CB Financial Services, Inc. (PA) (CBFV) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CBFV SEC filings page.
CB Financial Services, Inc. (PA) (CBFV) reported $48.3M in revenue over the twelve months to Jun 30, 2026, down 6.1% from the prior twelve months. This page shows its 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).
CB Financial Services operates with a heavily liability-funded balance sheet, while falling revenue and interest burden have sharply weakened 2025 earnings.
In FY2025, operating cash flow of$17.8M exceeded net income of$4.9M ; free cash flow nearly matched operating cash flow because reported capital spending was modest. That reverses FY2024, when operating cash flow of$6.8M trailed net income of$12.6M , showing that cash generation is being shaped by balance-sheet movements and investment timing rather than profit alone.
The balance sheet expanded from
Revenue fell from its FY2023 peak to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of CB Financial Services, Inc. (PA)'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
CB Financial Services, Inc. (PA) earned a return on assets of 0.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.9% the prior year. Earnings ranks banks on that return over three years, and CB Financial Services, Inc. (PA) scores 37/100 among other banks.
CB Financial Services, Inc. (PA) reported revenue of $43.5M in fiscal year 2025, against $51.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and CB Financial Services, Inc. (PA) scores 4/100 among other banks.
CB Financial Services, Inc. (PA) funded 10.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $157.5M of equity against $1.5B of assets. Capital ranks banks on that cushion, and CB Financial Services, Inc. (PA) scores 33/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. CB Financial Services, Inc. (PA) scores 22/100 on it among other banks.
Not available for CB Financial Services, Inc. (PA), and counted as zero in the overall score.
CB Financial Services, Inc. (PA) reported net income of $4.9M in fiscal year 2025, against $12.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and CB Financial Services, Inc. (PA) scores 34/100 among other banks.
CB Financial Services, Inc. (PA) passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, CB Financial Services, Inc. (PA) 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
Earnings & Revenue
CB Financial Services, Inc. (PA) generated $15.5M in revenue in Q2 2026. This represents an increase of 15.1% from the same quarter a year earlier. Against the prior quarter it is up 4.5%.
CB Financial Services, Inc. (PA) reported $4.3M in net income in Q2 2026. This represents an increase of 8.9% from the same quarter a year earlier. Against the prior quarter it is up 11.2%.
CB Financial Services, Inc. (PA) earned $0.80 per diluted share (EPS) in Q2 2026. This represents an increase of 8.1% from the same quarter a year earlier. Against the prior quarter it is up 9.6%.
Not reported for Q2 2026.
Cash & Balance Sheet
CB Financial Services, Inc. (PA) generated $7.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 89.9% from the same quarter a year earlier. Against the prior quarter it is up 161.3%.
CB Financial Services, Inc. (PA) held $76.1M in cash as of Q2 2026; long-term debt is not reported for that period.
CB Financial Services, Inc. (PA) paid $0.28 per share in dividends in Q2 2026. This represents an increase of 12.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
CB Financial Services, Inc. (PA)'s net profit margin was 27.7% in Q2 2026, showing the share of revenue converted to profit. This is down 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.7 percentage points.
CB Financial Services, Inc. (PA)'s ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
CB Financial Services, Inc. (PA) spent $14K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.7% from the same quarter a year earlier. Against the prior quarter it is down 95.2%.
CB Financial Services, Inc. (PA) invested $66K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 74.3% from the same quarter a year earlier. Against the prior quarter it is down 67.3%.
Not reported for Q2 2026.
