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CB Financial Services (CBFV) Financials

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$37.85 +0.61 (+1.62%)
As of 03:12 PM Eastern
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Annual Income Statements for CB Financial Services

Annual Income Statements for CB Financial Services

This table shows CB Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 8.42 7.58 72 7.05 14 24 12 11 23 13 4.90
Consolidated Net Income / (Loss)		 8.42 7.58 6.94 7.05 14 -11 12 11 23 13 4.90
Net Income / (Loss) Continuing Operations		 8.42 7.58 72 7.05 14 24 12 11 23 13 4.90
Total Pre-Tax Income 		12 11 9.82 8.59 16 -9.39 15 14 30 15 5.30
Total Revenue		 37 37 37 46 52 86 56 53 69 51 44
Net Interest Income / (Expense)		 29 29 29 38 43 42 40 43 45 46 51
Total Interest Income		 32 32 32 44 51 47 44 48 62 76 76
Loans and Leases Interest Income		 30 30 30 38 43 43 40 42 55 59 62
Investment Securities Interest Income		 2.07 2.25 2.42 4.98 6.34 4.07 3.36 4.16 4.28 12 12
Other Interest Income		 0.27 0.17 0.29 0.71 1.51 0.52 0.49 1.63 3.30 5.11 1.74
Total Interest Expense		 2.72 2.87 3.37 5.95 7.86 11 3.41 4.78 18 30 25
Deposits Interest Expense		 2.34 2.28 2.81 4.97 7.30 5.17 3.13 4.03 16 28 23
Short-Term Borrowings Interest Expense		 0.08 0.07 0.08 0.52 0.19 0.14 0.10 0.06 0.03 0.00 0.20
Other Interest Expense		 0.29 0.51 0.48 0.46 0.37 0.25 0.18 0.69 1.21 1.62 1.52
Total Non-Interest Income		 7.60 7.36 7.80 8.34 8.57 9.47 16 9.82 24 5.49 -7.23
Other Service Charges		 6.76 6.06 0.11 0.14 0.19 -0.27 0.32 0.18 0.54 1.48 1.38
Net Realized & Unrealized Capital Gains on Investments		 0.36 0.83 0.71 0.02 0.44 1.63 6.94 0.32 14 0.43 -12
Other Non-Interest Income		 0.47 0.48 6.98 8.19 7.94 48 9.02 9.32 9.06 3.45 3.04
Provision for Credit Losses		 2.01 2.04 1.87 2.53 0.73 4.00 -1.13 3.78 -0.50 0.57 0.59
Total Non-Interest Expense		 23 24 25 35 35 57 43 35 39 36 38
Salaries and Employee Benefits		 12 13 14 18 19 20 20 18 22 19 22
Net Occupancy & Equipment Expense		 3.88 4.21 2.44 3.33 5.37 6.70 8.45 5.94 7.08 7.56 7.02
Marketing Expense		 0.83 0.72 0.69 0.76 0.73 0.66 0.75 0.53 0.43 0.48 0.57
Property & Liability Insurance Claims		 0.96 0.89 0.37 0.58 0.41 0.84 1.01 0.64 0.75 0.64 0.72
Other Operating Expenses		 4.24 4.30 6.84 9.81 7.01 7.94 9.61 7.54 6.97 7.19 7.13
Amortization Expense		 0.54 0.54 0.54 1.48 2.13 2.13 1.93 1.78 1.77 0.96 0.00
Income Tax Expense		 3.44 3.11 2.87 1.54 1.73 1.25 3.13 2.83 7.74 2.75 0.40
Basic Earnings per Share		 $2.07 $1.86 $1.70 $1.42 $2.64 ($1.97) $2.15 $2.19 $4.41 $2.45 $0.97
Weighted Average Basic Shares Outstanding		 4.07M 4.08M 4.09M 4.98M 5.43M 5.41M 5.38M 5.14M 5.11M 5.13M 5.04M
Diluted Earnings per Share		 $2.07 $1.86 $1.69 $1.40 $2.63 ($1.97) $2.15 $2.18 $4.40 $2.38 $0.92
Weighted Average Diluted Shares Outstanding		 4.07M 4.09M 4.11M 5.03M 5.45M 5.41M 5.39M 5.15M 5.12M 5.30M 5.31M
Weighted Average Basic & Diluted Shares Outstanding		 4.10M 4.09M 4.10M 5.43M 5.41M 5.43M 5.16M 5.12M 5.14M 5.12M 5.08M
Cash Dividends to Common per Share		 $0.85 - $0.88 $0.89 $0.96 $0.96 $0.96 $0.96 $1.00 $1.00 $1.02

Quarterly Income Statements for CB Financial Services

This table shows CB Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -5.70 4.74 3.87
Consolidated Net Income / (Loss)		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -5.70 4.74 3.87
Net Income / (Loss) Continuing Operations		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -5.70 4.74 3.87
Total Pre-Tax Income 		3.24 18 5.12 3.21 3.97 3.05 2.34 4.72 -7.02 5.27 4.58
Total Revenue		 13 28 14 12 13 13 12 13 2.42 16 15
Net Interest Income / (Expense)		 11 11 12 11 11 12 11 13 13 14 14
Total Interest Income		 16 17 18 19 20 19 18 19 19 20 20
Loans and Leases Interest Income		 14 15 15 15 15 15 15 15 16 16 16
Investment Securities Interest Income		 1.01 1.23 2.33 2.87 3.32 3.13 2.81 2.87 3.00 3.46 3.42
Other Interest Income		 0.82 0.87 0.82 1.40 1.51 1.38 0.51 0.40 0.37 0.46 0.27
Total Interest Expense		 5.16 5.77 6.40 7.47 8.30 7.90 6.54 6.22 6.24 6.17 5.78
Deposits Interest Expense		 4.75 5.34 5.99 7.07 7.89 7.49 6.11 5.72 5.81 5.80 5.23
Short-Term Borrowings Interest Expense		 0.00 0.03 0.00 0.00 0.00 - 0.02 0.11 0.07 - 0.19
Other Interest Expense		 0.41 0.41 0.40 0.40 0.41 0.41 0.40 0.39 0.36 0.36 0.36
Total Non-Interest Income		 2.41 17 1.92 0.69 1.23 1.66 0.79 0.93 -11 1.73 0.96
Other Service Charges		 0.30 0.12 0.23 0.17 0.12 0.96 0.16 0.13 0.23 0.87 0.15
Net Realized & Unrealized Capital Gains on Investments		 -0.03 14 0.14 -0.01 0.41 0.02 -0.04 0.03 -12 0.06 0.03
Other Non-Interest Income		 2.14 1.94 1.54 0.52 0.70 0.68 0.68 0.77 0.79 0.80 0.78
Provision for Credit Losses		 0.41 -1.42 -0.04 -0.04 -0.04 0.68 -0.04 0.01 0.26 0.36 0.24
Total Non-Interest Expense		 9.49 11 8.43 8.98 8.78 9.46 9.80 8.75 9.18 9.92 10
Salaries and Employee Benefits		 5.37 6.22 4.58 4.43 4.56 5.26 6.04 5.09 5.25 5.84 6.00
Net Occupancy & Equipment Expense		 1.68 1.83 1.71 2.25 1.81 1.80 1.88 1.75 1.65 1.75 1.95
Marketing Expense		 0.11 0.16 0.13 0.08 0.14 0.14 0.12 0.12 0.13 0.19 0.14
Property & Liability Insurance Claims		 0.19 0.19 0.13 0.16 0.18 0.17 0.18 0.20 0.17 0.17 0.17
Other Operating Expenses		 1.69 2.05 1.55 1.81 1.83 2.00 1.59 1.58 1.98 1.97 1.75
Income Tax Expense		 0.56 5.34 0.92 0.56 0.75 0.52 0.43 0.77 -1.32 0.53 0.71
Basic Earnings per Share		 $0.52 $2.54 $0.82 $0.52 $0.63 $0.48 $0.37 $0.79 ($1.14) $0.95 $0.77
Weighted Average Basic Shares Outstanding		 5.12M 5.11M 5.13M 5.14M 5.14M 5.13M 5.13M 5.02M 4.99M 5.04M 5.05M
Diluted Earnings per Share		 $0.52 $2.53 $0.82 $0.51 $0.60 $0.45 $0.35 $0.74 ($1.07) $0.90 $0.73
Weighted Average Diluted Shares Outstanding		 5.13M 5.12M 5.14M 5.15M 5.35M 5.30M 5.47M 5.33M 5.32M 5.31M 5.32M
Weighted Average Basic & Diluted Shares Outstanding		 5.12M 5.14M 5.14M 5.14M 5.12M 5.12M 5.02M 4.99M 5.01M 5.08M 5.07M
Cash Dividends to Common per Share		 $0.25 - $0.25 $0.25 $0.25 - $0.25 $0.25 $0.26 - $0.28

