock Forecast & Price Target

CNB Financial Corp is poised for continued financial growth, supported by strong loan pipelines and enhanced deposit repricing opportunities, which are expected to drive further net interest margin (NIM) improvements in the second half of 2025. The company's successful Treasury Management platform has resulted in significant deposit growth, with 340 new customers contributing $128 million year-over-year, including $66 million in non-interest-bearing deposits, indicating a favorable shift in deposit mix. Additionally, proactive work-out efforts have led to a notable reduction in non-performing assets (NPAs) by approximately 50%, suggesting an anticipated improvement in credit performance moving forward.

CNB Financial Corp faces significant risks that may negatively impact its earnings outlook, primarily due to a potential slowdown in loan growth and adverse credit trends in its operational markets. Additionally, the volatility of interest rates, particularly the implications of a flattening or negative yield curve, poses further challenges to the bank's financial stability. Despite a reported decline in non-performing assets, the overall economic environment and these identified risks contribute to a cautious outlook on the company's stock performance.