CBFV Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.5M+15.1% | $14.8M+22.6% | $15.6M+17.9% | $2.4M-80.9% | $13.5M+10.8% | $12.1M-10.4% | $13.2M-52.3% | $12.7M-3.2% |
| SG&A Expenses | $6.1M+20.3% | $6.0M-0.6% | $5.8M+11.1% | $5.2M+15.0% | $5.1M+15.0% | $6.0M+31.9% | $5.3M-15.5% | $4.6M-15.0% |
| Interest Expense | $6.4M+2.4% | $5.8M-11.6% | $6.2M-21.9% | $6.2M-24.8% | $6.2M-16.7% | $6.5M+2.2% | $7.9M+36.9% | $8.3M+60.9% |
| Income Tax | $798K+4.2% | $714K+67.2% | $528K+1.1% | -$1.3M-277.2% | $766K+36.8% | $427K-53.6% | $522K-90.2% | $747K+32.4% |
| Net Income | $4.3M+8.9% | $3.9M+102.6% | $4.7M+87.5% | -$5.7M-276.9% | $3.9M+49.0% | $1.9M-54.5% | $2.5M-80.5% | $3.2M+20.5% |
| EPS (Basic) | $0.85+7.6% | $0.77+108.1% | $0.94+91.8% | -$1.14-281.0% | $0.79+51.9% | $0.37-54.9% | $0.49-80.6% | $0.63+21.2% |
| EPS (Diluted) | $0.80+8.1% | $0.73+108.6% | $0.89+81.6% | -$1.07-278.3% | $0.74+45.1% | $0.35-57.3% | $0.49-80.6% | $0.60+15.4% |
| Diluted Shares (Avg) | 5M+0.4% | 5M-2.8% | N/A | 5M-0.5% | 5M+3.5% | 5M+6.4% | N/A | 5M+4.3% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CBFV Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.7B+9.1% | $1.6B+6.7% | $1.5B+4.5% | $1.5B-1.0% | $1.5B-2.7% | $1.5B+0.7% | $1.5B+1.7% | $1.6B+11.6% |
| Cash & Equivalents | $76.1M+18.0% | $55.5M-9.3% | $31.7M-36.1% | $55.9M-62.1% | $64.5M-54.8% | $61.3M-16.9% | $49.6M-27.3% | $147.3M+180.1% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% | $9.7M0.0% |
| Total Liabilities | $1.5B+9.1% | $1.4B+6.7% | $1.4B+4.2% | $1.4B-1.4% | $1.4B-3.4% | $1.3B+0.3% | $1.3B+1.4% | $1.4B+10.0% |
| Total Equity | $162.1M+9.3% | $158.8M+7.1% | $157.5M+6.9% | $152.5M+2.2% | $148.4M+3.8% | $148.3M+4.7% | $147.4M+5.4% | $149.1M+29.9% |
| Retained Earnings | $96.0M+1.9% | $93.1M+1.7% | $90.6M-0.3% | $87.2M-2.7% | $94.2M+7.4% | $91.5M+6.0% | $90.9M+9.0% | $89.6M+25.0% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CBFV Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $7.4M+79.7% | $3.0M-25.1% | $5.0M+216.4% | $4.6M+50.7% | $4.1M+454.4% | $4.0M+23.5% | $1.6M+146.3% | $3.1M-66.4% |
| Depreciation & Amortization | $686K+51.8% | $445K+0.7% | $461K+2.0% | $455K-20.6% | $452K-33.7% | $442K-38.4% | $452K-25.2% | $573K-19.6% |
| Stock-Based Compensation | N/A | $212K-4.9% | N/A | N/A | N/A | $223K+25.3% | N/A | N/A |
| Capital Expenditures | $66K-74.3% | $202K+100.0% | $188K-30.4% | $104K-87.9% | $257K-78.9% | $101K-89.6% | $270K-84.1% | $856K+243.8% |
| Free Cash Flow | $7.4M+89.9% | $2.8M-28.3% | $4.8M+266.9% | $4.5M+104.3% | $3.9M+262.5% | $3.9M+71.4% | $1.3M+125.7% | $2.2M-75.1% |
| Investing Cash Flow | -$55.3M-129.3% | -$13.4M-201.9% | -$34.2M-22.6% | -$37.5M-4722.6% | -$24.1M-51.5% | $13.2M+61.6% | -$27.9M-169.2% | -$778K+87.7% |
| Financing Cash Flow | $68.4M+194.7% | $34.3M+722.4% | $4.9M+106.9% | $24.3M+896.8% | $23.2M-73.0% | -$5.5M+7.5% | -$71.5M-343.1% | $2.4M+108.6% |
| Dividends Paid | $1.4M+13.1% | $1.4M+10.1% | $1.3M+1.7% | $1.3M+0.9% | $1.3M-2.4% | $1.3M+0.1% | $1.3M+0.1% | $1.3M+0.5% |
| Share Buybacks | $14K-99.7% | $292K-87.7% | $14K-97.8% | $7K-97.9% | $4.4M | $2.4M+47460.0% | $634K+22.9% | $326K |
CBFV Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.7%-1.6pp | 26.1%+10.3pp | 30.5%+11.3pp | -235.2% | 29.3%+7.5pp | 15.8%-15.3pp | 19.2%-27.7pp | 25.3%+5.0pp |
| Return on Equity | 2.6%0.0pp | 2.4%+1.2pp | 3.0%+1.3pp | -3.7%-5.9pp | 2.7%+0.8pp | 1.3%-1.7pp | 1.7%-7.6pp | 2.2%-0.2pp |
| Return on Assets | 0.3%0.0pp | 0.2%+0.1pp | 0.3%+0.1pp | -0.4%-0.6pp | 0.3%+0.1pp | 0.1%-0.1pp | 0.2%-0.7pp | 0.2%0.0pp |
