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CB Financial Services (CBFV) Financials

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$40.48 -0.62 (-1.50%)
As of 12:12 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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 6/30/2026 9/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 4.20 2.65 3.22 2.53 1.91 3.95 -5.70 4.74 3.87 4.30 5.33
Consolidated Net Income / (Loss)		 4.20 2.65 3.22 2.53 1.91 3.95 -5.70 4.74 3.87 4.30 5.33
Net Income / (Loss) Continuing Operations		 4.20 2.65 3.22 2.53 1.91 3.95 -5.70 4.74 3.87 4.30 5.33
Total Pre-Tax Income 		5.12 3.21 3.97 3.05 2.34 4.72 -7.02 5.27 4.58 5.10 5.82
Total Revenue		 14 12 13 13 12 13 2.42 16 15 16 16
Net Interest Income / (Expense)		 12 11 11 12 11 13 13 14 14 15 15
Total Interest Income		 18 19 20 19 18 19 19 20 20 21 22
Loans and Leases Interest Income		 15 15 15 15 15 15 16 16 16 16 17
Investment Securities Interest Income		 2.33 2.87 3.32 3.13 2.81 2.87 3.00 3.46 3.42 3.81 4.14
Other Interest Income		 0.82 1.40 1.51 1.38 0.51 0.40 0.37 0.46 0.27 0.92 0.90
Total Interest Expense		 6.40 7.47 8.30 7.90 6.54 6.22 6.24 6.17 5.78 6.37 6.60
Deposits Interest Expense		 5.99 7.07 7.89 7.49 6.11 5.72 5.81 5.80 5.23 5.94 5.89
Short-Term Borrowings Interest Expense		 0.00 0.00 0.00 - 0.02 0.11 0.07 - 0.19 0.07 0.34
Other Interest Expense		 0.40 0.40 0.41 0.41 0.40 0.39 0.36 0.36 0.36 0.36 0.36
Total Non-Interest Income		 1.92 0.69 1.23 1.66 0.79 0.93 -11 1.73 0.96 0.97 1.02
Other Service Charges		 0.23 0.17 0.12 0.96 0.16 0.13 0.23 0.87 0.15 0.12 0.19
Net Realized & Unrealized Capital Gains on Investments		 0.14 -0.01 0.41 0.02 -0.04 0.03 -12 0.06 0.03 0.04 0.00
Other Non-Interest Income		 1.54 0.52 0.70 0.68 0.68 0.77 0.79 0.80 0.78 0.82 0.83
Provision for Credit Losses		 -0.04 -0.04 -0.04 0.68 -0.04 0.01 0.26 0.36 0.24 0.02 -0.07
Total Non-Interest Expense		 8.43 8.98 8.78 9.46 9.80 8.75 9.18 9.92 10 10 10
Salaries and Employee Benefits		 4.58 4.43 4.56 5.26 6.04 5.09 5.25 5.84 6.00 6.12 5.85
Net Occupancy & Equipment Expense		 1.71 2.25 1.81 1.80 1.88 1.75 1.65 1.75 1.95 2.12 2.04
Marketing Expense		 0.13 0.08 0.14 0.14 0.12 0.12 0.13 0.19 0.14 0.12 0.17
Property & Liability Insurance Claims		 0.13 0.16 0.18 0.17 0.18 0.20 0.17 0.17 0.17 0.18 0.19
Other Operating Expenses		 1.55 1.81 1.83 2.00 1.59 1.58 1.98 1.97 1.75 1.86 2.02
Income Tax Expense		 0.92 0.56 0.75 0.52 0.43 0.77 -1.32 0.53 0.71 0.80 0.50
Basic Earnings per Share		 $0.82 $0.52 $0.63 $0.48 $0.37 $0.79 ($1.14) $0.95 $0.77 $0.85 $1.05
Weighted Average Basic Shares Outstanding		 5.13M 5.14M 5.14M 5.13M 5.13M 5.02M 4.99M 5.04M 5.05M 5.07M 5.08M
Diluted Earnings per Share		 $0.82 $0.51 $0.60 $0.45 $0.35 $0.74 ($1.07) $0.90 $0.73 $0.80 $0.99
Weighted Average Diluted Shares Outstanding		 5.14M 5.15M 5.35M 5.30M 5.47M 5.33M 5.32M 5.31M 5.32M 5.35M 5.36M
Weighted Average Basic & Diluted Shares Outstanding		 5.14M 5.14M 5.12M 5.12M 5.02M 4.99M 5.01M 5.08M 5.07M 5.08M 5.10M

