Cb Financl Srvcs Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Cb Financl Srvcs's revenue surged 22.3% year-over-year to $76.1M, reflecting rapid business expansion. This strong growth earns a score of 92/100.
Cb Financl Srvcs has elevated debt relative to equity (D/E of 9.05), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Cb Financl Srvcs's free cash flow margin of 4.5% results in a low score of 23/100. Capital expenditures of $3.3M absorb a large share of operating cash flow.
Cb Financl Srvcs's ROE of 8.6% shows moderate profitability relative to equity, earning a score of 34/100. This is down from 16.1% the prior year.
Cb Financl Srvcs passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Cb Financl Srvcs generates $0.54 in operating cash flow ($6.8M OCF vs $12.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
This page shows Cb Financl Srvcs (CBFV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Cb Financl Srvcs generated $76.1M in revenue in fiscal year 2024. This represents an increase of 22.3% from the prior year.
Cb Financl Srvcs generated $3.4M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 68.6% from the prior year.
Cb Financl Srvcs reported $12.6M in net income in fiscal year 2024. This represents a decrease of 44.2% from the prior year.
Cb Financl Srvcs earned $2.38 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 45.9% from the prior year.
Cb Financl Srvcs held $49.6M in cash against $0 in long-term debt as of fiscal year 2024.
Cb Financl Srvcs paid $1.00 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Cb Financl Srvcs had 5M shares outstanding in fiscal year 2024. This represents an increase of 0.3% from the prior year.
Cb Financl Srvcs's net profit margin was 16.5% in fiscal year 2024, showing the share of revenue converted to profit. This is down 19.7 percentage points from the prior year.
Cb Financl Srvcs's ROE was 8.6% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 7.6 percentage points from the prior year.
Cb Financl Srvcs spent $965K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 14.5% from the prior year.
Cb Financl Srvcs invested $3.3M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 0.7% from the prior year.
CBFV Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $19.3M+3.1% | $18.8M+5.1% | $17.8M-8.2% | $19.4M+2.6% | $18.9M+5.3% | $18.0M+6.4% | $16.9M+6.5% | $15.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $6.2M+0.4% | $6.2M-4.8% | $6.5M-17.3% | $7.9M+5.8% | $7.5M+16.8% | $6.4M+10.8% | $5.8M+11.9% | $5.2M |
| Income Tax | -$1.3M-272.8% | $766K+79.4% | $427K-18.2% | $522K-6.8% | $560K-39.1% | $920K-82.8% | $5.3M+847.3% | $564K |
| Net Income | -$5.7M-244.2% | $3.9M+106.9% | $1.9M-24.5% | $2.5M-4.6% | $2.6M-36.8% | $4.2M-67.6% | $13.0M+385.2% | $2.7M |
| EPS (Diluted) | $-1.07-244.6% | $0.74+111.4% | $0.35-22.2% | $0.45-11.8% | $0.51-37.8% | $0.82-67.6% | $2.53+386.5% | $0.52 |
CBFV Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B+1.8% | $1.5B+2.3% | $1.5B+0.1% | $1.5B-5.0% | $1.6B+5.9% | $1.5B+1.2% | $1.5B+4.0% | $1.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $55.9M-13.4% | $64.5M+5.3% | $61.3M+23.6% | $49.6M-65.2% | $142.6M+93.5% | $73.7M+8.0% | $68.2M+29.7% | $52.6M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M |
| Total Liabilities | $1.4B+1.7% | $1.4B+2.6% | $1.3B+0.1% | $1.3B-5.9% | $1.4B+6.4% | $1.3B+1.2% | $1.3B+2.5% | $1.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $152.5M+2.8% | $148.4M0.0% | $148.3M+0.6% | $147.4M+3.1% | $142.9M+0.9% | $141.6M+1.3% | $139.8M+21.8% | $114.8M |
| Retained Earnings | $87.2M-7.4% | $94.2M+2.9% | $91.5M+0.7% | $90.9M+3.6% | $87.7M+1.6% | $86.3M+3.5% | $83.4M+16.3% | $71.7M |
CBFV Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.6M+11.8% | $4.1M+2.6% | $4.0M+153.4% | $1.6M+236.3% | -$1.2M-135.8% | $3.3M+195.0% | -$3.4M-137.6% | $9.1M |
| Capital Expenditures | $104K-59.5% | $257K+154.5% | $101K-62.6% | $270K-77.9% | $1.2M+25.7% | $970K-42.9% | $1.7M+582.3% | $249K |
