Get started

Financials · CBFV

CB Financial Services Inc. (CBFV) financials

For the twelve months ended Jun 30, 2026, CB Financial Services Inc. reported $48.32M of revenue and $7.21M of net income.

Revenue, TTM
$48.32M
Revenue growth, YoY
-6.1%
Net income, TTM
$7.21M
Net income growth, YoY
-37.9%
Net margin
14.9%
Free cash flow, TTM
$19.53M
EPS, diluted, TTM
$1.36
EPS growth, YoY
-36.4%
Cash
$76.09M
P/E
28.68
P/S
4.28
Market cap
$206.8M
Annual revenue$43.55M
FY2016FY2025
Annual net income$4.90M
FY2016FY2025
Annual free cash flow$17.16M
FY2016FY2025

CBFV revenue and earnings growth

CBFV revenueQ2 2026$15.51M

Quarter YoY
+15.1%
QoQ
+4.5%
FY YoY
-15.5%
5Y CAGR
-3.3%
10Y CAGR
+1.7%

CBFV revenue was $15.51M in fiscal Q2 2026 (ended Jun 30, 2026), up 15.1% from a year earlier and up 4.5% from the prior quarter. For the full fiscal 2025 it was $43.55M, down 15.5% from fiscal 2024. Compound annual growth was -3.3% over 5 years and +1.7% over 10 years. It rose in 5 of the last 10 fiscal years.

CBFV net incomeQ2 2026$4.30M

Quarter YoY
+8.9%
QoQ
+11.2%
FY YoY
-61.1%
10Y CAGR
-5.3%

CBFV net income was $4.30M in fiscal Q2 2026 (ended Jun 30, 2026), up 8.9% from a year earlier and up 11.2% from the prior quarter. For the full fiscal 2025 it was $4.90M, down 61.1% from fiscal 2024. Compound annual growth was -5.3% over 10 years. It rose in 1 of the last 4 fiscal years.

CBFV EPSQ2 2026$0.80

Quarter YoY
+8.1%
QoQ
+9.6%
FY YoY
-61.3%
10Y CAGR
-7.8%

CBFV diluted EPS was $0.80 in fiscal Q2 2026 (ended Jun 30, 2026), up 8.1% from a year earlier and up 9.6% from the prior quarter. For the full fiscal 2025 it was $0.92, down 61.3% from fiscal 2024. Compound annual growth was -7.8% over 10 years.