Annual Cash Flow Statements for CB Financial Services

This table details how cash moves in and out of CB Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -0.41 2.94 6.34 33 27 81 -41 -16 -35 -19 -18
Net Cash From Operating Activities		 52 11 12 14 18 14 13 14 14 6.75 18
Net Cash From Continuing Operating Activities		 52 11 12 14 18 14 13 14 14 6.75 18
Net Income / (Loss) Continuing Operations		 8.42 7.58 6.94 7.05 14 -11 12 11 23 13 4.90
Consolidated Net Income / (Loss)		 8.42 7.58 6.94 7.05 14 -11 12 11 23 13 4.90
Provision For Loan Losses		 2.01 2.04 1.87 2.53 0.73 4.00 -1.13 3.78 -0.50 0.57 0.59
Depreciation Expense		 2.57 3.09 2.50 3.05 3.73 3.34 2.44 2.70 2.74 2.43 1.81
Amortization Expense		 0.68 0.23 0.38 0.07 -0.18 0.02 0.05 0.07 0.03 -0.69 -0.37
Non-Cash Adjustments to Reconcile Net Income		 37 -0.85 -0.60 0.11 -0.82 19 -2.99 -0.28 -14 -2.06 12
Changes in Operating Assets and Liabilities, net		 0.51 -1.52 0.51 0.85 0.09 -1.67 3.11 -3.37 3.19 -6.09 -1.62
Net Cash From Investing Activities		 -29 -18 -86 27 -11 -37 -60 -28 -55 -36 -83
Net Cash From Continuing Investing Activities		 -29 -18 -86 27 -11 -37 -60 -28 -55 -36 -83
Purchase of Property, Leasehold Improvements and Equipment		 -0.60 -2.54 -3.85 -4.43 -0.05 -0.32 -2.39 -0.51 -3.29 -3.32 -0.65
Purchase of Investment Securities		 -67 -82 -110 -87 -96 -159 -135 -58 -164 -70 -247
Sale and/or Maturity of Investments		 39 67 28 98 85 122 77 30 85 37 166
Other Investing Activities, net		 - - - - - - - - - 0.00 -0.96
Net Cash From Financing Activities		 -23 9.89 81 -8.39 20 104 5.85 -1.82 5.01 11 47
Net Cash From Continuing Financing Activities		 -23 9.89 81 -8.39 20 104 5.85 -1.82 5.01 11 47
Net Change in Deposits		 -18 19 75 32 32 106 105 42 -1.34 16 56
Issuance of Debt		 28 0.00 13 - - 10 15 0.00 20 0.00 20
Repayment of Debt		 -29 -5.42 -3.50 -35 -6.41 -6.00 -6.79 -34 -8.06 0.00 -20
Repurchase of Common Equity		 0.00 -0.01 -0.01 -0.32 -0.07 -1.92 -4.14 -4.80 -0.84 -0.97 -6.84
Payment of Dividends		 -3.46 -3.59 -3.60 -4.53 -5.22 -5.18 -5.17 -4.92 -5.11 -5.13 -5.13
Other Financing Activities, Net		 0.00 0.00 0.03 0.21 0.02 -0.08 -97 0.22 0.37 0.72 2.61
Cash Interest Paid		 2.76 2.84 3.28 5.78 7.46 5.78 3.69 4.91 16 29 26