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 6/30/2026 9/30/2026
Net Change in Cash & Equivalents		 5.47 69 4.73 -98 12 3.23 -8.62 -24 24 21 -45
Net Cash From Operating Activities		 3.26 -1.17 3.07 1.59 4.03 4.13 4.62 5.03 3.02 7.43 -1.71
Net Cash From Continuing Operating Activities		 3.26 -1.17 3.07 1.59 4.03 4.13 4.62 5.03 3.02 7.43 -1.71
Net Income / (Loss) Continuing Operations		 4.20 2.65 3.22 2.53 1.91 3.95 -5.69 4.74 3.87 4.30 5.33
Consolidated Net Income / (Loss)		 4.20 2.65 3.22 2.53 1.91 3.95 -5.69 4.74 3.87 4.30 5.33
Provision For Loan Losses		 -0.04 -0.04 -0.04 0.68 -0.04 0.01 0.26 0.36 - - -0.07
Depreciation Expense		 0.72 0.68 0.57 0.45 0.44 0.45 0.46 0.46 0.45 0.69 0.59
Amortization Expense		 -0.21 -0.19 -0.16 -0.13 -0.03 -0.05 -0.09 -0.21 -0.26 -0.30 -0.50
Non-Cash Adjustments to Reconcile Net Income		 -1.01 -0.53 0.01 -0.53 0.41 -0.24 12 0.13 0.28 -0.14 0.13
Changes in Operating Assets and Liabilities, net		 -0.39 -3.75 -0.54 -1.42 1.34 0.02 -2.51 -0.46 -1.32 2.61 -7.18
Net Cash From Investing Activities		 8.16 -16 -0.78 -28 13 -24 -38 -34 -13 -55 -17
Net Cash From Continuing Investing Activities		 8.16 -16 -0.78 -28 13 -24 -38 -34 -13 -55 -17
Purchase of Property, Leasehold Improvements and Equipment		 -0.97 -1.22 -0.86 -0.27 -0.10 -0.26 -0.10 -0.19 -0.20 -0.07 -1.05
Purchase of Investment Securities		 -20 3.40 -3.30 18 -2.60 -29 -169 -46 -26 -83 -38
Sale and/or Maturity of Investments		 29 -18 3.98 -46 16 5.50 132 13 13 29 23
Other Investing Activities, net		 - - -0.60 - 0.00 - - -0.60 -0.20 -0.88 -1.21
Net Cash From Financing Activities		 -5.95 86 2.44 -71 -5.51 23 24 4.94 34 68 -26
Net Cash From Continuing Financing Activities		 -5.95 86 2.44 -71 -5.51 23 24 4.94 34 68 -26
Net Change in Deposits		 -4.67 87 4.05 -70 -2.42 28 25 5.39 36 4.62 -39
Repayment of Debt		 - - - - - - - - - - 14
Repurchase of Common Equity		 -0.01 - -0.33 -0.63 -2.38 -4.44 -0.01 -0.01 -0.29 -0.01 -0.01
Payment of Dividends		 -1.28 -1.29 -1.28 -1.28 -1.28 -1.26 -1.30 -1.30 -1.41 -1.42 -1.42
Other Financing Activities, Net		 0.00 - -0.01 0.73 0.57 0.57 0.60 0.87 0.34 0.21 0.12
Cash Interest Paid		 6.00 6.89 7.92 8.58 6.58 6.96 5.99 6.11 5.88 6.73 6.46
Cash Income Taxes Paid		 0.03 4.19 2.15 -0.03 1.00 0.15 0.02 - 0.01 0.63 0.89

