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+25.0%
5Y+26.0%
10Y+79.0%
3Y-56.0%
5Y-146.0%
10Y-35.0%
3Y+26.0%
5Y+26.0%
10Y+68.0%
CB Financial Services, Inc.

CB Financial Services, Inc. Profit Bridge

CBFV ยท NASDAQ
Revenue68.64M
Cost of Goods Sold (25.75M)
Gross Profit42.89M
Operating Expenses (37.59M)
Operating Income5.30M
Interest Expense (25.16M)
Other Income/Expense0.00
Pretax Income5.30M
Income Tax (397.00K)
Net Income4.90M
Net Income
4.90M

Profitability Analysis

Gross Margin

62.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

7.7%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

7.1%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

7.5%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

CB Financial Services, Inc. Income Statement

CBFV โ€ข NASDAQ

CB Financial Services, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2005Dec 2004Dec 2003Dec 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

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