$33.92
-0.56%CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates through its main office and 13 branch offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio, as well as one loan production offices in Allegheny County. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Acceptable margins but limited operational leverage. Operating expense control is important.
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
CBFV โข NASDAQ
| CB Financial Services, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2005 | Dec 2004 | Dec 2003 | Dec 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||||||||
68.6M | 79.2M | 60M | 54.7M | 50.1M | 54.5M | 57.7M | 50.8M | 39.3M | 38.4M | 38.6M | 24M | 20.8M | 21.7M | 23.3M | 19.4M | 17.1M | 16.1M | 16.5M | |
GROSS PROFIT | |||||||||||||||||||
(25.8M) | (30.6M) | (17.2M) | (8.6M) | (2.3M) | (9.6M) | (8.6M) | (8.5M) | (5.2M) | (4.9M) | (4.7M) | (2M) | (2.3M) | (3.5M) | (23.3M) | (5.8M) | (5M) | (5.3M) | (5M) | |
42.9M | 48.6M | 42.9M | 46.2M | 47.8M | 44.9M | 49.1M | 42.3M | 34M | 33.5M | 33.8M | 22M | 18.5M | 18.2M | 0.0 | 13.7M | 12M | 10.8M | 11.4M | |
OPERATING INCOME | |||||||||||||||||||
(37.6M) | (33.2M) | (12.6M) | (32.1M) | (33.1M) | (54.3M) | (33.1M) | (33.7M) | (24.2M) | (22.8M) | (22M) | (16.1M) | (13M) | (12.9M) | (3.4M) | (9.5M) | (9.8M) | (8.9M) | (8.4M) | |
(1.6M) | (20.3M) | (23.4M) | (19.9M) | (21.9M) | (23.4M) | (22.3M) | (19.4M) | (15M) | (14.2M) | (13.8M) | (9.3M) | (8M) | (8M) | (6.7M) | (5M) | (5M) | (4.4M) | (4M) | |
5.3M | 15.3M | 30.3M | 14.1M | 14.7M | -9.4M | 16.1M | 8.6M | 9.8M | 10.7M | 11.9M | 5.9M | 5.4M | 5.3M | 5.3M | 4.1M | 2.2M | 2M | 3.1M | |
PRE-TAX INCOME | |||||||||||||||||||
(25.2M) | (30.1M) | (17.7M) | (4.8M) | (3.4M) | (5.6M) | (7.9M) | (5.9M) | (3.4M) | (2.9M) | (2.7M) | (2M) | (2.2M) | (3.1M) | (494K) | (4.5M) | (4.1M) | (4.2M) | (4.6M) | |
50.8M | 46M | 44.4M | 42.8M | 40.1M | 41.8M | 43.1M | 37.6M | 29.1M | 29.1M | 29.2M | 18.9M | 15.7M | 15.5M | -494K | 12.4M | 10.7M | 9.9M | 10M | |
(36M) | (12.9M) | -10.8M | (12.2M) | (11.1M) | (30.9M) | (10.8M) | (14.3M) | (9.2M) | (8.6M) | (8.2M) | (6.8M) | (5M) | (5M) | -3.4M | (4.5M) | (4.8M) | (4.5M) | (4.3M) | |
5.3M | 15.3M | 30.3M | 14.1M | 14.7M | -9.4M | 16.1M | 8.6M | 9.8M | 10.7M | 11.9M | 5.9M | 5.4M | 5.3M | 5.3M | 4.1M | 2.2M | 2M | 3.1M | |
NET INCOME | |||||||||||||||||||
(397K) | (2.7M) | (7.7M) | (2.8M) | (3.1M) | (1.2M) | (1.7M) | (1.5M) | (2.9M) | (3.1M) | (3.4M) | (1.6M) | (1.2M) | (1M) | (894K) | (1.2M) | (590.6K) | (486.8K) | (847.1K) | |
4.9M | 12.6M | 22.6M | 11.2M | 11.6M | -10.6M | 14.3M | 7.1M | 6.9M | 7.6M | 8.4M | 4.3M | 4.3M | 4.2M | 4.4M | 2.9M | 1.6M | 1.5M | 2.2M |
CBFV - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 20, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 12, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 11, 2026 | May 07, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 09, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 31, 2025 | December 29, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 24, 2025 | November 20, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
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