CB Financial Services, Inc.

CB Financial Services, Inc.

CBFVยทNASDAQ

$33.92

-0.56%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$172.06M
EPS0.9700
P/E Ratio34.97
Earnings Date07/22/2026
3Y+26.0%
5Y+26.0%
10Y+68.0%
3Y+192.0%
5Y+124.0%
10Y+371.0%
3Y-2681.0%
5Y-55.0%
10Y+374.0%
CBFV

CB Financial Services, Inc. Cash Conversion Engine

CBFV ยท NASDAQ
Net Income4.90M
Depreciation & Amortization1.81M
Stock-Based Compensation796.00K
Change in Working Capital-3.36M
Others13.72M
Capital Expenditures-650.00K
Free Cash Flow17.16M

Cash Flow Quality Analysis

FCF Conversion Rate

349.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

3.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+399.5%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$3.36M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

CB Financial Services, Inc. Cash Flow Statement

CBFV โ€ข NASDAQ

CB Financial Services, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2005Dec 2004Dec 2003Dec 2002
OPERATING ACTIVITIES
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
1.8M
2.4M
2.7M
2.7M
2.4M
3.3M
3.7M
3M
2.5M
3.1M
2.6M
763K
629K
484K
522K
1.2M
689.5K
2M
1.2M
-65K
-49K
-29K
-57K
-70K
-62K
-35K
-44K
57K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
796K
812K
1.1M
600K
566K
498K
323K
482K
361K
353K
15K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.7M
-5.5M
-16.9M
-109K
-3.3M
22.8M
-802K
4M
2.5M
-112K
37.5M
-7.5M
2.4M
2M
3M
799.9K
473.1K
401.1K
4.3K
(300K)
(6.3M)
(2.9M)
(3.2M)
(1.6M)
(3M)
(2.8M)
(850K)
(3.3M)
(2.7M)
(2.3M)
(1.8M)
(525K)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-3.4M
-3.5M
4.7M
-234K
1.9M
-1.9M
329K
-842K
-778K
-342K
3.1M
46K
801K
56K
292K
317.7K
-105.8K
-80.3K
-152.6K
17.8M
6.8M
14.2M
14.2M
13.1M
14.1M
17.9M
13.7M
11.6M
10.6M
51.6M
-2.4M
8.1M
6.7M
8.2M
5.3M
2.7M
3.8M
3.2M
INVESTING ACTIVITIES
(0.0)
-3.3M
-3.3M
-509K
-2.4M
-322K
-48K
-4.4M
-3.8M
-2.5M
-604K
-6.6M
-237K
-1.1M
-606K
-298.6K
-1M
-259.8K
-490.9K
(0.0)
(0.0)
(27M)
(0.0)
(0.0)
(0.0)
(0.0)
(20.6M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-169.1M
-70.2M
-100.2M
-26.8M
-135M
-69M
-50.2M
-11.2M
-44.7M
-77.9M
-28.3M
-52.1M
-41.5M
-130.8M
-91.1M
-50.9M
-73.5M
-39.1M
-31.8M
119.5M
15.4M
85.2M
29.2M
50.4M
122.1M
83.7M
96.8M
27.2M
64.8M
37.7M
81.8M
59.2M
106.4M
88M
42.1M
65.5M
45.3M
26.5M
-33M
21.8M
-63.4M
-30.2M
26.9M
-89.7M
-44.5M
-74.3M
-64.6M
-1.9M
-37.8M
-316.3M
-31.8M
-7.6M
-25.5M
-19M
-19.7M
-27.4M
-18.4M
-82.6M
-36.4M
-54.7M
-28.3M
-60.1M
-36.9M
-11M
(27.5M)
-85.9M
-17.5M
-28.9M
-293.1M
-14.4M
-33.1M
-29.1M
-28.1M
-28.8M
-21.5M
-24.2M
FINANCING ACTIVITIES
-4.2M
-965K
-843K
-4.8M
-4.1M
-1.9M
-71K
-317K
-10K
-14K
0.0
33.4M
0.0
0.0
319K
73.5K
-310.7K
4.2K
-213.3K
0.0
0.0
11.9M
-34.2M
7.8M
4.5M
-6.4M
-35.5M
9.1M
-5.4M
-1.4M
42.4M
-11M
-9.1M
-10.7M
-7.4M
-3.8M
4.5M
12.2M
-5.1M
-5.1M
-5.1M
-4.9M
-5.2M
-5.2M
-5.2M
-4.5M
-3.6M
-3.6M
-3.5M
-2.3M
-2.1M
-2.1M
-2M
-1.1M
-919.5K
-900.5K
-879.5K
-6.8M
-965K
-843K
-4.8M
-4.1M
-1.9M
-71K
-317K
-10K
-14K
(0.0)
-2.9M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
56.3M
17.1M
-972K
42.1M
7.3M
106.1M
31.7M
31.9M
75.2M
18.9M
-18.2M
217.4M
10.5M
20.4M
43.4M
14M
47.3M
15.6M
16.3M
46.9M
11M
5M
-1.8M
5.8M
103.5M
20M
-8.4M
80.6M
9.9M
-23M
290.9M
-2.5M
9.2M
31.1M
5.6M
42.3M
19.2M
27.4M
CASH FLOW SUMMARY
-17.9M
-18.7M
-35.5M
-16M
-41.2M
80.7M
26.9M
32.7M
6.3M
2.9M
-411K
-4.7M
-8.9M
-17.2M
0.0
-17.2M
16.3M
1.5M
6.5M
49.6M
68.2M
103.7M
119.7M
160.9M
80.2M
53.4M
20.6M
14.3M
11.3M
11.8M
16.4M
25.3M
42.5M
0.0
43.3M
27.1M
25.5M
19.1M
31.7M
49.6M
68.2M
103.7M
119.7M
160.9M
80.2M
53.4M
20.6M
14.3M
11.3M
11.8M
16.4M
25.3M
0.0
26.1M
43.3M
27.1M
25.5M
17.2M
3.4M
10.9M
13.6M
10.7M
13.8M
16.9M
8.3M
7.8M
8M
51M
-9M
7.8M
5.6M
7.6M
5M
1.7M
3.5M
2.8M

SEC Filings

CBFV - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 215 filings