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 13
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 0.00
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 1,207
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
Short-Term Debt		 60 55 64 51 31 41 39 8.06 - - 0.00
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 Q2 2026 Q3 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 6/30/2026 9/30/2026
Total Assets		 1,399 1,473 1,560 1,562 1,483 1,518 1,546 1,583 1,656 1,628
Cash and Due from Banks		 6.70 6.69 8.80 8.76 9.08 14 13 13 13 43
Interest Bearing Deposits at Other Banks		 46 67 134 139 52 50 43 43 63 19
Trading Account Securities		 173 232 269 271 259 267 273 295 326 344
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,152
Premises and Equipment, Net		 19 20 20 21 20 20 20 19 19 20
Goodwill		 9.73 9.73 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 1,226 25
Total Liabilities & Shareholders' Equity		 1,399 1,473 1,560 1,562 1,483 1,518 1,546 1,583 1,656 1,628
Total Liabilities		 1,285 1,331 1,417 1,413 1,335 1,370 1,393 1,425 1,494 1,472
Interest Bearing Deposits		 1,236 1,262 1,350 1,354 1,281 1,309 1,334 1,375 1,380 1,331
Short-Term Debt		 0.00 - 35 - - - - - 65 79
Long-Term Debt		 35 35 - 35 35 35 35 35 35 35
Other Long-Term Liabilities		 14 34 33 24 19 25 24 14 14 17
Total Equity & Noncontrolling Interests		 115 142 143 149 148 148 152 159 162 156
Total Preferred & Common Equity		 115 142 143 149 148 148 152 159 162 156
Total Common Equity		 115 142 143 149 148 148 152 159 162 156
Common Stock		 87 88 88 88 89 90 90 91 91 91
Retained Earnings		 72 86 88 90 91 94 87 93 96 100
Treasury Stock		 -14 -15 -15 -15 -17 -21 -21 -20 -20 -20
Accumulated Other Comprehensive Income / (Loss)		 -30 -18 -18 -14 -15 -14 -4.01 -4.92 -4.91 -15

