What is Cb Financl Srvcs's earnings per share (EPS)?

Cb Financl Srvcs (CBFV) reported diluted earnings per share of $0.92 for fiscal year 2025. This represents a -61.3% 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.

Cb Financl Srvcs Financials

CBFV

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Cb Financl Srvcs (CBFV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 14 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).

Financial Health Signals

Financial Profile 33/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Cb Financl Srvcs's revenue declined 0.3% year-over-year, from $76.1M to $75.9M. This contraction results in a growth score of 33/100.

Leverage

Cb Financl Srvcs has elevated debt relative to equity (D/E of 8.82), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Cb Financl Srvcs converts 22.6% of revenue into free cash flow ($17.2M). This strong cash generation earns a score of 81/100.

Returns

Cb Financl Srvcs generates a 3.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 18/100. This is down from 8.6% the prior year.

Piotroski F-Score Neutral

4/9

Cb Financl Srvcs passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

3.63x

For every $1 of reported earnings, Cb Financl Srvcs generates $3.63 in operating cash flow ($17.8M OCF vs $4.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$75.9M

YoY-0.3%

5Y CAGR+9.9%

10Y CAGR+9.1%

Cb Financl Srvcs generated $75.9M in revenue in fiscal year 2025. This represents a decrease of 0.3% from the prior year.

EBITDA

N/A

Net Income

$4.9M

YoY-61.1%

10Y CAGR-5.3%

Cb Financl Srvcs reported $4.9M in net income in fiscal year 2025. This represents a decrease of 61.1% from the prior year.

EPS (Diluted)

$0.92

YoY-61.3%

10Y CAGR-7.8%

Cb Financl Srvcs earned $0.92 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 61.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$17.2M

YoY+399.5%

5Y CAGR+4.5%

10Y CAGR-10.3%

Cb Financl Srvcs generated $17.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 399.5% from the prior year.

Cash & Debt

$31.7M

YoY-36.1%

5Y CAGR-27.7%

10Y CAGR+10.8%

Cb Financl Srvcs held $31.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.02

YoY+2.0%

5Y CAGR+1.2%

10Y CAGR+1.8%

Cb Financl Srvcs paid $1.02 per share in dividends in fiscal year 2025. This represents an increase of 2.0% from the prior year.

Shares Outstanding

YoY-1.9%

5Y CAGR-1.5%

10Y CAGR+2.1%

Cb Financl Srvcs had 5M shares outstanding in fiscal year 2025. This represents a decrease of 1.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

6.5%

YoY-10.1pp

5Y CAGR+28.9pp

10Y CAGR-19.9pp

Cb Financl Srvcs's net profit margin was 6.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 10.1 percentage points from the prior year.

Return on Equity

3.1%

YoY-5.4pp

5Y CAGR+11.0pp

10Y CAGR-6.6pp

Cb Financl Srvcs's ROE was 3.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 5.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$6.8M

YoY+608.8%

Cb Financl Srvcs spent $6.8M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 608.8% from the prior year.

Capital Expenditures

$650K

YoY-80.4%

5Y CAGR+15.1%

10Y CAGR+0.7%

Cb Financl Srvcs invested $650K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 80.4% from the prior year.

CBFV Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$75.9M-0.3%	$76.1M+22.3%	$62.2M+30.4%	$47.7M+9.5%	$43.6M-8.2%	$47.5M
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.2M-16.3%	$30.1M+70.1%	$17.7M+269.6%	$4.8M+40.4%	$3.4M-38.8%	$5.6M
Income Tax	$397K-85.6%	$2.7M-64.5%	$7.7M+173.0%	$2.8M-9.3%	$3.1M+150.4%	$1.2M
Net Income	$4.9M-61.1%	$12.6M-44.2%	$22.6M+100.5%	$11.2M-2.8%	$11.6M+208.7%	-$10.6M
EPS (Diluted)	$0.92-61.3%	$2.38-45.9%	$4.40+101.8%	$2.18+1.4%	$2.15+209.1%	$-1.97