CBFV free cash flowQ2 2026$7.36M

Quarter YoY
+89.9%
QoQ
+161.3%
FY YoY
+399.5%
5Y CAGR
+4.5%
10Y CAGR
-10.3%

CBFV free cash flow was $7.36M in fiscal Q2 2026 (ended Jun 30, 2026), up 89.9% from a year earlier and up 161.3% from the prior quarter. For the full fiscal 2025 it was $17.16M, up 399.5% from fiscal 2024. Compound annual growth was +4.5% over 5 years and -10.3% over 10 years. It rose in 4 of the last 10 fiscal years.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$43.55M$51.56M$68.56M$52.76M$56.43M$51.38M$51.74M$46.02M$36.86M$36.51M
Interest expense--$17.67M$4.78M$3.40M$5.56M$7.86M$5.95M$3.37M$2.87M
Pre-tax income$5.30M$15.34M$30.29M$14.08M$14.70M-$9.39M$16.06M$8.59M$9.82M$10.69M
Income tax$397.0K$2.75M$7.74M$2.83M$3.13M$1.25M$1.73M$1.54M$2.87M$3.11M
Net income$4.90M$12.59M$22.55M$11.25M$11.57M-$10.64M$14.33M$7.05M$6.94M$7.58M
EPS, basic$0.97$2.45$4.41$2.19$2.15-$1.97$2.64$1.42$1.70$1.86
EPS, diluted$0.92$2.38$4.40$2.18$2.15-$1.97$2.63$1.40$1.69$1.86
Diluted shares5.3M5.3M5.1M5.1M5.4M5.4M5.4M5.0M4.1M4.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$31.69M$49.57M$68.22M$103.70M$119.67M$160.91M$80.22M$53.35M$20.62M$14.28M
Goodwill$9.73M$9.73M$9.73M$9.73M$9.70M$9.73M$28.43M$28.43M$4.95M$4.95M
Total assets$1.55B$1.48B$1.46B$1.41B$1.43B$1.42B$1.32B$1.28B$934.49M$846.08M
Short-term debt$0$0$0$8.06M$39.27M$41.05M$30.57M$30.98M$39.60M$27.03M
Total liabilities$1.39B$1.33B$1.32B$1.30B$1.29B$1.28B$1.17B$1.14B$841.23M$756.61M
Shareholders' equity$157.54M$147.38M$139.83M$110.16M$133.12M$134.53M$151.10M$137.63M$93.26M$89.47M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$17.81M$6.75M$14.24M$14.15M$13.05M$14.08M$17.87M$13.66M$11.60M$10.57M
Capital expenditures$650.0K$3.31M$3.29M$509.0K$2.38M$322.0K$48.0K$4.43M$3.85M$2.54M
Free cash flow$17.16M$3.44M$10.94M$13.64M$10.67M$13.76M$17.82M$9.23M$7.76M$8.03M
Investing cash flow-$82.61M-$36.38M-$54.73M-$28.31M-$60.14M-$36.90M-$11.04M$27.47M-$85.89M-$17.52M
Financing cash flow$46.92M$10.98M$5.01M-$1.82M$5.85M$103.51M$20.03M-$8.39M$80.63M$9.89M
Dividends paid$5.13M$5.13M$5.11M$4.92M$5.17M$5.18M$5.21M$4.53M$3.60M$3.59M
Share repurchases$6.84M$965.0K$843.0K$4.80M$4.14M----$14.0K
Stock-based compensation$796.0K$812.0K$1.13M$600.0K$566.0K$498.0K$323.0K$482.0K$361.0K$353.0K
Depreciation and amortization$1.81M$2.42M$2.74M$2.70M$2.44M$3.34M$3.73M$3.04M$2.50M$3.09M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-15.5%-24.8%30.0%-6.5%9.8%-0.7%12.4%24.8%1.0%-0.8%
Net income growth, YoY-61.1%-44.2%100.5%-2.8%--103.2%1.6%-8.4%-10.0%
EPS growth, YoY-61.3%-45.9%101.8%1.4%--87.9%-17.2%-9.1%-10.1%
Net margin11.3%24.4%32.9%21.3%20.5%-20.7%27.7%15.3%18.8%20.8%
Free cash flow margin39.4%6.7%16.0%25.9%18.9%26.8%34.4%20.1%21.0%22.0%
Return on equity3.1%8.5%16.1%10.2%8.7%-7.9%9.5%5.1%7.4%8.5%
Return on assets0.3%0.9%1.5%0.8%0.8%-0.8%1.1%0.6%0.7%0.9%

Source: XBRL data CB Financial Services Inc. files with the SEC, latest filing dated Aug 7, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CBFV peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CBFV$48.32M-6.1%$7.21M14.9%$206.8M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

CBFV FAQ

8 questions
  • What is CBFV revenue?
    CB Financial Services Inc. (CBFV) reported $48.32M of revenue for the twelve months ended Jun 30, 2026. That is down 6.1% from the year before. Revenue for fiscal 2025 was $43.55M.
  • Is CBFV profitable?
    Yes. CB Financial Services Inc. earned $7.21M in net income for the twelve months ended Jun 30, 2026, a net margin of 14.9%.
  • How much cash and debt does CBFV have?
    CB Financial Services Inc. reported $76.09M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CBFV revenue growing?
    CB Financial Services Inc.'s revenue changed -15.5% in fiscal 2025, to $43.55M. Its compound annual growth rate was -3.3% over 5 years and +1.7% over 10 years.
  • What is CBFV free cash flow?
    CB Financial Services Inc. generated $19.53M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $20.09M less capital expenditures.
  • What is CBFV earnings per share?
    Diluted earnings per share were $1.36 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CBFV last report financial results?
    The latest statements here come from CB Financial Services Inc.'s 10-Q filed on Aug 7, 2026, covering the period ended Jun 30, 2026.
  • Where does this CBFV financial data come from?
    Quantisnow builds these statements from the structured XBRL data CB Financial Services Inc. files with the SEC. It is provided for information only and is not investment advice.