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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 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 6/30/2026 9/30/2026
DEI Shares Outstanding		 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 5,072,611.00 5,081,584.00
DEI Adjusted Shares Outstanding		 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 5,072,611.00 5,081,584.00
DEI Earnings Per Adjusted Shares Outstanding		 0.82 0.52 0.63 - 0.37 0.79 -1.14 0.95 0.76 0.85 1.05
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.16% -9.19% -3.21% -52.30% -10.43% 10.80% -80.94% 19.17% 22.62% 15.11% 561.40%
EBITDA Growth		 -6.56% -11.54% 10.42% -82.14% -51.05% 38.21% -251.94% 70.70% 73.18% 7.23% 188.80%
EBIT Growth		 -3.20% -7.12% 22.56% -83.34% -54.34% 46.88% -277.00% 80.88% 96.10% 8.14% 182.96%
NOPAT Growth		 0.96% -3.88% 20.47% -80.49% -54.50% 49.02% -252.66% 87.47% 102.57% 8.91% 208.40%
Net Income Growth		 0.96% -3.88% 20.47% -80.49% -54.50% 49.02% -276.95% 87.47% 102.57% 8.91% 193.52%
EPS Growth		 1.23% -5.56% 15.38% -82.21% -57.32% 45.10% -278.33% 100.00% 108.57% 8.11% 192.52%
Operating Cash Flow Growth		 -54.92% -189.35% -66.41% 146.33% 23.53% 454.37% 50.67% 216.36% -25.06% 79.70% -137.09%
Free Cash Flow Firm Growth		 -178.40% -257.07% -607.00% 82.38% 87.96% 93.37% 73.39% -7.97% -37.37% -4,640.55% -832.75%
Invested Capital Growth		 33.58% 17.41% 22.96% 4.35% 3.82% 3.11% 1.83% 5.60% 5.74% 43.02% 44.09%
Revenue Q/Q Growth		 -51.16% -9.99% 4.52% 3.80% -7.31% 11.35% -82.02% 542.20% -4.63% 4.53% 3.31%
EBITDA Q/Q Growth		 -70.23% -34.17% 18.29% -22.96% -14.93% 85.86% -230.05% 183.01% -13.69% 15.09% 7.69%
EBIT Q/Q Growth		 -72.06% -37.26% 23.55% -23.07% -19.81% 101.84% -248.89% 175.06% -13.06% 11.31% 14.22%
NOPAT Q/Q Growth		 -67.64% -36.84% 21.47% -21.44% -24.52% 106.86% -224.44% 196.48% -18.43% 11.22% 23.85%
Net Income Q/Q Growth		 -67.64% -36.84% 21.47% -21.44% -24.52% 106.86% -244.24% 183.23% -18.43% 11.22% 23.85%
EPS Q/Q Growth		 -67.59% -37.80% 17.65% -25.00% -22.22% 111.43% -244.59% 184.11% -18.89% 9.59% 23.75%
Operating Cash Flow Q/Q Growth		 195.04% -135.77% 363.04% -48.19% 153.43% 2.61% 11.83% 8.79% -39.96% 146.02% -123.08%
Free Cash Flow Firm Q/Q Growth		 -39.81% 40.97% -31.38% 83.75% 4.45% 67.47% -426.99% 34.07% -21.56% -1,022.44% -3.69%
Invested Capital Q/Q Growth		 1.01% 0.74% 3.53% -0.95% 0.51% 0.05% 2.25% 2.71% 0.64% 35.32% 3.01%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.62% 30.44% 34.45% 25.57% 22.75% 37.97% -274.65% 35.50% 32.13% 35.37% 36.88%
EBIT Margin		 37.88% 26.40% 31.21% 23.13% 19.31% 35.00% -289.84% 33.88% 30.88% 32.88% 36.36%
Profit (Net Income) Margin		 31.07% 21.80% 25.33% 19.17% 15.78% 29.31% -235.18% 30.48% 26.07% 27.74% 33.25%
Tax Burden Percent		 82.02% 82.55% 81.16% 82.89% 81.72% 83.75% 81.14% 89.98% 84.41% 84.35% 91.47%
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		 17.98% 17.45% 18.84% 17.11% 18.28% 16.25% 0.00% 10.02% 15.59% 15.65% 8.53%
Return on Invested Capital (ROIC)		 13.64% 8.81% 10.03% 5.54% 4.39% 8.37% -45.03% 7.09% 6.41% 6.02% 9.01%
ROIC Less NNEP Spread (ROIC-NNEP)		 13.64% 8.81% 10.03% 5.54% 4.39% 8.37% -47.29% 7.09% 6.41% 6.02% 9.01%
Return on Net Nonoperating Assets (RNNOA)		 2.61% 2.35% 2.64% 1.34% 1.05% 1.99% -10.89% 1.62% 1.45% 2.61% 4.34%
Return on Equity (ROE)		 16.25% 11.16% 12.67% 6.88% 5.45% 10.36% -55.92% 8.71% 7.86% 8.63% 13.35%
Cash Return on Invested Capital (CROIC)		 -14.10% -2.34% -6.78% 2.81% 1.99% 3.37% -0.36% -2.83% -1.93% -32.16% -28.15%