Quarterly Cash Flow Statements for CB Financial Services

This table details how cash moves in and out of CB Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -25 16 5.47 69 4.73 -98 12 3.23 -8.62 -24 24
Net Cash From Operating Activities		 9.13 -3.43 3.26 -1.17 3.07 1.59 4.03 4.13 4.62 5.03 3.02
Net Cash From Continuing Operating Activities		 9.13 -3.43 3.26 -1.17 3.07 1.59 4.03 4.13 4.62 5.03 3.02
Net Income / (Loss) Continuing Operations		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -5.69 4.74 3.87
Consolidated Net Income / (Loss)		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -5.69 4.74 3.87
Depreciation Expense		 0.71 0.60 0.72 0.68 0.57 0.45 0.44 0.45 0.46 0.46 0.45
Amortization Expense		 0.02 -0.03 -0.21 -0.19 -0.16 -0.13 -0.03 -0.05 -0.09 -0.21 -0.26
Non-Cash Adjustments to Reconcile Net Income		 0.19 -14 -1.01 -0.53 0.01 -0.53 0.41 -0.24 12 0.13 0.28
Changes in Operating Assets and Liabilities, net		 5.14 -1.21 -0.39 -3.75 -0.54 -1.42 1.34 0.02 -2.51 -0.46 -1.32
Net Cash From Investing Activities		 -6.32 -10 8.16 -16 -0.78 -28 13 -24 -38 -34 -13
Net Cash From Continuing Investing Activities		 -6.32 -10 8.16 -16 -0.78 -28 13 -24 -38 -34 -13
Purchase of Property, Leasehold Improvements and Equipment		 -0.25 -1.70 -0.97 -1.22 -0.86 -0.27 -0.10 -0.26 -0.10 -0.19 -0.20
Purchase of Investment Securities		 45 -164 -20 3.40 -3.30 18 -2.60 -29 -169 -46 -26
Sale and/or Maturity of Investments		 -51 128 29 -18 3.98 -46 16 5.50 132 13 13
Other Investing Activities, net		 - - - - -0.60 - 0.00 - - -0.60 -0.20
Net Cash From Financing Activities		 -28 29 -5.95 86 2.44 -71 -5.51 23 24 4.94 34
Net Cash From Continuing Financing Activities		 -28 29 -5.95 86 2.44 -71 -5.51 23 24 4.94 34
Net Change in Deposits		 -27 31 -4.67 87 4.05 -70 -2.42 28 25 5.39 36
Repurchase of Common Equity		 - -0.52 -0.01 - -0.33 -0.63 -2.38 -4.44 -0.01 -0.01 -0.29
Payment of Dividends		 -1.28 -1.28 -1.28 -1.29 -1.28 -1.28 -1.28 -1.26 -1.30 -1.30 -1.41
Other Financing Activities, Net		 - 0.33 0.00 - -0.01 0.73 0.57 0.57 0.60 0.87 0.34
Cash Interest Paid		 4.73 5.70 6.00 6.89 7.92 8.58 6.58 6.96 5.99 6.11 5.88
Cash Income Taxes Paid		 2.57 0.32 0.03 4.19 2.15 -0.03 1.00 0.15 0.02 - 0.01

Annual Balance Sheets for CB Financial Services

This table presents CB Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 831 846 934 1,282 1,322 1,417 1,425 1,409 1,456 1,482 1,548
Cash and Due from Banks		 9.02 6.58 8.94 14 11 15 56 21 5.78 10 45
Interest Bearing Deposits at Other Banks		 2.32 7.70 12 39 69 146 64 83 62 39 18
Trading Account Securities		 96 106 124 225 197 145 225 190 207 262 280
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,152
Premises and Equipment, Net		 10 14 17 23 22 20 18 18 20 21 20
Goodwill		 4.95 4.95 4.95 28 28 9.73 9.73 9.73 9.73 9.73 9.73
Other Assets		 27 29 30 37 983 1,072 1,047 1,084 1,150 1,138 25
Total Liabilities & Shareholders' Equity		 831 846 934 1,282 1,322 1,417 1,425 1,409 1,456 1,482 1,548
Total Liabilities		 744 757 841 1,144 1,170 1,282 1,292 1,299 1,316 1,334 1,390
Interest Bearing Deposits		 679 698 773 1,087 1,118 1,225 1,227 1,269 1,267 1,284 1,340
Long-Term Debt		 - - - - 14 8.00 18 15 35 35 35
Other Long-Term Liabilities		 4.03 3.36 3.78 6.44 7.51 8.57 8.88 7.58 14 16 16
Total Equity & Noncontrolling Interests		 87 89 93 138 151 135 133 110 140 147 158
Total Preferred & Common Equity		 87 89 93 138 151 135 133 110 140 147 158
Total Common Equity		 87 89 93 138 151 135 133 110 140 147 158
Common Stock		 43 44 44 86 85 85 86 86 88 89 90
Retained Earnings		 48 52 55 58 67 51 58 64 83 91 91
Treasury Stock		 -4.84 -4.75 -4.59 -4.37 -3.84 -5.09 -9.14 -14 -15 -15 -20
Accumulated Other Comprehensive Income / (Loss)		 0.58 -1.18 -1.34 -1.44 2.65 3.40 -0.93 -26 -17 -17 -3.41

Quarterly Balance Sheets for CB Financial Services

This table presents CB Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,399 1,473 1,560 1,562 1,483 1,518 1,546 1,583
Cash and Due from Banks		 6.70 6.69 8.80 8.76 9.08 14 13 13
Interest Bearing Deposits at Other Banks		 46 67 134 139 52 50 43 43
Trading Account Securities		 173 232 269 271 259 267 273 295
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 19 20 20 21 20 20 20 19
Goodwill		 9.73 9.73 9.73 9.73 9.73 9.73 9.73 9.73
Other Assets		 1,144 1,137 1,118 1,112 1,133 1,156 1,187 1,203
Total Liabilities & Shareholders' Equity		 1,399 1,473 1,560 1,562 1,483 1,518 1,546 1,583
Total Liabilities		 1,285 1,331 1,417 1,413 1,335 1,370 1,393 1,425
Interest Bearing Deposits		 1,236 1,262 1,350 1,354 1,281 1,309 1,334 1,375
Long-Term Debt		 35 35 - 35 35 35 35 35
Other Long-Term Liabilities		 14 34 33 24 19 25 24 14
Total Equity & Noncontrolling Interests		 115 142 143 149 148 148 152 159
Total Preferred & Common Equity		 115 142 143 149 148 148 152 159
Total Common Equity		 115 142 143 149 148 148 152 159
Common Stock		 87 88 88 88 89 90 90 91
Retained Earnings		 72 86 88 90 91 94 87 93
Treasury Stock		 -14 -15 -15 -15 -17 -21 -21 -20
Accumulated Other Comprehensive Income / (Loss)		 -30 -18 -18 -14 -15 -14 -4.01 -4.92

