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Cb Financl Srvcs Financials

CBFV
Trailing 12 months to June 30, 2026
Revenue $79.9M +5.4% YoY
Net Income $7.2M -37.9% YoY
EPS (Diluted) $1.35 -38.1% YoY
Free Cash Flow $19.5M +72.4% YoY
Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Currency USD FYE December

Cb Financl Srvcs (CBFV) reported $79.9M in revenue over the twelve months to Jun 30, 2026, up 5.4% 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).

Rhea AI CBFV FY2025

Balance-sheet expansion remains liability-funded, while earnings volatility and cash conversion diverge sharply from reported profit.

Revenue stayed near $76M across FY2024–FY2025, but net income fell 61.2%, signaling a major profitability shift without top-line contraction. Interest expense also fell to $25.2M from $30.1M, so the available figures do not attribute the earnings decline to higher interest cost.

Operating cash flow was $17.8M and free cash flow was $17.2M in FY2025. Both exceeded $4.9M of net income, indicating that accounting earnings and cash generation were shaped by different adjustments; the aggregates do not identify which.

Assets expanded 4.5% from FY2024 to FY2025 while liabilities expanded 4.2%, so the balance-sheet increase remained mostly obligation-funded. Still, debt-to-equity eased from 9.1x to 8.8x as equity grew faster than liabilities, a modest capitalization improvement rather than absolute deleveraging.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Earnings Growth Capital Efficiency CreditQuality Stability 21 / 100
Financial Health Score 21/100
Scored as: Banks peer group

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 Financl Srvcs'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.

Earnings
37
Growth
4
Capital
32
Efficiency
20
Credit Quality
0

Not available for Cb Financl Srvcs, and counted as zero in the overall score.

Stability
33
Piotroski F-Score Partial
4/6

Cb Financl Srvcs 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.

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.

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share
$1.02
YoY+2.0%
5Y CAGR+1.2%

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
5M
YoY-0.9%
5Y CAGR-1.4%
10Y CAGR+2.2%

Cb Financl Srvcs had 5M shares outstanding in fiscal year 2025. This represents a decrease of 0.9% from the prior year.

Margins & Returns

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

CBFV Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CBFV quarterly income statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Revenue$20.9M+6.4%$19.7M-1.7%$20.0M+3.4%$19.3M+3.1%$18.8M+5.1%$17.8M-8.2%$19.4M-1.7%$19.8M
SG&A Expenses$6.1M+2.1%$6.0M+2.7%$5.8M+11.3%$5.2M+3.1%$5.1M-15.7%$6.0M+14.8%$5.3M+15.3%$4.6M
Interest Expense$6.4M+10.3%$5.8M-6.3%$6.2M-1.2%$6.2M+0.4%$6.2M-4.8%$6.5M-17.3%$7.9M-4.8%$8.3M
Income Tax$798K+11.8%$714K+35.2%$528K+139.9%-$1.3M-272.8%$766K+79.4%$427K-18.2%$522K-30.1%$747K
Net Income$4.3M+11.2%$3.9M-18.4%$4.7M+183.2%-$5.7M-244.2%$3.9M+106.9%$1.9M-24.5%$2.5M-21.4%$3.2M
EPS (Diluted)$0.80+9.6%$0.73-18.0%$0.89+183.2%-$1.07-244.6%$0.74+111.4%$0.35-28.6%$0.49-18.3%$0.60

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

CBFV Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CBFV quarterly balance sheet
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Total Assets$1.7B+4.6%$1.6B+2.3%$1.5B+0.1%$1.5B+1.8%$1.5B+2.3%$1.5B+0.1%$1.5B-5.1%$1.6B
Cash & Equivalents$76.1M+37.0%$55.5M+75.3%$31.7M-43.3%$55.9M-13.4%$64.5M+5.3%$61.3M+23.6%$49.6M-66.4%$147.3M
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$1.5B+4.9%$1.4B+2.5%$1.4B-0.2%$1.4B+1.7%$1.4B+2.6%$1.3B+0.1%$1.3B-5.6%$1.4B
Total Equity$162.1M+2.1%$158.8M+0.8%$157.5M+3.3%$152.5M+2.8%$148.4M0.0%$148.3M+0.6%$147.4M-1.2%$149.1M
Retained Earnings$96.0M+3.1%$93.1M+2.7%$90.6M+3.9%$87.2M-7.4%$94.2M+2.9%$91.5M+0.7%$90.9M+1.4%$89.6M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.

CBFV quarterly cash flow statement
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Operating Cash Flow$7.4M+146.0%$3.0M-40.0%$5.0M+8.8%$4.6M+11.8%$4.1M+2.6%$4.0M+153.4%$1.6M-48.2%$3.1M
Capital Expenditures$66K-67.3%$202K+7.4%$188K+80.8%$104K-59.5%$257K+154.5%$101K-62.6%$270K-68.5%$856K
Free Cash Flow$7.4M+161.3%$2.8M-41.8%$4.8M+7.1%$4.5M+16.6%$3.9M-1.3%$3.9M+197.6%$1.3M-40.3%$2.2M
Investing Cash Flow-$55.3M-311.6%-$13.4M+60.7%-$34.2M+9.0%-$37.5M-55.6%-$24.1M-282.9%$13.2M+147.3%-$27.9M-3479.9%-$778K
Financing Cash Flow$68.4M+99.6%$34.3M+594.3%$4.9M-79.7%$24.3M+4.6%$23.2M+521.6%-$5.5M+92.3%-$71.5M-3034.7%$2.4M
Dividends Paid$1.4M+0.6%$1.4M+8.4%$1.3M+0.5%$1.3M+3.3%$1.3M-2.0%$1.3M+0.1%$1.3M-0.3%$1.3M
Share Buybacks$14K-95.2%$292K+1985.7%$14K+100.0%$7K-99.8%$4.4M+86.8%$2.4M+275.1%$634K+94.5%$326K

CBFV Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

CBFV quarterly financial ratios
MetricQ2'26Q1'26Q4'25Q3'25Q2'25Q1'25Q4'24Q3'24
Net Margin20.6%+0.9pp19.7%-4.0pp23.7%+53.2pp-29.4%-50.5pp21.1%+10.3pp10.7%-2.3pp13.0%-3.3pp16.3%
Return on Equity2.6%+0.2pp2.4%-0.6pp3.0%+6.8pp-3.7%-6.4pp2.7%+1.4pp1.3%-0.4pp1.7%-0.4pp2.2%
Return on Assets0.3%0.0pp0.2%-0.1pp0.3%+0.7pp-0.4%-0.6pp0.3%+0.1pp0.1%0.0pp0.2%0.0pp0.2%
Debt-to-Equity9.22+0.2x8.97+0.1x8.82-0.3x9.14-0.1x9.23+0.2x9.000.0x9.05-0.4x9.47
FCF Margin35.2%+20.9pp14.3%-9.9pp24.2%+0.9pp23.4%+2.7pp20.7%-1.3pp22.0%+15.2pp6.8%-4.4pp11.2%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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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%.

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

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

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.

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.

Cb Financl Srvcs (CBFV) generated $17.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Cb Financl Srvcs (CBFV) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

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

Yes, Cb Financl Srvcs (CBFV) spent $6.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Cb Financl Srvcs (CBFV) had 5M shares outstanding as of fiscal year 2025.

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.

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.

Cb Financl Srvcs (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.

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.

Cb Financl Srvcs (CBFV) scores 21 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.

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