Operating Return on Assets (OROA)		 1.77% 1.17% 1.39% 0.81% 0.65% 1.17% -7.68% 0.97% 0.93% 1.00% 1.42%
Return on Assets (ROA)		 1.45% 0.97% 1.13% 0.67% 0.53% 0.98% -6.23% 0.88% 0.79% 0.84% 1.30%
Return on Common Equity (ROCE)		 16.25% 11.16% 12.67% 6.88% 5.45% 10.36% -55.92% 8.71% 7.86% 8.63% 13.35%
Return on Equity Simple (ROE_SIMPLE)		 15.95% 15.74% 15.44% 0.00% 6.95% 7.82% 1.77% 0.00% 4.32% 4.45% 11.69%
Net Operating Profit after Tax (NOPAT)		 4.20 2.65 3.22 2.53 1.91 3.95 -4.91 4.74 3.87 4.30 5.33
NOPAT Margin		 31.07% 21.80% 25.33% 19.17% 15.78% 29.31% -202.89% 30.48% 26.07% 27.74% 33.25%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.25% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.46% 55.54% 51.22% 54.53% 66.39% 51.67% 290.17% 50.01% 54.51% 53.88% 50.31%
Operating Expenses to Revenue		 62.40% 73.89% 69.11% 71.68% 81.02% 64.94% 379.15% 63.80% 67.49% 67.01% 64.07%
Earnings before Interest and Taxes (EBIT)		 5.12 3.21 3.97 3.05 2.34 4.72 -7.02 5.27 4.58 5.10 5.82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.62 3.70 4.38 3.37 2.75 5.12 -6.65 5.52 4.77 5.49 5.91
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.76 0.79 0.93 0.99 0.95 0.97 1.09 1.10 1.09 1.19 1.20
Price to Tangible Book Value (P/TBV)		 0.82 0.85 1.00 1.06 1.02 1.03 1.16 1.17 1.16 1.26 1.28
Price to Revenue (P/Rev)		 1.58 1.69 2.11 2.82 2.82 2.78 4.02 3.98 3.75 3.98 3.02
Price to Earnings (P/E)		 4.74 5.00 6.04 11.53 13.69 12.34 61.53 35.36 25.29 26.65 10.26
Dividend Yield		 4.81% 4.57% 3.70% 3.53% 3.63% 3.51% 3.04% 2.95% 3.07% 2.85% 2.99%
Earnings Yield		 21.11% 19.99% 16.57% 8.67% 7.30% 8.11% 1.63% 2.83% 3.95% 3.75% 9.75%
Enterprise Value to Invested Capital (EV/IC)		 0.39 0.03 0.14 0.72 0.63 0.62 0.77 0.75 0.79 0.82 0.89
Enterprise Value to Revenue (EV/Rev)		 1.01 0.07 0.40 2.53 2.29 2.20 3.51 3.32 3.30 4.47 3.86
Enterprise Value to EBITDA (EV/EBITDA)		 2.08 0.14 0.81 7.64 8.15 7.26 31.48 21.48 17.45 23.68 11.03
Enterprise Value to EBIT (EV/EBIT)		 2.26 0.15 0.86 8.50 9.22 8.06 46.86 27.31 20.24 27.23 11.52
Enterprise Value to NOPAT (EV/NOPAT)		 3.01 0.20 1.15 10.35 11.12 9.77 53.67 29.52 22.26 29.94 13.12
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.63 0.58 15.26 19.32 15.24 8.85 10.05 8.13 9.09 10.75 17.39
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 26.03 32.12 18.63 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.25 0.24 0.23 0.24 0.23 0.23 0.23 0.22 0.22 0.62 0.73
Long-Term Debt to Equity		 0.25 0.00 0.23 0.24 0.23 0.23 0.23 0.22 0.22 0.21 0.22
Financial Leverage		 0.19 0.27 0.26 0.24 0.24 0.24 0.23 0.23 0.23 0.43 0.48
Leverage Ratio		 11.22 11.54 11.22 10.23 10.20 10.57 10.30 9.93 9.99 10.22 10.29
Compound Leverage Factor		 11.22 11.54 11.22 10.23 10.20 10.57 10.30 9.93 9.99 10.22 10.29
Debt to Total Capital		 19.68% 19.54% 18.88% 19.07% 18.98% 18.97% 18.56% 18.08% 17.97% 38.10% 42.18%
Short-Term Debt to Total Capital		 0.00% 19.54% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 24.82% 29.29%
Long-Term Debt to Total Capital		 19.68% 0.00% 18.88% 19.07% 18.98% 18.97% 18.56% 18.08% 17.97% 13.28% 12.90%
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		 80.32% 80.46% 81.12% 80.93% 81.02% 81.03% 81.44% 81.92% 82.03% 61.90% 57.82%
Debt to EBITDA		 1.06 1.08 1.07 2.03 2.47 2.22 7.57 5.16 3.97 10.94 5.25
Net Debt to EBITDA		 -1.19 -3.35 -3.46 -0.87 -1.89 -1.91 -4.61 -4.25 -2.37 2.60 2.40
Long-Term Debt to EBITDA		 1.06 0.00 1.07 2.03 2.47 2.22 7.57 5.16 3.97 3.81 1.60
Debt to NOPAT		 1.54 1.54 1.51 2.76 3.37 2.99 12.91 7.09 5.07 13.83 6.24