Annual Metrics And Ratios for CB Financial Services

This table displays calculated financial ratios and metrics derived from CB Financial Services' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 4,081,017.00 4,088,025.00 5,414,299.00 5,433,489.00 5,397,892.00 5,296,539.00 5,092,204.00 5,120,678.00 - 5,010,883.00
DEI Adjusted Shares Outstanding		 0.00 4,081,017.00 4,088,025.00 5,414,299.00 5,433,489.00 5,397,892.00 5,296,539.00 5,092,204.00 5,120,678.00 - 5,010,883.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 1.86 1.70 1.30 2.64 -1.97 2.18 2.21 4.40 - 0.98
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 62.11% -0.78% 0.96% 24.84% 12.44% 65.66% -34.16% -6.52% 29.97% -24.80% -15.32%
EBITDA Growth		 91.19% -7.25% -9.45% -7.75% 67.41% 44.44% -39.31% -1.93% 96.15% -48.34% -60.22%
EBIT Growth		 101.03% -9.87% -8.17% -12.51% 86.92% 55.39% -41.10% -4.19% 115.09% -49.34% -65.14%
NOPAT Growth		 96.18% -9.98% -8.39% 1.56% 103.16% -145.89% 275.99% -2.79% 100.50% -44.15% -61.07%
Net Income Growth		 96.18% -9.98% -8.39% 1.56% 103.16% -174.27% 208.74% -2.79% 100.50% -44.15% -61.07%
EPS Growth		 26.99% -10.14% -9.14% -17.16% 87.86% -174.90% 209.14% 1.40% 101.83% -45.91% -61.34%
Operating Cash Flow Growth		 2,247.56% -79.50% 9.76% 17.71% 30.84% -21.23% -7.26% 8.40% 0.60% -52.59% 163.81%
Free Cash Flow Firm Growth		 106.41% 116.89% -156.78% -308.56% 130.02% -24.16% -6.26% 1,224.26% -127.94% 126.22% -205.71%
Invested Capital Growth		 2.51% -1.93% 8.90% 19.85% 3.75% -6.18% 3.49% -30.07% 31.36% 4.35% 5.60%
Revenue Q/Q Growth		 3.89% 0.22% 5.62% -8.94% 0.00% 65.33% -34.76% -8.17% 24.35% -21.91% 5.74%
EBITDA Q/Q Growth		 -5.81% 5.93% 3.52% -8.57% 718.46% 681.50% -64.00% -30.56% 57.11% -47.60% 46.84%
EBIT Q/Q Growth		 -8.86% 4.36% 8.97% -11.50% 1,790.11% 397.05% -67.41% -34.76% 67.10% -49.86% 71.97%
NOPAT Q/Q Growth		 0.26% 3.62% -8.52% 17.59% 18.60% -4.14% 50.57% -20.00% 64.14% -45.31% 82.20%
Net Income Q/Q Growth		 0.26% 3.62% -8.52% 17.59% 0.00% -17.67% 50.57% -20.00% 64.14% -45.31% 82.20%
EPS Q/Q Growth		 -4.61% 3.33% -9.14% 10.24% 17.41% -16.57% 51.41% -18.35% 64.18% -46.64% 95.74%
Operating Cash Flow Q/Q Growth		 17.99% 0.74% -1.63% 48.12% -7.60% -1.99% 75.07% -27.53% -37.47% 289.95% 23.93%
Free Cash Flow Firm Q/Q Growth		 0.00% 168.55% -134.89% 39.83% -99.45% 100.42% -64.22% 33.49% -386.71% 144.32% -685.76%
Invested Capital Q/Q Growth		 14.07% -4.75% 10.57% 0.04% 117.38% -1.49% 5.78% -6.73% 16.72% -0.95% 2.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.07% 38.39% 34.43% 25.45% 37.88% 33.03% 30.45% 31.94% 48.21% 33.11% 15.47%
EBIT Margin		 32.24% 29.29% 26.64% 18.67% 31.03% 29.11% 26.04% 26.69% 44.17% 29.76% 12.17%
Profit (Net Income) Margin		 22.88% 20.76% 18.84% 15.33% 27.69% -12.41% 20.50% 21.32% 32.89% 24.43% 11.26%
Tax Burden Percent		 70.98% 70.89% 70.73% 82.10% 89.23% 113.29% 78.73% 79.88% 74.46% 82.08% 92.51%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% -37.64% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.02% 29.11% 29.27% 17.90% 10.77% 0.00% 21.27% 20.12% 25.54% 17.92% 7.49%
Return on Invested Capital (ROIC)		 5.79% 5.19% 4.60% 4.08% 7.46% -3.47% 6.19% 6.97% 14.67% 7.06% 2.62%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.79% 5.19% 4.60% 4.08% 7.46% -12.15% 6.19% 6.97% 14.67% 7.06% 2.62%
Return on Net Nonoperating Assets (RNNOA)		 4.19% 3.40% 3.00% 2.03% 2.47% -3.98% 2.45% 2.28% 3.37% 1.71% 0.60%
Return on Equity (ROE)		 9.98% 8.60% 7.60% 6.11% 9.92% -7.45% 8.65% 9.25% 18.04% 8.77% 3.22%
Cash Return on Invested Capital (CROIC)		 3.30% 7.15% -3.92% -13.98% 3.78% 2.91% 2.76% 42.36% -12.43% 2.81% -2.83%
Operating Return on Assets (OROA)		 1.41% 1.28% 1.10% 0.78% 1.23% 1.82% 1.03% 0.99% 2.11% 1.04% 0.35%
Return on Assets (ROA)		 1.00% 0.90% 0.78% 0.64% 1.10% -0.78% 0.81% 0.79% 1.57% 0.86% 0.32%
Return on Common Equity (ROCE)		 9.98% 8.60% 7.60% 6.11% 9.92% -7.45% 8.65% 9.25% 18.04% 8.77% 3.22%
Return on Equity Simple (ROE_SIMPLE)		 9.69% 8.47% 7.45% 5.12% 9.48% -7.91% 8.69% 10.21% 16.13% 8.55% 3.11%
Net Operating Profit after Tax (NOPAT)		 8.42 7.58 6.94 7.05 14 -6.57 12 11 23 13 4.90
NOPAT Margin		 22.88% 20.76% 18.84% 15.33% 27.69% -7.67% 20.50% 21.32% 32.89% 24.43% 11.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 8.68% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.75% 49.44% 46.31% 48.19% 49.12% 31.70% 51.63% 47.26% 42.89% 52.10% 68.43%
Operating Expenses to Revenue		 62.31% 65.13% 68.29% 75.85% 67.57% 66.23% 75.95% 66.14% 56.56% 69.14% 86.48%
Earnings before Interest and Taxes (EBIT)		 12 11 9.82 8.59 16 25 15 14 30 15 5.30
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 14 13 12 20 28 17 17 33 17 6.74
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.87 1.00 0.76 0.88 0.68 0.85 0.91 0.83 0.99 1.10
Price to Tangible Book Value (P/TBV)		 0.00 0.96 1.10 1.07 1.19 0.79 0.96 1.04 0.90 1.06 1.17
Price to Revenue (P/Rev)		 0.00 2.13 2.53 2.28 2.57 1.07 2.00 1.91 1.69 2.82 3.98
Price to Earnings (P/E)		 0.00 10.24 1.30 14.90 9.29 3.86 9.75 8.96 5.15 11.53 35.36
Dividend Yield		 5.24% 4.63% 3.86% 4.59% 3.92% 5.66% 5.63% 4.85% 4.41% 3.53% 2.95%
Earnings Yield		 0.00% 9.76% 77.03% 6.71% 10.76% 25.90% 10.25% 11.16% 19.44% 8.67% 2.83%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.82 0.87 0.54 0.50 0.00 0.26 0.15 0.47 0.72 0.75
