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Cnb Financial (44I) Risk Analysis

Public companies are required to disclose risks that can affect the business and impact the stock. These disclosures are known as ā€œRisk Factorsā€. Companies disclose these risks in their yearly (Form 10-K), quarterly earnings (Form 10-Q), or ā€œforeign private issuerā€ reports (Form 20-F). Risk factors show the challenges a company faces. Investors can consider the worst-case scenarios before making an investment. TipRanksā€™ Risk Analysis categorizes risks based on proprietary classification algorithms and machine learning. Cnb Financial disclosed 26 risk factors in its most recent earnings report. Cnb Financial reported the most risks in the ā€œFinance & Corporateā€ category.

Risk Overview Q2, 2026

Source: the company's latest filing for the period ended Jun 30, 2026, filed Aug 05, 2026

Risk Distribution
26Risks
Sector Avg.Finance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Risk Change Over Time

Cnb Financial disclosed risks per quarterNo. of Risks25262728293031Q3Q4Q12023Q2Q3Q4Q12024Q2Q3Q4Q12025Q2Q4Q12026Q2Showing: Q4, 2025
Risks removedRisks addedRisks changedCnb Financial Risk Factors
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Risk Highlights Q2, 2026

Main Risk Category
Finance & Corporate
With 12 Risks
Number of Disclosed Risks
26
No changes from last report
S&P 500 Average: 32
Recent Changes
0Risks added
0Risks removed
0Risks changed
Since Jun 2026
Number of Risk Changed
0
No changes from last report
S&P 500 Average: 1

Risk Word Cloud

a failure in or breach of the corporation's or any of its subsidiaries' information technology network and systems, or those of third party vendors and other service providers, including as a result of cyber attacks, could disrupt the corporation's or any of its subsidiaries' businesses, result in the unauthorized disclosure or misuse of confidential or proprietary information, damage its reputation, increase its costs, and/or cause losses.result of cyber attackssevere weather, flooding and other effects of climate change and other natural disasters, such as earthquakes, could adversely affect our financial condition, results of operations or liquidity.adversely affect our financial conditiona pandemic and measures intended to prevent its spread, could have a material adverse effect on our business, results of operations, cash flows, and financial condition.measures intended to preventthe corporation may not be able to meet its cash flow needs on a timely basis at a reasonable cost, and the corporation's cost of funds for banking operations may significantly increase as a result of general economic conditions, interest rates and competitive pressures.result of general economic conditionsthe bank's allowance for credit losses may not be adequate to cover loan losses which could have a material adverse effect on the corporation's business, financial condition and results of operations.adequate to cover loan lossesthe corporation is subject to extensive government regulation and supervision, which may affect its ability to conduct its business and may negatively impact its financial results.subject to extensive government regulationthe corporation's operations may be adversely affected if its external vendors do not perform as expected or if its access to third-party services is interrupted.access to third-party servicesthe corporation's investment securities portfolio is subject to credit risk, market risk, and liquidity risk, and declines in value in its investment securities portfolio may require it to record impairment charges that could have a material adverse effect on its results of operations and financial condition.to record impairment chargesthe corporation's ability to pay dividends is limited by law and regulations.ability to pay dividendsthe corporation's investment securities portfolio is subject to credit risk, market risk, and liquidity risk, and declines in value in its investment securities portfolio may require it to record impairment charges that could have a material adverse effect on its results of operations and financial condition.subject to credit risk

Risk Factors Full Breakdown - Total Risks 26

Share Price & Shareholder Rights3 | 11.5%
  • Share Price & Shareholder Rights - Risk 1
    A substantial decline in the value of the Bank's FHLB common stock may adversely affect the Corporation's results of operations, liquidity and financial condition.

    As a requirement of membership in the FHLB of Pittsburgh, the Bank must own a minimum required amount of FHLB stock, calculated periodically based primarily on its level of borrowings from the FHLB. Borrowings from the FHLB represent the Bank's primary source of short-term and long-term wholesale funding. In an extreme situation, it is possible that the capitalization of an FHLB, including the FHLB of Pittsburgh, could be substantially diminished or reduced to zero. Consequently, given that there is no trading market for the Bank's FHLB common stock, the Corporation's management believes that there is a risk that the Corporation's investment could be deemed impaired at some time in the future. If this occurs, it may adversely affect the Corporation's results of operations and financial condition.