| Debt-to-Equity | 9.220.0x | 8.970.0x | 8.82-0.2x | 9.14-0.3x | 9.23-0.7x | 9.00-0.4x | 9.05-0.4x | 9.47-1.7x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 47.5%+18.7pp | 19.0%-13.5pp | 31.1%+21.1pp | 186.5% | 28.8%+48.4pp | 32.5%+15.5pp | 10.0%+28.5pp | 17.4%-50.2pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| CB Financial Services, Inc. (PA) CBFV | FY2025 | $43.5M | $4.9M | 11.3% | $194.0M | 22/100 |
| Meridian Corporation MRBK | FY2025 | $126.9M | $21.8M | 17.2% | $220.0M | 33/100 |
| Ohio Valley Banc Corp OVBC | FY2025 | $66.7M | $15.6M | 23.4% | $216.7M | 41/100 |
| BV Financial, Inc. BVFL | FY2025 | $39.6M | $13.5M | 34.1% | $183.5M | 66/100 |
| Hanover Bancorp, Inc. HNVR | FY2025 | $73.3M | $7.5M | 10.2% | $172.5M | 29/100 |
| CF Bankshares Inc. CFBK | FY2025 | $61.0M | $17.5M | 28.7% | $219.2M | 50/100 |
Where CB Financial Services, Inc. (PA) Ranks
Frequently Asked Questions
What is CB Financial Services, Inc. (PA)'s annual revenue?
CB Financial Services, Inc. (PA) (CBFV) reported $43.5M in total revenue for fiscal year 2025. This represents a -15.5% 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 Financial Services, Inc. (PA)'s revenue growing?
CB Financial Services, Inc. (PA) (CBFV) revenue declined by 15.5% year-over-year, from $51.6M to $43.5M in fiscal year 2025.
Is CB Financial Services, Inc. (PA) profitable?
Yes, CB Financial Services, Inc. (PA) (CBFV) reported a net income of $4.9M in fiscal year 2025, with a net profit margin of 11.3%.
What is CB Financial Services, Inc. (PA)'s net profit margin?
CB Financial Services, Inc. (PA) (CBFV) had a net profit margin of 11.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does CB Financial Services, Inc. (PA) pay dividends?
Yes, CB Financial Services, Inc. (PA) (CBFV) paid $1.02 per share in dividends during fiscal year 2025.
What is CB Financial Services, Inc. (PA)'s return on equity (ROE)?
CB Financial Services, Inc. (PA) (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 Financial Services, Inc. (PA)'s free cash flow?
CB Financial Services, Inc. (PA) (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 Financial Services, Inc. (PA)'s operating cash flow?
CB Financial Services, Inc. (PA) (CBFV) generated $17.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are CB Financial Services, Inc. (PA)'s total assets?
CB Financial Services, Inc. (PA) (CBFV) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are CB Financial Services, Inc. (PA)'s capital expenditures?
CB Financial Services, Inc. (PA) (CBFV) invested $650K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is CB Financial Services, Inc. (PA)'s debt-to-equity ratio?
CB Financial Services, Inc. (PA) (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 Financial Services, Inc. (PA)'s return on assets (ROA)?
CB Financial Services, Inc. (PA) (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 Financial Services, Inc. (PA)'s P/E ratio?
CB Financial Services, Inc. (PA) (CBFV) trades at 26.9x earnings, its market capitalization divided by net income of $7.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $194.0M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CB Financial Services, Inc. (PA)'s price-to-sales ratio?
CB Financial Services, Inc. (PA) (CBFV) trades at 4.0x sales, its market capitalization divided by revenue of $48.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $194.0M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CB Financial Services, Inc. (PA)'s Piotroski F-Score?
CB Financial Services, Inc. (PA) (CBFV) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CB Financial Services, Inc. (PA)'s earnings high quality?
CB Financial Services, Inc. (PA) (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 Financial Services, Inc. (PA)?
CB Financial Services, Inc. (PA) (CBFV) scores 22 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.