Enterprise Value to Revenue (EV/Rev)		 0.00 3.24 3.71 2.23 1.88 0.00 0.89 0.37 1.20 2.53 3.32
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 8.45 10.77 8.77 4.97 0.00 2.91 1.17 2.50 7.64 21.48
Enterprise Value to EBIT (EV/EBIT)		 0.00 11.07 13.92 11.95 6.07 0.00 3.41 1.40 2.72 8.50 27.31
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 15.62 19.69 14.56 6.80 0.00 4.33 1.75 3.66 10.35 29.52
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 11.20 11.78 7.52 5.45 0.00 3.83 1.39 5.79 19.32 8.13
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 11.35 0.00 0.00 13.42 0.00 9.69 0.29 0.00 26.03 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.70 0.62 0.69 0.37 0.30 0.36 0.43 0.21 0.25 0.24 0.22
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.09 0.06 0.13 0.13 0.25 0.24 0.22
Financial Leverage		 0.72 0.65 0.65 0.50 0.33 0.33 0.40 0.33 0.23 0.24 0.23
Leverage Ratio		 9.93 9.51 9.74 9.60 9.02 9.59 10.62 11.65 11.46 10.23 9.93
Compound Leverage Factor		 9.93 9.51 9.74 9.60 9.02 -3.61 10.62 11.65 11.46 10.23 9.93
Debt to Total Capital		 41.03% 38.08% 40.74% 27.03% 22.78% 26.72% 29.93% 17.09% 19.87% 19.07% 18.08%
Short-Term Debt to Total Capital		 41.03% 38.08% 40.74% 27.03% 15.62% 22.36% 20.67% 6.07% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 7.16% 4.36% 9.26% 11.02% 19.87% 19.07% 18.08%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 58.97% 61.92% 59.26% 72.97% 77.22% 73.28% 70.07% 82.92% 80.13% 80.93% 81.92%
Debt to EBITDA		 4.00 3.93 5.05 4.35 2.27 1.73 3.31 1.35 1.05 2.03 5.16
Net Debt to EBITDA		 3.25 2.91 3.43 -0.20 -1.82 -3.95 -3.66 -4.81 -1.01 -0.87 -4.25
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.71 0.28 1.02 0.87 1.05 2.03 5.16
Debt to NOPAT		 7.18 7.26 9.23 7.23 3.11 -7.46 4.92 2.02 1.54 2.76 7.09
Net Debt to NOPAT		 5.83 5.38 6.26 -0.34 -2.49 17.01 -5.43 -7.20 -1.49 -1.18 -5.84
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.98 -1.22 1.52 1.30 1.54 2.76 7.09
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 4.81 10 -5.92 -24 7.26 5.51 5.16 68 -19 5.01 -5.30
Operating Cash Flow to CapEx		 8,536.92% 416.02% 301.77% 308.52% 37,229.17% 4,371.74% 547.38% 2,780.16% 432.31% 203.62% 2,739.54%
Free Cash Flow to Firm to Interest Expense		 1.77 3.63 -1.75 -4.07 0.92 0.50 1.52 14.30 -1.08 0.17 -0.21
Operating Cash Flow to Interest Expense		 18.99 3.68 3.44 2.30 2.27 1.27 3.83 2.96 0.81 0.22 0.71
Operating Cash Flow Less CapEx to Interest Expense		 18.77 2.80 2.30 1.55 2.27 1.24 3.13 2.85 0.62 0.11 0.68
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.06 0.04 0.04 0.05 0.04 0.03
Fixed Asset Turnover		 3.53 2.99 2.39 2.29 2.26 4.03 2.92 2.91 3.65 2.55 2.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 147 144 157 189 196 184 190 133 175 182 192
Invested Capital Turnover		 0.25 0.25 0.24 0.27 0.27 0.45 0.30 0.33 0.45 0.29 0.23
Increase / (Decrease) in Invested Capital		 3.61 -2.85 13 31 7.06 -12 6.41 -57 42 7.58 10
Enterprise Value (EV)		 0.00 118 137 103 97 -20 50 20 82 130 145
Market Capitalization		 0.00 78 93 105 133 92 113 101 116 145 173
Book Value per Share		 $21.34 $21.92 $22.81 $25.42 $27.81 $24.92 $25.13 $21.63 $27.31 $28.76 $31.44
Tangible Book Value per Share		 $19.06 $19.77 $20.80 $18.15 $20.64 $21.56 $22.30 $19.03 $25.22 $26.87 $29.50
Total Capital		 147 144 157 189 196 184 190 133 175 182 192
Total Debt		 60 55 64 51 45 49 57 23 35 35 35
Total Long-Term Debt		 0.00 0.00 0.00 0.00 14 8.00 18 15 35 35 35
Net Debt		 49 41 43 -2.37 -36 -112 -63 -81 -34 -15 -29
Capital Expenditures (CapEx)		 0.60 2.54 3.85 4.43 0.05 0.32 2.39 0.51 3.29 3.32 0.65
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 4.07 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 60 55 64 51 45 49 57 23 35 35 35
Total Depreciation and Amortization (D&A)		 3.25 3.32 2.87 3.12 3.55 3.36 2.49 2.77 2.77 1.73 1.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.07 $1.86 $1.70 $1.42 $2.64 ($1.97) $2.15 $2.19 $4.41 $2.45 $0.97
Adjusted Weighted Average Basic Shares Outstanding		 4.07M 4.08M 4.09M 4.98M 5.43M 5.41M 5.38M 5.14M 5.11M 5.13M 5.04M
Adjusted Diluted Earnings per Share		 $2.07 $1.86 $1.69 $1.40 $2.63 ($1.97) $2.15 $2.18 $4.40 $2.38 $0.92
Adjusted Weighted Average Diluted Shares Outstanding		 4.07M 4.09M 4.11M 5.03M 5.45M 5.41M 5.39M 5.15M 5.12M 5.30M 5.31M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.08M 4.09M 4.10M 5.43M 5.41M 5.43M 5.16M 5.12M 5.14M 5.12M 5.08M
Normalized Net Operating Profit after Tax (NOPAT)		 8.42 7.58 7.20 7.75 14 6.51 12 11 23 13 4.90
Normalized NOPAT Margin		 22.88% 20.76% 19.52% 16.85% 27.69% 7.60% 22.15% 21.32% 32.89% 24.43% 11.26%
Pre Tax Income Margin		 32.24% 29.29% 26.64% 18.67% 31.03% -10.96% 26.04% 26.69% 44.17% 29.76% 12.17%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.37 3.73 2.91 1.44 2.04 2.24 4.32 2.95 1.71 0.51 0.21
NOPAT to Interest Expense		 3.10 2.64 2.06 1.19 1.82 -0.59 3.40 2.35 1.28 0.42 0.19
EBIT Less CapEx to Interest Expense		 4.15 2.84 1.77 0.70 2.04 2.21 3.62 2.84 1.53 0.40 0.18
NOPAT Less CapEx to Interest Expense		 2.88 1.76 0.92 0.44 1.82 -0.62 2.70 2.25 1.09 0.31 0.17
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 41.10% 47.39% 51.80% 64.22% 36.40% -48.71% 44.67% 43.75% 22.67% 40.73% 104.71%
Augmented Payout Ratio		 41.10% 47.57% 51.94% 68.72% 36.90% -66.76% 80.48% 86.44% 26.40% 48.40% 244.22%