| Free Cash Flow | $4.5M+16.6% | $3.9M-1.3% | $3.9M+197.6% | $1.3M+155.3% | -$2.4M-204.1% | $2.3M+144.6% | -$5.1M-157.8% | $8.9M |
| Investing Cash Flow | -$37.5M-55.6% | -$24.1M-282.9% | $13.2M+147.3% | -$27.9M-75.0% | -$15.9M-295.1% | $8.2M+178.9% | -$10.3M-63.7% | -$6.3M |
| Financing Cash Flow | $24.3M+4.6% | $23.2M+521.6% | -$5.5M+92.3% | -$71.5M-183.1% | $86.0M+1545.2% | -$6.0M-120.2% | $29.4M+203.9% | -$28.3M |
| Dividends Paid | $1.3M+3.3% | $1.3M-2.0% | $1.3M+0.1% | $1.3M-0.5% | $1.3M+0.5% | $1.3M+0.1% | $1.3M+0.1% | $1.3M |
| Share Buybacks | $7K-99.8% | $4.4M+86.8% | $2.4M+275.1% | $634K | $0-100.0% | $5K-99.0% | $516K | $0 |
CBFV Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -29.4%-50.5pp | 21.1%+10.3pp | 10.7%-2.3pp | 13.0%-1.0pp | 14.0%-9.3pp | 23.3%-53.4pp | 76.7%+59.9pp | 16.8% |
| Return on Equity | N/A | 2.7%+1.4pp | 1.3%-0.4pp | 1.7%-0.1pp | 1.8%-1.1pp | 3.0%-6.3pp | 9.3%+6.9pp | 2.3% |
| Return on Assets | -0.4%-0.6pp | 0.3%+0.1pp | 0.1%-0.0pp | 0.2%0.0pp | 0.2%-0.1pp | 0.3%-0.6pp | 0.9%+0.7pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 9.14-0.1 | 9.23+0.2 | 9.00-0.0 | 9.05-0.9 | 9.92+0.5 | 9.400.0 | 9.41-1.8 | 11.19 |
| FCF Margin | 23.4%+2.7pp | 20.7%-1.3pp | 22.0%+15.2pp | 6.8%+19.4pp | -12.6%-25.3pp | 12.7%+43.1pp | -30.3%-86.3pp | 56.0% |
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Frequently Asked Questions
What is Cb Financl Srvcs's annual revenue?
Cb Financl Srvcs (CBFV) reported $76.1M in total revenue for fiscal year 2024. This represents a 22.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Cb Financl Srvcs's revenue growing?
Cb Financl Srvcs (CBFV) revenue grew by 22.3% year-over-year, from $62.2M to $76.1M in fiscal year 2024.
Is Cb Financl Srvcs profitable?
Yes, Cb Financl Srvcs (CBFV) reported a net income of $12.6M in fiscal year 2024, with a net profit margin of 16.5%.
What is Cb Financl Srvcs's earnings per share (EPS)?
Cb Financl Srvcs (CBFV) reported diluted earnings per share of $2.38 for fiscal year 2024. This represents a -45.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Cb Financl Srvcs's net profit margin?
Cb Financl Srvcs (CBFV) had a net profit margin of 16.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Cb Financl Srvcs pay dividends?
Yes, Cb Financl Srvcs (CBFV) paid $1.00 per share in dividends during fiscal year 2024.
What is Cb Financl Srvcs's return on equity (ROE)?
Cb Financl Srvcs (CBFV) has a return on equity of 8.6% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Cb Financl Srvcs's free cash flow?
Cb Financl Srvcs (CBFV) generated $3.4M in free cash flow during fiscal year 2024. This represents a -68.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Cb Financl Srvcs's operating cash flow?
Cb Financl Srvcs (CBFV) generated $6.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Cb Financl Srvcs's total assets?
Cb Financl Srvcs (CBFV) had $1.5B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Cb Financl Srvcs's capital expenditures?
Cb Financl Srvcs (CBFV) invested $3.3M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Cb Financl Srvcs buy back shares?
Yes, Cb Financl Srvcs (CBFV) spent $965K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Cb Financl Srvcs have outstanding?
Cb Financl Srvcs (CBFV) had 5M shares outstanding as of fiscal year 2024.
What is Cb Financl Srvcs's debt-to-equity ratio?
Cb Financl Srvcs (CBFV) had a debt-to-equity ratio of 9.05 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Cb Financl Srvcs's return on assets (ROA)?
Cb Financl Srvcs (CBFV) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Cb Financl Srvcs's Piotroski F-Score?
Cb Financl Srvcs (CBFV) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Cb Financl Srvcs's earnings high quality?
Cb Financl Srvcs (CBFV) has an earnings quality ratio of 0.54x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Cb Financl Srvcs?
Cb Financl Srvcs (CBFV) scores 37 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.