Cb Financl Srvcs Financials
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).
CB Financial’s balance-sheet-driven income model is producing much thinner returns on assets even while leverage still does most of the work.
Over the recent period, ROA compression from1.6% to0.3% says the company is earning far less from each asset dollar, so balance-sheet scale is no longer carrying profit the way it did. Operating cash flow reached$17.8M against net income of$4.9M , yet cash still fell because investment uses remained large enough to require outside financing.
The company still operates with a highly levered funding posture: liabilities of
Cash generation looked better than earnings in the latest year because free cash flow rebounded 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 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.
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.
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
Earnings & Revenue
Cb Financl Srvcs generated $75.9M in revenue in fiscal year 2025. This represents a decrease of 0.3% from the prior year.
Cb Financl Srvcs reported $4.9M in net income in fiscal year 2025. This represents a decrease of 61.1% from the prior year.
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
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.
Cb Financl Srvcs held $31.7M in cash against $0 in long-term debt as of fiscal year 2025.
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.
Cb Financl Srvcs had 5M shares outstanding in fiscal year 2025. This represents a decrease of 1.9% from the prior year.
Margins & Returns
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.
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
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.
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $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+4.4% | $18.9M |
| 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 | $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+3.1% | $4.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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+11.1% | $7.5M |
| Income Tax | $714K+35.2% | $528K+139.9% | -$1.3M-272.8% | $766K+79.4% | $427K-18.2% | $522K-30.1% | $747K+33.4% | $560K |
| Net Income | $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+21.5% | $2.6M |
| EPS (Diluted) | $0.73 | N/A | $-1.07-244.6% | $0.74+111.4% | $0.35 | N/A | $0.60+17.6% | $0.51 |
CBFV Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+0.1% | $1.6B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+3.3% | $142.6M |
| 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+2.5% | $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 |
| 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 | $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+4.4% | $142.9M |
| Retained Earnings | $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+2.2% | $87.7M |
CBFV Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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+363.0% | -$1.2M |
| Capital Expenditures | $202K+7.4% | $188K+80.8% | $104K-59.5% | $257K+154.5% | $101K-62.6% | $270K-68.5% | $856K-29.8% | $1.2M |
| Free Cash Flow | $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+192.7% | -$2.4M |
| Investing Cash Flow | -$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+95.1% | -$15.9M |
| Financing Cash Flow | $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-97.2% | $86.0M |
| Dividends Paid | $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-0.2% | $1.3M |
| Share Buybacks | $292K+1985.7% | $14K+100.0% | $7K-99.8% | $4.4M+86.8% | $2.4M+275.1% | $634K+94.5% | $326K | $0 |
CBFV Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 19.7%-4.0pp | 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% |
| Return on Equity | 2.4%-0.6pp | 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% |
| Return on Assets | 0.2%-0.1pp | 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% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.97+0.1 | 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 |
| FCF Margin | 14.3%-9.9pp | 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% |
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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.
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 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 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 19 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.