Quarterly Metrics And Ratios for CB Financial Services

This table displays calculated financial ratios and metrics derived from CB Financial Services' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 5,115,678.00 5,120,678.00 5,143,123.00 5,142,251.00 5,141,911.00 - 5,121,107.00 5,023,242.00 4,985,558.00 5,010,883.00 5,075,878.00
DEI Adjusted Shares Outstanding		 5,115,678.00 5,120,678.00 5,143,123.00 5,142,251.00 5,141,911.00 - 5,121,107.00 5,023,242.00 4,985,558.00 5,010,883.00 5,075,878.00
DEI Earnings Per Adjusted Shares Outstanding		 0.52 2.53 0.82 0.52 0.63 - 0.37 0.79 -1.14 0.95 0.76
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -4.54% 94.38% -6.16% -9.19% -3.21% -52.30% -10.43% 10.80% -80.94% 19.17% 22.62%
EBITDA Growth		 -29.87% 217.20% -6.56% -11.54% 10.42% -82.14% -51.05% 38.21% -251.94% 70.70% 73.18%
EBIT Growth		 -34.32% 250.12% -3.20% -7.12% 22.56% -83.34% -54.34% 46.88% -277.00% 80.88% 96.10%
NOPAT Growth		 -31.99% 212.18% 0.96% -3.88% 20.47% -80.49% -54.50% 49.02% -252.66% 87.47% 102.57%
Net Income Growth		 -31.99% 212.18% 0.96% -3.88% 20.47% -80.49% -54.50% 49.02% -276.95% 87.47% 102.57%
EPS Growth		 -32.47% 212.35% 1.23% -5.56% 15.38% -82.21% -57.32% 45.10% -278.33% 100.00% 108.57%
Operating Cash Flow Growth		 140.90% -167.24% -54.92% -189.35% -66.41% 146.33% 23.53% 454.37% 50.67% 216.36% -25.06%
Free Cash Flow Firm Growth		 -110.71% -146.82% -178.40% -257.07% -607.00% 82.38% 87.96% 93.37% 73.39% -7.97% -37.37%
Invested Capital Growth		 4.97% 31.36% 33.58% 17.41% 22.96% 4.35% 3.82% 3.11% 1.83% 5.60% 5.74%
Revenue Q/Q Growth		 -1.94% 110.63% -51.16% -9.99% 4.52% 3.80% -7.31% 11.35% -82.02% 542.20% -4.63%
EBITDA Q/Q Growth		 -5.23% 376.32% -70.23% -34.17% 18.29% -22.96% -14.93% 85.86% -230.05% 183.01% -13.69%
EBIT Q/Q Growth		 -6.37% 465.76% -72.06% -37.26% 23.55% -23.07% -19.81% 101.84% -248.89% 175.06% -13.06%
NOPAT Q/Q Growth		 -3.08% 385.22% -67.64% -36.84% 21.47% -21.44% -24.52% 106.86% -224.44% 196.48% -18.43%
Net Income Q/Q Growth		 -3.08% 385.22% -67.64% -36.84% 21.47% -21.44% -24.52% 106.86% -244.24% 183.23% -18.43%
EPS Q/Q Growth		 -3.70% 386.54% -67.59% -37.80% 17.65% -25.00% -22.22% 111.43% -244.59% 184.11% -18.89%
Operating Cash Flow Q/Q Growth		 599.62% -137.57% 195.04% -135.77% 363.04% -48.19% 153.43% 2.61% 11.83% 8.79% -39.96%
Free Cash Flow Firm Q/Q Growth		 -129.19% -551.99% -39.81% 40.97% -31.38% 83.75% 4.45% 67.47% -426.99% 34.07% -21.56%
Invested Capital Q/Q Growth		 -1.15% 16.72% 1.01% 0.74% 3.53% -0.95% 0.51% 0.05% 2.25% 2.71% 0.64%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.20% 68.29% 41.62% 30.44% 34.45% 25.57% 22.75% 37.97% -274.65% 35.50% 32.13%
EBIT Margin		 24.65% 66.20% 37.88% 26.40% 31.21% 23.13% 19.31% 35.00% -289.84% 33.88% 30.88%
Profit (Net Income) Margin		 20.35% 46.88% 31.07% 21.80% 25.33% 19.17% 15.78% 29.31% -235.18% 30.48% 26.07%
Tax Burden Percent		 82.57% 70.82% 82.02% 82.55% 81.16% 82.89% 81.72% 83.75% 81.14% 89.98% 84.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.43% 29.18% 17.98% 17.45% 18.84% 17.11% 18.28% 16.25% 0.00% 10.02% 15.59%
Return on Invested Capital (ROIC)		 7.69% 20.92% 13.64% 8.81% 10.03% 5.54% 4.39% 8.37% -45.03% 7.09% 6.41%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.69% 20.92% 13.64% 8.81% 10.03% 5.54% 4.39% 8.37% -47.29% 7.09% 6.41%
Return on Net Nonoperating Assets (RNNOA)		 2.44% 4.80% 2.61% 2.35% 2.64% 1.34% 1.05% 1.99% -10.89% 1.62% 1.45%
Return on Equity (ROE)		 10.13% 25.72% 16.25% 11.16% 12.67% 6.88% 5.45% 10.36% -55.92% 8.71% 7.86%
Cash Return on Invested Capital (CROIC)		 4.57% -12.43% -14.10% -2.34% -6.78% 2.81% 1.99% 3.37% -0.36% -2.83% -1.93%
Operating Return on Assets (OROA)		 0.96% 3.17% 1.77% 1.17% 1.39% 0.81% 0.65% 1.17% -7.68% 0.97% 0.93%
Return on Assets (ROA)		 0.79% 2.24% 1.45% 0.97% 1.13% 0.67% 0.53% 0.98% -6.23% 0.88% 0.79%
Return on Common Equity (ROCE)		 10.13% 25.72% 16.25% 11.16% 12.67% 6.88% 5.45% 10.36% -55.92% 8.71% 7.86%
Return on Equity Simple (ROE_SIMPLE)		 11.96% 0.00% 15.95% 15.74% 15.44% 0.00% 6.95% 7.82% 1.77% 0.00% 4.32%
Net Operating Profit after Tax (NOPAT)		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -4.91 4.74 3.87
NOPAT Margin		 20.35% 46.88% 31.07% 21.80% 25.33% 19.17% 15.78% 29.31% -202.89% 30.48% 26.07%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.25% 0.00% 0.00%
SG&A Expenses to Revenue		 54.54% 29.71% 47.46% 55.54% 51.22% 54.53% 66.39% 51.67% 290.17% 50.01% 54.51%
Operating Expenses to Revenue		 72.26% 38.93% 62.40% 73.89% 69.11% 71.68% 81.02% 64.94% 379.15% 63.80% 67.49%
Earnings before Interest and Taxes (EBIT)		 3.24 18 5.12 3.21 3.97 3.05 2.34 4.72 -7.02 5.27 4.58
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.97 19 5.62 3.70 4.38 3.37 2.75 5.12 -6.65 5.52 4.77
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 0.83 0.76 0.79 0.93 0.99 0.95 0.97 1.09 1.10 1.09
Price to Tangible Book Value (P/TBV)		 1.02 0.90 0.82 0.85 1.00 1.06 1.02 1.03 1.16 1.17 1.16
Price to Revenue (P/Rev)		 1.90 1.69 1.58 1.69 2.11 2.82 2.82 2.78 4.02 3.98 3.75
Price to Earnings (P/E)		 7.62 5.15 4.74 5.00 6.04 11.53 13.69 12.34 61.53 35.36 25.29
Dividend Yield		 4.84% 4.41% 4.81% 4.57% 3.70% 3.53% 3.63% 3.51% 3.04% 2.95% 3.07%
Earnings Yield		 13.12% 19.44% 21.11% 19.99% 16.57% 8.67% 7.30% 8.11% 1.63% 2.83% 3.95%