Net Debt to NOPAT		 -1.73 -4.80 -4.89 -1.18 -2.58 -2.56 -7.86 -5.84 -3.03 3.28 2.86
Long-Term Debt to NOPAT		 1.54 0.00 1.51 2.76 3.37 2.99 12.91 7.09 5.07 4.82 1.91
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)		 -40 -24 -31 -5.06 -4.83 -1.57 -8.28 -5.46 -6.64 -74 -77
Operating Cash Flow to CapEx		 336.08% -95.65% 358.29% 588.52% 3,987.13% 1,607.78% 4,443.27% 2,673.94% 1,494.06% 11,250.00% -162.62%
Free Cash Flow to Firm to Interest Expense		 -6.27 -3.17 -3.75 -0.64 -0.74 -0.25 -1.33 -0.89 -1.15 -11.69 -11.71
Operating Cash Flow to Interest Expense		 0.51 -0.16 0.37 0.20 0.62 0.66 0.74 0.82 0.52 1.17 -0.26
Operating Cash Flow Less CapEx to Interest Expense		 0.36 -0.32 0.27 0.17 0.60 0.62 0.72 0.78 0.49 1.15 -0.42
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.04
Fixed Asset Turnover		 3.63 3.42 3.35 2.55 2.50 2.54 2.02 2.16 2.32 2.46 3.13
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 176 178 184 182 183 183 187 192 194 262 270
Invested Capital Turnover		 0.44 0.40 0.40 0.29 0.28 0.29 0.22 0.23 0.25 0.22 0.27
Increase / (Decrease) in Invested Capital		 44 26 34 7.58 6.74 5.52 3.37 10 11 79 83
Enterprise Value (EV)		 68 4.55 26 130 115 113 144 145 153 216 239
Market Capitalization		 107 112 139 145 141 143 166 173 173 192 187
Book Value per Share		 $27.53 $27.79 $29.00 $28.76 $28.93 $29.54 $30.58 $31.44 $31.28 $31.96 $30.69
Tangible Book Value per Share		 $25.52 $25.82 $27.10 $26.87 $27.03 $27.60 $28.63 $29.50 $29.36 $30.04 $28.78
Total Capital		 176 178 184 182 183 183 187 192 194 262 270
Total Debt		 35 35 35 35 35 35 35 35 35 100 114
Total Long-Term Debt		 35 0.00 35 35 35 35 35 35 35 35 35
Net Debt		 -39 -108 -113 -15 -27 -30 -21 -29 -21 24 52
Capital Expenditures (CapEx)		 0.97 1.22 0.86 0.27 0.10 0.26 0.10 0.19 0.20 0.07 1.05
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.78 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 35 35 35 35 35 35 35 35 35 100 114
Total Depreciation and Amortization (D&A)		 0.51 0.49 0.41 0.32 0.42 0.40 0.37 0.25 0.19 0.39 0.08
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.82 $0.52 $0.63 $0.48 $0.37 $0.79 ($1.14) $0.95 $0.77 $0.85 $1.05
Adjusted Weighted Average Basic Shares Outstanding		 5.13M 5.14M 5.14M 5.13M 5.13M 5.02M 4.99M 5.04M 5.05M 5.07M 5.08M
Adjusted Diluted Earnings per Share		 $0.82 $0.51 $0.60 $0.45 $0.35 $0.74 ($1.07) $0.90 $0.73 $0.80 $0.99
Adjusted Weighted Average Diluted Shares Outstanding		 5.14M 5.15M 5.35M 5.30M 5.47M 5.33M 5.32M 5.31M 5.32M 5.35M 5.36M
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		 5.14M 5.14M 5.12M 5.12M 5.02M 4.99M 5.01M 5.08M 5.07M 5.08M 5.10M
Normalized Net Operating Profit after Tax (NOPAT)		 4.20 2.65 3.22 2.53 1.91 3.95 -4.91 4.74 3.87 4.30 5.33
Normalized NOPAT Margin		 31.07% 21.80% 25.33% 19.17% 15.78% 29.31% -202.89% 30.48% 26.07% 27.74% 33.25%
Pre Tax Income Margin		 37.88% 26.40% 31.21% 23.13% 19.31% 35.00% -289.84% 33.88% 30.88% 32.88% 36.36%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.80 0.43 0.48 0.39 0.36 0.76 -1.12 0.85 0.79 0.80 0.88
NOPAT to Interest Expense		 0.66 0.35 0.39 0.32 0.29 0.63 -0.79 0.77 0.67 0.68 0.81
EBIT Less CapEx to Interest Expense		 0.65 0.27 0.37 0.35 0.34 0.72 -1.14 0.82 0.76 0.79 0.72
NOPAT Less CapEx to Interest Expense		 0.50 0.19 0.28 0.29 0.28 0.59 -0.80 0.74 0.63 0.66 0.65
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.65% 22.79% 22.27% 40.73% 49.78% 43.94% 189.97% 104.71% 76.72% 75.25% 30.47%
Augmented Payout Ratio		 25.83% 25.10% 25.95% 48.40% 82.17% 110.97% 467.19% 244.22% 146.01% 79.79% 32.27%