  • Share Price & Shareholder Rights - Risk 2
    Some provisions contained in the Corporation's articles of incorporation and its bylaws and under Pennsylvania law could deter a takeover attempt or delay changes in control or management of the Corporation.

    Certain anti-takeover provisions of the Pennsylvania Business Corporation Law of 1988, as amended, apply to Pennsylvania registered corporations (e.g., publicly traded companies) including, but not limited to, those relating to (1)?control share acquisitions, (2)?disgorgement of profits by certain controlling persons, (3)?business combination transactions with interested shareholders, and (4)?the rights of shareholders to demand fair value for their stock following a control transaction. Pennsylvania law permits corporations to opt-out of these anti-takeover provisions, but the Corporation has not done so. Such provisions could have the effect of deterring takeovers or delaying changes in control or management of the Corporation. Additionally, such provisions could limit the price that some investors might be willing to pay in the future for shares of the Corporation's common stock. For example, the Corporation's amended and restated articles of incorporation require the affirmative vote of 66% of the outstanding shares entitled to vote to effect a business combination. In addition, the Corporation's amended and restated articles of incorporation, subject to the limitations prescribed in such articles and subject to limitations prescribed by Pennsylvania law, authorize the Corporation's Board of Directors, from time to time by resolution and without further shareholder action, to provide for the issuance of shares of preferred stock, in one or more series, and to fix the designation, powers, preferences and other rights of the shares and to fix the qualifications, limitations and restrictions thereof. As a result of its broad discretion with respect to the creation and issuance of preferred stock without shareholder approval, the Corporation's Board of Directors could adversely affect the voting power and other rights of the holders of common stock and, by issuing shares of preferred stock with certain voting, conversion and/or redemption rights, could discourage any attempt to obtain control of the Corporation. The Corporation's bylaws, as amended and restated, provide for the division of the Corporation's Board of Directors into three classes of directors, with each serving staggered terms. Any of the foregoing provisions may have the effect of deterring takeovers or delaying changes in control or management of the Corporation.

  • Share Price & Shareholder Rights - Risk 3
    The price of the Corporation's common stock may fluctuate significantly, and this may make it difficult for you to resell shares of common stock owned by you at times or at prices you find attractive.

    The price of the Corporation's common stock on the Global Select Market of The NASDAQ Stock Market LLC ("NASDAQ") constantly changes. The Corporation expects that the market price of its common stock will continue to fluctuate, and the Corporation cannot give you any assurances regarding any trends in the market prices for its common stock. The Corporation's stock price may fluctuate as a result of a variety of factors, many of which are beyond its control. These factors include the Corporation's: - past and future dividend practice;- financial condition, performance, creditworthiness, and prospects;- quarterly variations in the Corporation's operating results or the quality of the Corporation's assets;- operating results that vary from the expectations of management, securities analysts, and investors;- changes in expectations as to the Corporation's future financial performance;- announcements of innovations, new products, strategic developments, significant contracts, acquisitions, and other material events by the Corporation or its competitors;- the operating and securities price performance of other companies that investors believe are comparable to the Corporation;- future sales of the Corporation's equity or equity-related securities;- the credit, mortgage and housing markets, the markets for securities relating to mortgages or housing, and developments with respect to financial institutions generally; and - instability in global financial markets and global economies and general market conditions, such as interest or foreign exchange rates, stock, commodity or real estate valuations or volatility, budget deficits or sovereign debt level concerns and other geopolitical, regulatory or judicial events.

Debt & Financing7 | 26.9%
Corporate Activity and Growth2 | 7.7%

See a full breakdown of risk according to category and subcategory. The list starts with the category with the most risk. Click on subcategories to read relevant extracts from the most recent report.