Enterprise Value to Invested Capital (EV/IC)		 0.58 0.47 0.39 0.03 0.14 0.72 0.63 0.62 0.77 0.75 0.79
Enterprise Value to Revenue (EV/Rev)		 1.57 1.20 1.01 0.07 0.40 2.53 2.29 2.20 3.51 3.32 3.30
Enterprise Value to EBITDA (EV/EBITDA)		 4.13 2.50 2.08 0.14 0.81 7.64 8.15 7.26 31.48 21.48 17.45
Enterprise Value to EBIT (EV/EBIT)		 4.79 2.72 2.26 0.15 0.86 8.50 9.22 8.06 46.86 27.31 20.24
Enterprise Value to NOPAT (EV/NOPAT)		 6.32 3.66 3.01 0.20 1.15 10.35 11.12 9.77 53.67 29.52 22.26
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.81 5.79 6.63 0.58 15.26 19.32 15.24 8.85 10.05 8.13 9.09
Enterprise Value to Free Cash Flow (EV/FCFF)		 13.02 0.00 0.00 0.00 0.00 26.03 32.12 18.63 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.30 0.25 0.25 0.24 0.23 0.24 0.23 0.23 0.23 0.22 0.22
Long-Term Debt to Equity		 0.30 0.25 0.25 0.00 0.23 0.24 0.23 0.23 0.23 0.22 0.22
Financial Leverage		 0.32 0.23 0.19 0.27 0.26 0.24 0.24 0.24 0.23 0.23 0.23
Leverage Ratio		 12.75 11.46 11.22 11.54 11.22 10.23 10.20 10.57 10.30 9.93 9.99
Compound Leverage Factor		 12.75 11.46 11.22 11.54 11.22 10.23 10.20 10.57 10.30 9.93 9.99
Debt to Total Capital		 23.19% 19.87% 19.68% 19.54% 18.88% 19.07% 18.98% 18.97% 18.56% 18.08% 17.97%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 19.54% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 23.19% 19.87% 19.68% 0.00% 18.88% 19.07% 18.98% 18.97% 18.56% 18.08% 17.97%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 76.81% 80.13% 80.32% 80.46% 81.12% 80.93% 81.02% 81.03% 81.44% 81.92% 82.03%
Debt to EBITDA		 1.65 1.05 1.06 1.08 1.07 2.03 2.47 2.22 7.57 5.16 3.97
Net Debt to EBITDA		 -0.85 -1.01 -1.19 -3.35 -3.46 -0.87 -1.89 -1.91 -4.61 -4.25 -2.37
Long-Term Debt to EBITDA		 1.65 1.05 1.06 0.00 1.07 2.03 2.47 2.22 7.57 5.16 3.97
Debt to NOPAT		 2.52 1.54 1.54 1.54 1.51 2.76 3.37 2.99 12.91 7.09 5.07
Net Debt to NOPAT		 -1.31 -1.49 -1.73 -4.80 -4.89 -1.18 -2.58 -2.56 -7.86 -5.84 -3.03
Long-Term Debt to NOPAT		 2.52 1.54 1.54 0.00 1.51 2.76 3.37 2.99 12.91 7.09 5.07
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -4.40 -29 -40 -24 -31 -5.06 -4.83 -1.57 -8.28 -5.46 -6.64
Operating Cash Flow to CapEx		 3,666.67% -201.88% 336.08% -95.65% 358.29% 588.52% 3,987.13% 1,607.78% 4,443.27% 2,673.94% 1,494.06%
Free Cash Flow to Firm to Interest Expense		 -0.85 -4.97 -6.27 -3.17 -3.75 -0.64 -0.74 -0.25 -1.33 -0.89 -1.15
Operating Cash Flow to Interest Expense		 1.77 -0.59 0.51 -0.16 0.37 0.20 0.62 0.66 0.74 0.82 0.52
Operating Cash Flow Less CapEx to Interest Expense		 1.72 -0.89 0.36 -0.32 0.27 0.17 0.60 0.62 0.72 0.78 0.49
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 3.01 3.65 3.63 3.42 3.35 2.55 2.50 2.54 2.02 2.16 2.32
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 150 175 176 178 184 182 183 183 187 192 194
Invested Capital Turnover		 0.38 0.45 0.44 0.40 0.40 0.29 0.28 0.29 0.22 0.23 0.25
Increase / (Decrease) in Invested Capital		 7.07 42 44 26 34 7.58 6.74 5.52 3.37 10 11
Enterprise Value (EV)		 87 82 68 4.55 26 130 115 113 144 145 153
Market Capitalization		 105 116 107 112 139 145 141 143 166 173 173
Book Value per Share		 $22.45 $27.31 $27.53 $27.79 $29.00 $28.76 $28.93 $29.54 $30.58 $31.44 $31.28
Tangible Book Value per Share		 $20.12 $25.22 $25.52 $25.82 $27.10 $26.87 $27.03 $27.60 $28.63 $29.50 $29.36
Total Capital		 150 175 176 178 184 182 183 183 187 192 194
Total Debt		 35 35 35 35 35 35 35 35 35 35 35
Total Long-Term Debt		 35 35 35 0.00 35 35 35 35 35 35 35
Net Debt		 -18 -34 -39 -108 -113 -15 -27 -30 -21 -29 -21
Capital Expenditures (CapEx)		 0.25 1.70 0.97 1.22 0.86 0.27 0.10 0.26 0.10 0.19 0.20
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.78 0.00 0.00
Net Nonoperating Obligations (NNO)		 35 35 35 35 35 35 35 35 35 35 35
Total Depreciation and Amortization (D&A)		 0.73 0.58 0.51 0.49 0.41 0.32 0.42 0.40 0.37 0.25 0.19
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.52 $2.54 $0.82 $0.52 $0.63 $0.48 $0.37 $0.79 ($1.14) $0.95 $0.77
Adjusted Weighted Average Basic Shares Outstanding		 5.12M 5.11M 5.13M 5.14M 5.14M 5.13M 5.13M 5.02M 4.99M 5.04M 5.05M
Adjusted Diluted Earnings per Share		 $0.52 $2.53 $0.82 $0.51 $0.60 $0.45 $0.35 $0.74 ($1.07) $0.90 $0.73
Adjusted Weighted Average Diluted Shares Outstanding		 5.13M 5.12M 5.14M 5.15M 5.35M 5.30M 5.47M 5.33M 5.32M 5.31M 5.32M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.12M 5.14M 5.14M 5.14M 5.12M 5.12M 5.02M 4.99M 5.01M 5.08M 5.07M
Normalized Net Operating Profit after Tax (NOPAT)		 2.67 13 4.20 2.65 3.22 2.53 1.91 3.95 -4.91 4.74 3.87
Normalized NOPAT Margin		 20.35% 46.88% 31.07% 21.80% 25.33% 19.17% 15.78% 29.31% -202.89% 30.48% 26.07%
Pre Tax Income Margin		 24.65% 66.20% 37.88% 26.40% 31.21% 23.13% 19.31% 35.00% -289.84% 33.88% 30.88%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.63 3.17 0.80 0.43 0.48 0.39 0.36 0.76 -1.12 0.85 0.79
NOPAT to Interest Expense		 0.52 2.25 0.66 0.35 0.39 0.32 0.29 0.63 -0.79 0.77 0.67
EBIT Less CapEx to Interest Expense		 0.58 2.88 0.65 0.27 0.37 0.35 0.34 0.72 -1.14 0.82 0.76
NOPAT Less CapEx to Interest Expense		 0.47 1.95 0.50 0.19 0.28 0.29 0.28 0.59 -0.80 0.74 0.63
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 36.79% 22.67% 22.65% 22.79% 22.27% 40.73% 49.78% 43.94% 189.97% 104.71% 76.72%
Augmented Payout Ratio		 40.04% 26.40% 25.83% 25.10% 25.95% 48.40% 82.17% 110.97% 467.19% 244.22% 146.01%