Financials Breakdown Chart

Key Financial Trends

CB Financial Services (NASDAQ: CBFV) showed continued improvement in the second quarter of 2026. Total revenue increased to $15.5 million from $13.5 million in the restated second quarter of 2025, while net interest income rose 15.9% to $14.5 million. Net income attributable to common shareholders increased 8.9% to $4.3 million, and diluted earnings per share improved to $0.80 from $0.74. Results also strengthened sequentially from the first quarter, with net income up 11.2% and diluted EPS rising from $0.73 to $0.80.

The broader trend is a recovery from the significant investment-loss-driven downturn in the third quarter of 2025, when the company reported a $5.7 million net loss. Since then, CBFV has returned to profitability, although quarterly earnings remain below the unusually strong fourth quarter of 2023, which benefited from $14.5 million of net investment gains. The company’s latest results appear more dependent on recurring net interest income than on large investment gains.

The balance sheet also expanded. Total assets reached $1.66 billion at June 30, 2026, up 9.1% from a year earlier, while total common equity increased 9.3% to $162.1 million. Interest-bearing deposits grew to $1.38 billion, and trading account securities rose 21.9% year over year to $325.6 million. However, the quarter also included substantial investment purchases and increased short-term debt, which investors should monitor alongside deposit growth and interest costs.

  • Improving earnings momentum: Q2 2026 net income rose 8.9% year over year and 11.2% sequentially, while diluted EPS increased to $0.80.
  • Net interest income strengthened: Net interest income reached $14.5 million, up from $12.5 million in Q2 2025 and $13.9 million in Q1 2026.
  • Interest revenue growth outpaced interest costs: Total interest income increased 11.5% year over year, while total interest expense rose 2.4%, supporting expansion in net interest income.
  • Operating cash flow improved materially: Cash from operating activities increased to $7.4 million in Q2 2026 from $4.1 million in Q2 2025 and $3.0 million in Q1 2026.
  • Balance-sheet growth continued: Total assets increased 9.1% year over year, and total common equity rose to $162.1 million from $148.4 million.
  • Liquidity increased during the quarter: Cash and due from banks plus interest-bearing deposits at other banks totaled approximately $75.1 million at June 30, 2026, compared with $55.5 million at March 31, 2026.
  • Investment portfolio activity remained substantial: CBFV purchased $83.0 million of investment securities and received $28.7 million from sales or maturities, resulting in $55.3 million of net investing cash outflow.
  • Credit-loss provisions are currently modest: The Q2 provision for credit losses was $17,000, down from $241,000 in Q1 2026, although a low provision may not persist if credit conditions weaken.
  • Non-interest expenses grew faster than revenue: Q2 non-interest expense increased 18.8% year over year to $10.4 million, compared with 15.1% growth in total revenue, limiting operating leverage.
  • Funding and interest-rate risks remain important: CBFV reported $65.0 million of short-term debt in Q2 2026, while deposits interest expense increased to $5.9 million from $5.7 million a year earlier. Further funding-cost increases could pressure future margins.
11/13/26 12:16 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. View CB Financial Services' forecast to see where analysts expect CB Financial Services to go next.

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%.

In the past 12 quarters, CB Financial Services' cash and equivalents has ranged from $6.69 million in Q1 2024 to $42.63 million in Q3 2026, and is currently $42.63 million as of their latest financial filing in Q3 2026.

CB Financial Services had total debt of $34.76 million at the end of 2025, a 0.1% increase from 2024, and a 42.5% decrease since 2015.

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 11/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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