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CB Financial Services, Inc.

CBFV

$37.13 ▼ -0.21 (-0.56%) at close

15 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CB Financial Services, Inc. shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $187.0M

Dividend Yield 2.75%

Revenue Growth -15.5% ↗

Op. Margin 12.2% ↘

ROIC None

FCF / Share None

Trailing P/E 38.3x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Sep 23, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$43.55M

↓ -15.5% —

Net Income Profit after all expenses

$4.90M

↓ -61.1% —

Operating Margin Operating profit as % of sales

12.2%

↓ -59.1% 61th

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health

Dividend History

Dividend / share · sourced from SEC filings

$1.02 Latest / share

+2.0% YoY

+2.0% 10-yr CAGR

FY 2014

$0.85

FY 2015

FY 2016

$0.88

FY 2017

$0.89

FY 2018

$0.96

FY 2019

$0.96

FY 2020

$0.96

FY 2021

$0.96

FY 2022

$1.00

FY 2023

$1.00

FY 2024

$1.02

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	-15.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-359%)	-24.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-513%)	30.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+399%)	-6.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-209%)	9.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	-2.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-139%)	14.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+139%)	24.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+314%)	1.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-84%)	-0.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-113%)	62.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+935%)	20.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	-0.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	—	—
EPS Growth YoY (%)	-60.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-44.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	101.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	1.9% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	85.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	27.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-61.1% Weak ↓ Weak Declining Year-over-year change in net income	-44.2% Weak ↓ Weak Declining Year-over-year change in net income	100.5% Excellent Excellent Year-over-year change in net income	-2.8% Weak Weak Year-over-year change in net income	N/M	N/M	103.2% Excellent ↑ Excellent Improving Year-over-year change in net income	1.6% Caution ↓ Caution Declining Year-over-year change in net income	-8.4% Weak ↓ Weak Declining Year-over-year change in net income	-10.0% Weak ↓ Weak Declining Year-over-year change in net income	96.2% Excellent ↑ Excellent Improving Year-over-year change in net income	0.8% Caution Caution Year-over-year change in net income	0.9% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-6.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	7.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	17.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.6% Excellent Excellent Compound annual revenue growth over 3 years	24.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	-3.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-0.4% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	8.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	18.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	19.5% Excellent Excellent Compound annual revenue growth over 5 years	14.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-23.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.5% Caution → Caution Stable Compound annual EPS growth over 3 years	—	-6.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	—	12.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	-11.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.4% Caution Caution Compound annual EPS growth over 3 years	6.2% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	12.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	29.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	44.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	26.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	26.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-18.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-173%)	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	7.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	-13.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	11.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	24.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	32.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	21.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	-20.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-194%)	27.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	18.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	20.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	22.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.9% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	22.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	16.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	-7.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-166%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	5.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	7.4% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	9.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.5% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.07x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.31x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.42x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.30x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.37x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.57x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.34x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-72%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$8.65	$10.04	$13.41	$10.27	$10.48	$9.50	$9.68	$9.24	$9.02	$8.95	$9.04	$8.62	$7.66	$7.79	—
Basic EPS, GAAP (USD)	$0.97	$2.45	$4.41	$2.19	$2.15	$-1.97	$2.64	$1.42	$1.70	$1.86	$2.07	$1.63	$1.73	$1.73	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.02	$1.00	$1.00	$0.96	$0.96	$0.96	$0.96	$0.89	$0.88	—	$0.85	—	—	—	—
Book Value per Share (USD)	$31.28	$28.71	$27.31	$21.60	$25.31	$24.76	$27.65	$25.33	$22.77	$21.89	$21.29	$20.12	$18.24	$18.24	—
Tangible Book Value per Share (USD)	$29.35	$26.82	$25.41	$19.69	$23.46	$22.96	$22.45	$20.10	$21.56	$20.68	$20.08	$18.74	$17.36	$18.24	—
Basic Weighted Avg Shares (shares)	5.04M	5.13M	5.11M	5.14M	5.38M	5.41M	5.43M	4.98M	4.09M	4.08M	4.07M	2.63M	2.46M	2.44M	—
Dividend Payout Ratio (%)	—	—	—	—	44.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-48.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	51.8% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	41.1% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$157.54M	$147.38M	$139.83M	$110.16M	$133.12M	$134.53M	$151.10M	$137.62M	$93.26M	$89.47M	$86.90M	$81.91M	$45.01M	$44.47M	$42.09M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$43.55M	$51.56M	$68.56M	$52.76M	$56.43M	$51.38M	$52.61M	$46.02M	$36.86M	$36.51M	$36.80M	$22.70M	$18.87M	$18.99M	—
Depreciation Expense (USD)	$1.81M	$2.42M	$2.74M	$2.70M	$2.44M	$3.34M	$3.73M	$3.04M	$2.50M	$3.09M	$2.57M	$763.00K	$629.00K	$484.00K	—
Net Income, GAAP (USD)	$4.90M	$12.59M	$22.55M	$11.25M	$11.57M	$-10.64M	$14.33M	$7.05M	$6.94M	$7.58M	$8.42M	$4.29M	$4.26M	$4.22M	—
Operating Cash Flow (USD)	$17.81M	$6.75M	$14.24M	$14.15M	$13.05M	$14.08M	$17.87M	$13.66M	$11.60M	$10.57M	—	$-2.40M	$8.05M	$6.72M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	3.1%	3.1%	3.0%	2.8%	3.0%	3.3%	2.9%	3.1%	3.4%	3.5%	2.2%	2.9%	—	—
Efficiency Ratio (%) (%)	86.5%	69.1%	56.6%	66.1%	76.0%	110.5%	68.1%	75.8%	68.3%	65.1%	62.3%	74.0%	70.8%	70.0%	—

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Synced yesterday 15 years · 56 quarters

CB Financial Services, Inc.

Analytical Summary

15-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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