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$20.0M+3.4%	$19.3M+3.1%	$18.8M+5.1%	$17.8M-8.2%	$19.4M-1.7%	$19.8M+4.4%	$18.9M+5.3%	$18.0M
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-1.2%	$6.2M+0.4%	$6.2M-4.8%	$6.5M-17.3%	$7.9M-4.8%	$8.3M+11.1%	$7.5M+16.8%	$6.4M
Income Tax	$528K+139.9%	-$1.3M-272.8%	$766K+79.4%	$427K-18.2%	$522K-30.1%	$747K+33.4%	$560K-39.1%	$920K
Net Income	$4.7M+183.2%	-$5.7M-244.2%	$3.9M+106.9%	$1.9M-24.5%	$2.5M-21.4%	$3.2M+21.5%	$2.6M-36.8%	$4.2M
EPS (Diluted)	N/A	$-1.07-244.6%	$0.74+111.4%	$0.35	N/A	$0.60+17.6%	$0.51-37.8%	$0.82

CBFV Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.5B+4.5%	$1.5B+1.7%	$1.5B+3.3%	$1.4B-1.2%	$1.4B+0.6%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$31.7M-36.1%	$49.6M-27.3%	$68.2M-34.2%	$103.7M-13.3%	$119.7M-25.6%	$160.9M
Inventory	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
Goodwill	$9.7M0.0%	$9.7M0.0%	$9.7M0.0%	$9.7M+0.3%	$9.7M-0.3%	$9.7M
Total Liabilities	$1.4B+4.2%	$1.3B+1.4%	$1.3B+1.3%	$1.3B+0.5%	$1.3B+0.8%	$1.3B
Current Liabilities	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
Total Equity	$157.5M+6.9%	$147.4M+5.4%	$139.8M+26.9%	$110.2M-17.3%	$133.1M-1.0%	$134.5M
Retained Earnings	$90.6M-0.3%	$90.9M+9.0%	$83.4M+30.6%	$63.9M+11.0%	$57.5M+12.5%	$51.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.5B+0.1%	$1.5B+1.8%	$1.5B+2.3%	$1.5B+0.1%	$1.5B-5.1%	$1.6B+0.1%	$1.6B+5.9%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$31.7M-43.3%	$55.9M-13.4%	$64.5M+5.3%	$61.3M+23.6%	$49.6M-66.4%	$147.3M+3.3%	$142.6M+93.5%	$73.7M
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-0.2%	$1.4B+1.7%	$1.4B+2.6%	$1.3B+0.1%	$1.3B-5.6%	$1.4B-0.3%	$1.4B+6.4%	$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	$157.5M+3.3%	$152.5M+2.8%	$148.4M0.0%	$148.3M+0.6%	$147.4M-1.2%	$149.1M+4.4%	$142.9M+0.9%	$141.6M
Retained Earnings	$90.6M+3.9%	$87.2M-7.4%	$94.2M+2.9%	$91.5M+0.7%	$90.9M+1.4%	$89.6M+2.2%	$87.7M+1.6%	$86.3M

CBFV Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$17.8M+163.8%	$6.8M-52.6%	$14.2M+0.6%	$14.2M+8.4%	$13.1M-7.3%	$14.1M
Capital Expenditures	$650K-80.4%	$3.3M+0.7%	$3.3M+547.0%	$509K-78.7%	$2.4M+640.7%	$322K
Free Cash Flow	$17.2M+399.5%	$3.4M-68.6%	$10.9M-19.8%	$13.6M+27.9%	$10.7M-22.4%	$13.8M
Investing Cash Flow	-$82.6M-127.0%	-$36.4M+33.5%	-$54.7M-93.3%	-$28.3M+52.9%	-$60.1M-63.0%	-$36.9M
Financing Cash Flow	$46.9M+327.2%	$11.0M+119.1%	$5.0M+375.8%	-$1.8M-131.1%	$5.8M-94.4%	$103.5M
Dividends Paid	$5.1M+0.1%	$5.1M+0.4%	$5.1M+3.9%	$4.9M-4.8%	$5.2M-0.3%	$5.2M
Share Buybacks	$6.8M+608.8%	$965K+14.5%	$843K-82.4%	$4.8M+15.9%	$4.1M	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$5.0M+8.8%	$4.6M+11.8%	$4.1M+2.6%	$4.0M+153.4%	$1.6M-48.2%	$3.1M+363.0%	-$1.2M-135.8%	$3.3M
Capital Expenditures	$188K+80.8%	$104K-59.5%	$257K+154.5%	$101K-62.6%	$270K-68.5%	$856K-29.8%	$1.2M+25.7%	$970K
Free Cash Flow	$4.8M+7.1%	$4.5M+16.6%	$3.9M-1.3%	$3.9M+197.6%	$1.3M-40.3%	$2.2M+192.7%	-$2.4M-204.1%	$2.3M
Investing Cash Flow	-$34.2M+9.0%	-$37.5M-55.6%	-$24.1M-282.9%	$13.2M+147.3%	-$27.9M-3479.9%	-$778K+95.1%	-$15.9M-295.1%	$8.2M
Financing Cash Flow	$4.9M-79.7%	$24.3M+4.6%	$23.2M+521.6%	-$5.5M+92.3%	-$71.5M-3034.7%	$2.4M-97.2%	$86.0M+1545.2%	-$6.0M
Dividends Paid	$1.3M+0.5%	$1.3M+3.3%	$1.3M-2.0%	$1.3M+0.1%	$1.3M-0.3%	$1.3M-0.2%	$1.3M+0.5%	$1.3M
Share Buybacks	$14K+100.0%	$7K-99.8%	$4.4M+86.8%	$2.4M+275.1%	$634K+94.5%	$326K	$0-100.0%	$5K

