CB Financial Services, Inc.
CBFV Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$38.65
KIRA · Stoqly’s AI analyst, in plain words
- CB Financial Services, Inc. had $43.5M of revenue in fiscal 2025, down 15.5% on the year before. Over five years, revenue changed −1.7% a year on average.
- CB Financial Services, Inc. made $4.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −7.5% a year.
- CB Financial Services, Inc. returned $12.0M to shareholders in fiscal 2025, 70% of free cash flow. The diluted share count rose 0.1%.
- It earned 3.2% on shareholders’ money. Running costs took 86.5% of revenue (the efficiency ratio; lower is better).
Market cap
$207M
P/E
28.4x
Revenue
$43.5M
Net income
$4.9M
Return on equity
3.2%
Efficiency ratio
86.5%
CB Financial Services, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−15.5%
No. Sales fell 15.5% last year.
Does it make a profit?
11.3%
Yes. It keeps 11.3% of every sale as profit.
How lean are its costs?
86.5%
Costly. Running costs take 86.5% of revenue.
How much does it earn on its capital?
3.2%
Low. It earns 3.2% a year on shareholders’ money.
How is the share priced?
28.4x
One share costs 28.4 times its yearly profit per share.
What CB Financial Services, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- CB Financial Services, Inc.
- CIK
- 0001605301
CB Financial Services, Inc. · CBFV
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $43.6M | $52.8M | $68.6M | $51.6M | $43.5M |
| Revenue growth | −8.2% | 21.1% | 30.0% | −24.8% | −15.5% |
| Net interest income | $40.2M | $42.9M | $44.6M | $46.1M | $50.8M |
| Net income | $11.6M | $11.2M | $22.6M | $12.6M | $4.9M |
| Net margin | 26.6% | 21.3% | 32.9% | 24.4% | 11.3% |
| Diluted EPS | $2.15 | $2.18 | $4.40 | $2.38 | $0.92 |
| Cash | |||||
| Cash from operations | $13.1M | $14.2M | $14.2M | $6.8M | $17.8M |
| Capital expenditure | $2.4M | $0.5M | $3.3M | $3.3M | $0.7M |
| Free cash flow | $10.7M | $13.6M | $10.9M | $3.4M | $17.2M |
| FCF margin | 24.5% | 25.9% | 16.0% | 6.7% | 39.4% |
| Dividends paid | $5.2M | $4.9M | $5.1M | $5.1M | $5.1M |
| Share buybacks | $4.1M | $4.8M | $0.8M | $1.0M | $6.8M |
| Share count change | −0.3% | −4.5% | −0.5% | 3.5% | 0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $120M | $104M | $68.2M | $49.6M | $31.7M |
| Debt incl. finance leases | $39.3M | $8.1M | $0.0M | $0.0M | $0.0M |
| Loans, net | $1.0B | $1.0B | $1.1B | $1.1B | $1.2B |
| Deposits | $1.2B | $1.3B | $1.3B | $1.3B | $1.3B |
| Shareholders' equity | $133M | $110M | $140M | $147M | $158M |
| Returns and quality | |||||
| Return on equity | 8.6% | 9.2% | 18.0% | 8.8% | 3.2% |
| Return on tangible equity | 9.8% | 11.6% | 17.5% | 9.1% | 3.3% |
| Efficiency ratio | 98.4% | 66.1% | 56.6% | 69.1% | 86.5% |
| Piotroski F-score | 6 | 6 | 6 | 2 | 3 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$0.2M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
CB Financial Services, Inc. · CBFV
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.65 a share, the company is worth $207M: 28.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001605301). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.