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Stocks · Financials · State Commercial Banks

CB Financial Services, Inc.

CBFV Clue Score52
United States Fiscal year ends December CIK 0001605301
$37.20 -0.96% Close, 9 Oct 2026
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Price $37.20 +58.91% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income7.6EPS, diluted1.86Fiscal year 2017Revenue32.4Net income6.9 −8.4%EPS, diluted1.69 −9.1%Fiscal year 2018Revenue43.6 +34.5%Net income7.1 +1.6%EPS, diluted1.40 −17.2%Fiscal year 2019Revenue51.0 +17.0%Net income14.3 +103.2%EPS, diluted2.63 +87.9%Fiscal year 2020Revenue47.5 −7.0%Net income−10.6 −174.3%EPS, diluted−1.97 −174.9%Fiscal year 2021Revenue43.6 −8.2%Net income11.6EPS, diluted2.15Fiscal year 2022Net income11.2 −2.8%EPS, diluted2.18 +1.4%Fiscal year 2023Net income22.6 +100.5%EPS, diluted4.40 +101.8%Fiscal year 2024Net income12.6 −44.2%EPS, diluted2.38 −45.9%Fiscal year 2025Net income4.9 −61.1%EPS, diluted0.92 −61.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a 32.4 43.6 51.0 47.5 43.6 n/a n/a n/a n/a
Growth +34.5% +17.0% −7.0% −8.2%
Net income 7.6 6.9 7.1 14.3 −10.6 11.6 11.2 22.6 12.6 4.9
Growth −8.4% +1.6% +103.2% −174.3% −2.8% +100.5% −44.2% −61.1%
EPS, diluted 1.86 1.69 1.40 2.63 −1.97 2.15 2.18 4.40 2.38 0.92
Growth −9.1% −17.2% +87.9% −174.9% +1.4% +101.8% −45.9% −61.3%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Net margin21.4%Free cash flow margin23.9%Fiscal year 2018Net margin16.2%Free cash flow margin21.2%Fiscal year 2019Net margin28.1%Free cash flow margin34.9%Fiscal year 2020Net margin−22.4%Free cash flow margin29.0%Fiscal year 2021Net margin26.6%Free cash flow margin24.5%Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a 21.4% 16.2% 28.1% −22.4% 26.6% n/a n/a n/a n/a
Free cash flow margin n/a 23.9% 21.2% 34.9% 29.0% 24.5% n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow10.6Capital expenditure−2.5Free cash flow8.0Buybacks−0.0Dividends paid−3.6Fiscal year 2017Operating cash flow11.6Capital expenditure−3.8Free cash flow7.8 −3.4%Dividends paid−3.6Fiscal year 2018Operating cash flow13.7Capital expenditure−4.4Free cash flow9.2 +19.0%Dividends paid−4.5Fiscal year 2019Operating cash flow17.9Capital expenditure−0.0Free cash flow17.8 +93.1%Dividends paid−5.2Fiscal year 2020Operating cash flow14.1Capital expenditure−0.3Free cash flow13.8 −22.8%Dividends paid−5.2Fiscal year 2021Operating cash flow13.1Capital expenditure−2.4Free cash flow10.7 −22.4%Buybacks−4.1Dividends paid−5.2Fiscal year 2022Operating cash flow14.2Capital expenditure−0.5Free cash flow13.6 +27.9%Buybacks−4.8Dividends paid−4.9Fiscal year 2023Operating cash flow14.2Capital expenditure−3.3Free cash flow10.9 −19.8%Buybacks−0.8Dividends paid−5.1Fiscal year 2024Operating cash flow6.8Capital expenditure−3.3Free cash flow3.4 −68.6%Buybacks−1.0Dividends paid−5.1Fiscal year 2025Operating cash flow17.8Capital expenditure−0.7Free cash flow17.2 +399.5%Buybacks−6.8Dividends paid−5.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 10.6 11.6 13.7 17.9 14.1 13.1 14.2 14.2 6.8 17.8
Capital expenditure −2.5 −3.8 −4.4 −0.0 −0.3 −2.4 −0.5 −3.3 −3.3 −0.7
Free cash flow 8.0 7.8 9.2 17.8 13.8 10.7 13.6 10.9 3.4 17.2
Growth −3.4% +19.0% +93.1% −22.8% −22.4% +27.9% −19.8% −68.6% +399.5%
Buybacks −0.0 n/a n/a n/a n/a −4.1 −4.8 −0.8 −1.0 −6.8
Dividends paid −3.6 −3.6 −4.5 −5.2 −5.2 −5.2 −4.9 −5.1 −5.1 −5.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash14.3Shareholders’ equity89.5Fiscal year 2017Cash20.6Shareholders’ equity93.3Fiscal year 2018Cash53.4Shareholders’ equity137.6Fiscal year 2019Cash80.2Shareholders’ equity151.1Fiscal year 2020Cash160.9Shareholders’ equity134.5Fiscal year 2021Cash119.7Shareholders’ equity133.1Fiscal year 2022Cash103.7Shareholders’ equity110.2Fiscal year 2023Cash68.2Shareholders’ equity139.8Fiscal year 2024Cash49.6Shareholders’ equity147.4Fiscal year 2025Cash31.7Shareholders’ equity157.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 14.3 20.6 53.4 80.2 160.9 119.7 103.7 68.2 49.6 31.7
Shareholders’ equity 89.5 93.3 137.6 151.1 134.5 133.1 110.2 139.8 147.4 157.5

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a 30.3% 19.7% 31.5% −19.8% 33.7% n/a n/a n/a n/a
n/a 21.4% 16.2% 28.1% −22.4% 26.6% n/a n/a n/a n/a
n/a 23.9% 21.2% 34.9% 29.0% 24.5% n/a n/a n/a n/a
Spending
n/a 11.9% 10.1% 0.1% 0.7% 5.5% n/a n/a n/a n/a
29.1% 29.3% 17.9% 10.8% n/a 21.3% 20.1% 25.5% 17.9% 7.5%
Returns
8.5% 7.4% 5.1% 9.5% −7.9% 8.7% 10.2% 16.1% 8.5% 3.1%
0.9% 0.7% 0.6% 1.1% −0.8% 0.8% 0.8% 1.5% 0.9% 0.3%
Balance and payout
89.4% 90.0% 89.3% 88.6% 90.5% 90.7% 92.2% 90.4% 90.1% 89.8%
47.4% 51.8% 64.2% 36.4% n/a 44.7% 43.7% 22.7% 40.7% 104.7%
44.9% 46.4% 49.1% 29.3% 37.7% 87.3% 71.3% 54.4% 177.4% 69.8%