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Cb Financial Services(NASDAQ) CBFV

Current Price$35.77
Market Cap$182.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+1,295%
5 Year+85%
1 Year+14%
1 Month-3%
Cb Financial Services last closing stock price
MetricPriceDate
Last closeUSD 35.902026-07-24
Cb Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.27%USD 36.362026-07-17
1 month-3.23%USD 37.102026-06-24
3 month+2.81%USD 34.922026-04-24
Year to date+4.6%USD 34.322025-12-31
1 year+14.02%USD 31.492025-07-24
3 year+80.69%USD 19.872023-07-25
5 year+85.33%USD 19.372021-07-23
Since inception+1,295.18%USD 2.571995-08-16

Cb Financial Services Financials at a Glance

Market Cap

$182.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$70.63M

Net Income (TTM)

$6.86M

EPS (TTM)

$1.22

P/E Ratio

29.45

Dividend

$1.08

Beta (Volatility)

0.26 (Low)

Price

$35.77

Volume

34

Open

$35.77

Previous Close

$35.77

Daily Range

$35.77 - $35.77

52-Week Range

$30.00 - $38.86

Estimated Earnings Date

Jul 24, 2026

CBFV News

No articles available.

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About Cb Financial Services

CB Financial Services helps people and businesses manage money and get loans. Its services include checking accounts, savings, and mortgages for local communities. The company also offers business loans and insurance, making daily banking easier for customers.

Money Matters: Products and Services

  • Deposit Accounts: Checking, savings, and time deposit accounts for individuals and businesses (revenue share not disclosed).
  • Residential Loans: Mortgages and home equity loans for homebuyers and homeowners (28.3% of total loans in 2025).
  • Commercial Real Estate Loans: Loans for retail, office, and other business properties (47.5% of total loans in 2025).
  • Business and Industrial Loans: Financing for equipment, inventory, and working capital (13.9% of total loans in 2025).
  • Consumer Loans: Personal loans and lines of credit, including auto loans (3.7% of total loans in 2025).
  • Insurance Services: Property, casualty, and liability insurance (insurance agency assets sold in 2023).

Branching Out: Growth and Expansion

  • Sold insurance agency subsidiary to World Insurance Associates, LLC in December 2023 for $30.5 million.
  • Repositioned securities portfolio in 2025, selling $129.6 million in lower-yielding assets.
  • Discontinued indirect auto loan originations in June 2023 to focus on core lending.
  • Expanded digital banking and operational efficiency initiatives throughout 2024 and 2025.
  • Maintained 12 branch offices across Pennsylvania and West Virginia.

What Makes CB Financial Services Stand Out

The company focuses on local markets, building strong customer relationships through its branch network. It maintains conservative lending standards and invests in digital banking for convenience. Strategic balance sheet moves help manage risk and support long-term stability.

Five Things You Need to Know

  • Total revenue was $22 million in Q4 2025, up 7.4% year-over-year.
  • Net income fell to $4.9 million in 2025, down 61.1% from 2024.
  • Loan portfolio reached $1.16 billion in 2025, up 6.4% year-over-year.
  • Noninterest income dropped to $(7.2) million in 2025 due to securities losses.
  • Capital ratios stayed above regulatory minimums, with Tier 1 Capital at 13.92% in 2025.

Bottom Line

CB Financial Services has adapted through asset sales, digital upgrades, and a focus on core lending. Its regional approach and conservative strategy support steady operations in changing markets.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

169

CEO

John H. Montgomery

Website

www.cb.bank/about/get-to-know-us/investor-relations

Headquarters

Carmichaels, PA 15320, US

CBFV Financials

Key Financial Metrics (TTM)

Gross Margin

64.21%

Operating Margin

10.68%

Net Income Margin

9.72%

Return on Equity

4.45%

Return on Capital

2.76%

Return on Assets

0.43%

Earnings Yield

3.40%

Dividend Yield

3.01%

Payout Ratio

76.71%

Stock Overview

Market Cap

$182.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.07M

Volume

34

Avg. Volume

6.10K

Financials (TTM)

Gross Profit

$45.35M

Operating Income

$7.55M

EBITDA

$9.36M

Operating Cash Flow

$16.69M

Capital Expenditure

-$751.00K

Free Cash Flow

$15.94M

Cash & ST Invst.

$55.55M

Total Debt

$37.75M

Cb Financial Services Performance Analysis

Cb Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 57,256,0004.4%
20232023-12-31USD 61,763,0007.9%
20242024-12-31USD 81,163,00031.4%
20252025-12-31USD 68,604,000-15.5%
Cb Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.7%
Q32025-09-30-56.0%
Q42025-12-31150.3%
Q12026-03-31-4.9%
Cb Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.181.8%
20232023-12-31USD 4.40101.5%
20242024-12-31USD 2.38-46.0%
20252025-12-31USD 0.92-61.1%
Cb Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30111.4%
Q32025-09-30-254.1%
Q42025-12-31178.1%
Q12026-03-31-18.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$20.61M

+10.6%

Gross Profit

$14.59M

+20.2%

Gross Margin

70.80%

N/A

Market Cap

$182.11MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.08M

N/A

Employees

169

N/A

Net Income

$3.87M

+102.6%

EBITDA

$5.03M

+80.9%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$55.55M

-9.4%

Total Debt

$37.75M

+8.7%

Accounts Receivable

$6.45M

N/A

Inventory

$0.00

N/A

Long Term Debt

$37.13M

+6.9%

Short Term Debt

$623.00K

N/A

Return on Assets

0.43%

N/A

Return on Invested Capital

0.48%

N/A

Free Cash Flow

$2.82M

-28.3%

Operating Cash Flow

$3.02M

-25.1%

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Questions About CBFV

What is the current price of Cb Financial Services?

Cb Financial Services is trading at $35.77 per share.

What is the 52-week range for Cb Financial Services?

Over the past 52 weeks, Cb Financial Services has traded between $30.00 and $38.86.

How much debt does Cb Financial Services have?

As of the most recent reporting period, Cb Financial Services reported total debt of $37.75M.

How much cash does Cb Financial Services have on hand?

Cb Financial Services does not have cash on hand data available.

What is Cb Financial Services’s dividend yield?

Cb Financial Services currently has a dividend yield of 3.01%.

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