NASDAQ · Financial Statements

CB Financial Services, Inc. (CBFV) Financial Statements

$38.65 NASDAQ: CBFV Market Cap $196.40M

CB Financial Services, Inc. most recently reported annual revenue of $69.0M, net profit of $5.0M. Revenue grew at an average annual rate of 5.0% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

CB Financial Services, Inc.: Revenue rose from $38.0M in 2016 to $69.0M in 2025, a change of +81.6% over 9 years; net profit was positive in 9 of 10 reported years; operating margin moved from 27.8% to 7.7%, a shift of -20.1 percentage points; the most recent year shows net profit of $5.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$38.0M$39.0M$51.0M$58.0M$54.0M$50.0M$55.0M$60.0M$79.0M$69.0M
Operating Expenses$28.0M$29.0M$42.0M$42.0M$64.0M$35.0M$41.0M$30.0M$64.0M$63.0M
Operating Profit$11.0M$10.0M$9.0M$16.0M$-9.0M$15.0M$14.0M$30.0M$15.0M$5.0M
Operating Margin27.8%25.0%16.9%27.8%-17.2%29.4%25.7%50.5%19.4%7.7%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$3.0M$3.0M$6.0M$8.0M$6.0M$3.0M$5.0M$18.0M$30.0M$25.0M
Depreciation$3.0M$2.0M$3.0M$4.0M$3.0M$2.0M$3.0M$3.0M$2.0M$2.0M
Profit Before Tax$11.0M$10.0M$9.0M$16.0M$-9.0M$15.0M$14.0M$30.0M$15.0M$5.0M
Tax$29.1M$29.3M$17.9M$10.8M$-13.3M$21.3M$20.1M$25.5M$17.9M$7.5M
Net Profit$8.0M$7.0M$7.0M$14.0M$-11.0M$12.0M$11.0M$23.0M$13.0M$5.0M
EPS$1.86$1.69$1.40$2.63$-1.97$2.15$2.18$4.40$2.38$0.92
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$18.0M$8.0M$19.0M$19.0M$20.0M$20.0M$19.0M$20.0M$9.0M$22.0M$21.0M$22.0M
Operating Expenses$15.0M$-10.0M$14.0M$16.0M$16.0M$17.0M$16.0M$15.0M$16.0M$16.0M$16.0M$17.0M
Operating Profit$3.0M$18.0M$5.0M$3.0M$4.0M$3.0M$2.0M$5.0M$-7.0M$5.0M$5.0M$5.0M
Operating Margin18.0%216.8%26.4%16.7%19.4%15.1%12.5%23.9%-81.1%24.3%22.2%23.3%
Interest$5.0M$6.0M$6.0M$7.0M$8.0M$8.0M$7.0M$6.0M$6.0M$6.0M$6.0M$6.0M
Profit Before Tax$3.0M$18.0M$5.0M$3.0M$4.0M$3.0M$2.0M$5.0M$-7.0M$5.0M$5.0M$5.0M
Tax$17.4M$29.2M$18.0M$17.4M$18.8M$17.1M$18.3M$16.3M$18.9M$10.0M$15.6M$15.7M
Net Profit$3.0M$13.0M$4.0M$3.0M$3.0M$3.0M$2.0M$4.0M$-6.0M$5.0M$4.0M$4.0M
EPS$0.52$2.52$0.82$0.51$0.60$0.46$0.35$0.74$-1.14$0.89$0.73$0.80

Over the 10 years reported for CB Financial Services, Inc., borrowings decreased from $82.0M in 2016 to $35.0M in 2025, cash stood at $32.0M in the latest year, shareholders' equity was $2.0M, current assets covered current liabilities 0.02 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$846.0M$934.0M$1.3B$1.3B$1.4B$1.4B$1.4B$1.5B$1.5B$1.5B
Current Assets$130.0M$155.0M$293.0M$291.0M$319.0M$355.0M$312.0M$273.0M$309.0M$32.0M
Cash$14.0M$21.0M$53.0M$80.0M$161.0M$120.0M$104.0M$68.0M$50.0M$32.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$10.0M$11.0M$14.0M$16.0M$15.0M$13.0M$21.0M$0$0$0
Fixed Assets$14.0M$17.0M$23.0M$22.0M$20.0M$18.0M$18.0M$20.0M$21.0M$20.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$780.0M$859.0M$1.1B$1.1B$1.2B$1.2B$1.2B$1.3B$1.3B$1.4B
Other Assets$5.0M$5.0M$28.0M$28.0M$10.0M$10.0M$10.0M$10.0M$10.0M$10.0M
Total Liabilities$757.0M$841.0M$1.1B$1.2B$1.3B$1.3B$1.3B$1.3B$1.3B$1.4B
Current Liabilities$756.0M$817.0M$1.2B$1.2B$1.3B$1.3B$1.3B$1.3B$1.3B$1.4B
Borrowings$82.0M$64.0M$82.0M$45.0M$49.0M$57.0M$23.0M$35.0M$35.0M$35.0M
Other Liabilities$675.0M$777.0M$1.1B$1.1B$1.2B$1.2B$1.3B$1.3B$1.3B$1.4B
Equity$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M$2.0M
Reserves$89.0M$93.0M$138.0M$151.0M$135.0M$133.0M$110.0M$140.0M$147.0M$158.0M

For CB Financial Services, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $17.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$11.0M$12.0M$14.0M$18.0M$14.0M$13.0M$14.0M$14.0M$7.0M$18.0M
Investing Cash Flow$-20.0M$-90.0M$22.0M$-12.0M$-37.0M$-63.0M$-29.0M$-58.0M$-40.0M$-83.0M
Financing Cash Flow$19.0M$75.0M$32.0M$32.0M$104.0M$3.0M$37.0M$-2.0M$16.0M$49.0M
Net Cash Flow$3.0M$6.0M$33.0M$27.0M$81.0M$-41.0M$-16.0M$-35.0M$-19.0M$-18.0M
Free Cash Flow$8.0M$8.0M$8.0M$17.0M$14.0M$11.0M$14.0M$11.0M$3.0M$17.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.69
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y29.09%
Return 3Y90.97%
Return 5Y88.67%

CB Financial Services, Inc. (CBFV) financials — frequently asked questions

What is CB Financial Services, Inc.'s annual revenue?

CB Financial Services, Inc. (CBFV) reported annual revenue of $69.0M in its most recent fiscal year.

What is CB Financial Services, Inc.'s net profit?

CB Financial Services, Inc. (CBFV) reported net profit of $5.0M in its most recent fiscal year.

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