Financials Breakdown Chart

Key Financial Trends

CB Financial Services (NASDAQ: CBFV) had a solid start to fiscal 2026, but the bigger picture shows a bank that has been through a volatile stretch over the last year. Earnings and cash generation improved sharply in Q1 2026 versus the weak period in mid-2025, while the balance sheet remains deposit-funded and fairly levered, with a large portion of assets concentrated in securities and other assets.

For Q1 2026, the company reported net income of $3.9 million, up from $4.7 million in Q4 2025 but well ahead of the loss posted in Q3 2025. Net interest income was $13.9 million, roughly flat sequentially, while total revenue came in at $14.8 million. Operating cash flow was also strong at $3.0 million, and the quarter ended with a $23.9 million increase in cash and equivalents.

One important trend is that profitability has remained sensitive to non-interest income and investment activity. In Q1 2026, non-interest income was only $962,000, well below Q4 2025’s $1.7 million, but expenses were also controlled enough to keep pre-tax income healthy. The worst quarter in the recent period was Q3 2025, when the bank posted a $5.7 million loss after a large negative mark from investment gains/losses, highlighting the volatility that can hit a smaller bank with a meaningful securities portfolio.

From a balance sheet perspective, CB Financial Services remains heavily deposit-funded. At March 31, 2026, interest-bearing deposits were $1.38 billion against $1.58 billion in total assets. Common equity stood at $158.8 million, slightly above $152.5 million in Q3 2025. The company also maintained $12.7 million in cash and $42.8 million in interest-bearing deposits at other banks, which supports liquidity.

Here are the most important takeaways for retail investors:

  • Q1 2026 earnings rebounded to $3.9 million, showing the company recovered from the Q3 2025 loss.
  • Operating cash flow was positive at $3.0 million in Q1 2026, indicating the core banking business is still generating cash.
  • Net interest income remained stable at $13.9 million in Q1 2026, holding up despite a noisy operating backdrop.
  • Liquidity improved, with cash and equivalents rising by $23.9 million during the quarter.
  • Equity increased to $158.8 million from $152.5 million in Q3 2025, modestly strengthening the capital base.
  • Credit costs were manageable, with provision for credit losses of just $241,000 in Q1 2026.
  • Loan balances are reported as zero on the balance sheet, suggesting the company’s business mix is heavily tilted toward securities and other assets rather than traditional lending.
  • Non-interest income remains uneven, which can create meaningful quarter-to-quarter swings in reported earnings.
  • Q3 2025 was a major earnings setback, with a $5.7 million loss driven by weak investment-related results.
  • Other assets are very large at $1.2 billion, which makes the balance sheet somewhat harder to interpret and could indicate concentration risk or less transparent asset composition.

Overall, CBFV appears to be back on firmer footing in early 2026 after a volatile 2025. The bank is still producing solid net interest income and positive operating cash flow, but investors should keep an eye on the sustainability of earnings, because results have been highly sensitive to securities marks and non-interest income. In short, the company looks stable for now, but not especially low-risk.

07/29/26 03:15 PM ETAI Generated. May Contain Errors.

CB Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, CB Financial Services' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

CB Financial Services' net income appears to be on an upward trend, with a most recent value of $4.90 million in 2025, falling from $8.42 million in 2015. The previous period was $12.59 million in 2024. See CB Financial Services' forecast for analyst expectations on what's next for the company.

Over the last 10 years, CB Financial Services' total revenue changed from $36.80 million in 2015 to $43.55 million in 2025, a change of 18.3%.

CB Financial Services' total liabilities were at $1.39 billion at the end of 2025, a 4.2% increase from 2024, and a 86.9% increase since 2015.

In the past 10 years, CB Financial Services' cash and equivalents has ranged from $5.78 million in 2023 to $55.71 million in 2021, and is currently $45.01 million as of their latest financial filing in 2025.

Over the last 10 years, CB Financial Services' book value per share changed from 21.34 in 2015 to 31.44 in 2025, a change of 47.3%.


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Financial statements for NASDAQ:CBFV last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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