FAQ

What are ā€œRisk Factorsā€?
Risk factors are any situations or occurrences that could make investing in a company risky. The Securities and Exchange Commission (SEC) requires that publicly traded companies disclose their most significant risk factors. This is so that potential investors can consider any risks before they make an investment. They also offer companies protection, as a company can use risk factors as liability protection. This could happen if a company underperforms and investors take legal action as a result. It is worth noting that smaller companies, that is those with a public float of under $75 million on the last business day, do not have to include risk factors in their 10-K and 10-Q forms, although some may choose to do so.
How do companies disclose their risk factors?
Publicly traded companies initially disclose their risk factors to the SEC through their S-1 filings as part of the IPO process. Additionally, companies must provide a complete list of risk factors in their Annual Reports (Form 10-K) or (Form 20-F) for ā€œforeign private issuersā€. Quarterly Reports also include a section on risk factors (Form 10-Q) where companies are only required to update any changes since the previous report. According to the SEC, risk factors should be reported concisely, logically and in ā€œplain Englishā€ so investors can understand them.
How can I use TipRanks risk factors in my stock research?
Use the Risk Factors tab to get data about the risk factors of any company in which you are considering investing. You can easily see the most significant risks a company is facing. Additionally, you can find out which risk factors a company has added, removed or adjusted since its previous disclosure. You can also see how a companyā€™s risk factors compare to others in its sector. Without reading company reports or participating in conference calls, you would most likely not have access to this sort of information, which is usually not included in press releases or other public announcements. A simplified analysis of risk factors is unique to TipRanks.
What are all the risk factor categories?
TipRanks has identified 6 major categories of risk factors and a number of subcategories for each. You can see how these categories are broken down in the list below. 1. Financial & Corporate Accounting & Financial Operations - risks related to accounting loss, value of intangible assets, financial statements, value of intangible assets, financial reporting, estimates, guidance, company profitability, dividends, fluctuating results. Share Price & Shareholder Rights ā€“ risks related to things that impact share prices and the rights of shareholders, including analyst ratings, major shareholder activity, trade volatility, liquidity of shares, anti-takeover provisions, international listing, dual listing. Debt & Financing ā€“ risks related to debt, funding, financing and interest rates, financial investments. Corporate Activity and Growth ā€“ risks related to restructuring, M&As, joint ventures, execution of corporate strategy, strategic alliances. 2. Legal & Regulatory Litigation and Legal Liabilities ā€“ risks related to litigation/ lawsuits against the company. Regulation ā€“ risks related to compliance, GDPR, and new legislation. Environmental / Social ā€“ risks related to environmental regulation and to data privacy. Taxation & Government Incentives ā€“ risks related to taxation and changes in government incentives. 3. Production Costs ā€“ risks related to costs of production including commodity prices, future contracts, inventory. Supply Chain ā€“ risks related to the companyā€™s suppliers. Manufacturing ā€“ risks related to the companyā€™s manufacturing process including product quality and product recalls. Human Capital ā€“ risks related to recruitment, training and retention of key employees, employee relationships & unions labor disputes, pension, and post retirement benefits, medical, health and welfare benefits, employee misconduct, employee litigation. 4. Technology & Innovation Innovation / R&D ā€“ risks related to innovation and new product development. Technology ā€“ risks related to the companyā€™s reliance on technology. Cyber Security ā€“ risks related to securing the companyā€™s digital assets and from cyber attacks. Trade Secrets & Patents ā€“ risks related to the companyā€™s ability to protect its intellectual property and to infringement claims against the company as well as piracy and unlicensed copying. 5. Ability to Sell Demand ā€“ risks related to the demand of the companyā€™s goods and services including seasonality, reliance on key customers. Competition ā€“ risks related to the companyā€™s competition including substitutes. Sales & Marketing ā€“ risks related to sales, marketing, and distribution channels, pricing, and market penetration. Brand & Reputation ā€“ risks related to the companyā€™s brand and reputation. 6. Macro & Political Economy & Political Environment ā€“ risks related to changes in economic and political conditions. Natural and Human Disruptions ā€“ risks related to catastrophes, floods, storms, terror, earthquakes, coronavirus pandemic/COVID-19. International Operations ā€“ risks related to the global nature of the company. Capital Markets ā€“ risks related to exchange rates and trade, cryptocurrency.