CBFV Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	6.5%-10.1pp	16.5%-19.7pp	36.2%+12.7pp	23.6%-3.0pp	26.6%+49.0pp	-22.4%
Return on Equity	3.1%-5.4pp	8.6%-7.6pp	16.1%+5.9pp	10.2%+1.5pp	8.7%+16.6pp	-7.9%
Return on Assets	0.3%-0.5pp	0.9%-0.7pp	1.6%+0.8pp	0.8%0.0pp	0.8%+1.6pp	-0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.82-0.2	9.05-0.4	9.41-2.4	11.79+2.1	9.71+0.2	9.53
FCF Margin	22.6%+18.1pp	4.5%-13.1pp	17.6%-11.0pp	28.6%+4.1pp	24.5%-4.5pp	29.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	23.7%+53.2pp	-29.4%-50.5pp	21.1%+10.3pp	10.7%-2.3pp	13.0%-3.3pp	16.3%+2.3pp	14.0%-9.3pp	23.3%
Return on Equity	3.0%+6.8pp	-3.7%-6.4pp	2.7%+1.4pp	1.3%-0.4pp	1.7%-0.4pp	2.2%+0.3pp	1.8%-1.1pp	3.0%
Return on Assets	0.3%+0.7pp	-0.4%-0.6pp	0.3%+0.1pp	0.1%-0.0pp	0.2%-0.0pp	0.2%+0.0pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.82-0.3	9.14-0.1	9.23+0.2	9.00-0.0	9.05-0.4	9.47-0.4	9.92+0.5	9.40
FCF Margin	24.2%+0.9pp	23.4%+2.7pp	20.7%-1.3pp	22.0%+15.2pp	6.8%-4.4pp	11.2%+23.8pp	-12.6%-25.3pp	12.7%

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Frequently Asked Questions

What is Cb Financl Srvcs's annual revenue?

Cb Financl Srvcs (CBFV) reported $75.9M in total revenue for fiscal year 2025. This represents a -0.3% 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 declined by 0.3% year-over-year, from $76.1M to $75.9M in fiscal year 2025.

Is Cb Financl Srvcs profitable?

Yes, Cb Financl Srvcs (CBFV) reported a net income of $4.9M in fiscal year 2025, with a net profit margin of 6.5%.

What is Cb Financl Srvcs's net profit margin?

Cb Financl Srvcs (CBFV) had a net profit margin of 6.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Cb Financl Srvcs pay dividends?

Yes, Cb Financl Srvcs (CBFV) paid $1.02 per share in dividends during fiscal year 2025.

What is Cb Financl Srvcs's return on equity (ROE)?

Cb Financl Srvcs (CBFV) has a return on equity of 3.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Cb Financl Srvcs's free cash flow?

Cb Financl Srvcs (CBFV) generated $17.2M in free cash flow during fiscal year 2025. This represents a 399.5% 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 $17.8M in operating cash flow during fiscal year 2025, 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 2025, including both current and long-term assets.

What are Cb Financl Srvcs's capital expenditures?

Cb Financl Srvcs (CBFV) invested $650K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Cb Financl Srvcs buy back shares?

Yes, Cb Financl Srvcs (CBFV) spent $6.8M on share buybacks during fiscal year 2025, 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 2025.

What is Cb Financl Srvcs's debt-to-equity ratio?

Cb Financl Srvcs (CBFV) had a debt-to-equity ratio of 8.82 as of fiscal year 2025, 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 0.3% for fiscal year 2025, 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 4 out of 9, indicating neutral 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 3.63x, considered cash-backed (high 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 33 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.