CBFV
CB Financial Services Inc
NASDAQ: CBFV · FINANCIAL SERVICES · BANKS - REGIONAL
$35.18
-1.95% today
Updated 2026-04-30
Market cap
$178.54M
P/E ratio
27.08
P/S ratio
3.93x
EPS (TTM)
$1.30
Dividend yield
3.00%
52W range
$26 – $37
Volume
0.0M
CB Financial Services Inc (CBFV) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2002 | 2003 | 2004 | 2005 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $16.45M | $16.10M | $17.07M | $19.42M | $23.26M | $21.73M | $20.77M | $23.95M | $38.56M | $38.44M | $39.29M | $50.78M | $57.70M | $54.49M | $50.06M | $54.74M | $60.03M | $79.20M | $68.64M |
| Revenue growth (YoY) | — | -2.1% | +6.0% | +13.8% | +19.8% | -6.6% | -4.4% | +15.3% | +61.0% | -0.3% | +2.2% | +29.3% | +13.6% | -5.6% | -8.1% | +9.4% | +9.7% | +31.9% | -13.3% |
| Cost of revenue | $5.03M | $5.27M | $5.04M | $5.76M | $23.26M | $3.54M | $2.34M | $1.96M | $4.72M | $4.91M | $5.24M | $8.47M | $8.58M | $9.56M | $2.28M | $8.56M | $17.17M | $30.63M | $25.75M |
| Gross profit | $11.43M | $10.83M | $12.04M | $13.67M | — | $18.18M | $18.43M | $21.99M | $33.84M | $33.53M | $34.04M | $42.31M | $49.12M | $44.92M | $47.78M | $46.18M | $42.86M | $48.57M | $42.89M |
| Gross margin | 69.5% | 67.3% | 70.5% | 70.4% | 0.0% | 83.7% | 88.8% | 91.8% | 87.8% | 87.2% | 86.7% | 83.3% | 85.1% | 82.4% | 95.4% | 84.4% | 71.4% | 61.3% | 62.5% |
| R&D | — | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $4.03M | $4.40M | $4.99M | $5.04M | — | $7.67M | $7.72M | $8.79M | $12.96M | $13.51M | $14.31M | $18.64M | $21.53M | $22.72M | $21.18M | $19.38M | $22.98M | $19.79M | $1.02M |
| Operating income | $3.06M | $1.96M | $2.23M | $4.14M | $5.29M | $5.25M | $5.42M | $5.90M | $11.86M | $10.69M | $9.82M | $8.59M | $16.06M | $-9.39M | $14.70M | $14.08M | $30.29M | $15.34M | $5.30M |
| Operating margin | 18.6% | 12.2% | 13.1% | 21.3% | 22.7% | 24.2% | 26.1% | 24.6% | 30.8% | 27.8% | 25.0% | 16.9% | 27.8% | -17.2% | 29.4% | 25.7% | 50.4% | 19.4% | 7.7% |
| EBITDA | $4.24M | $3.95M | $2.92M | $5.36M | $5.81M | $5.74M | $6.04M | $6.66M | $14.44M | $13.78M | $12.32M | $11.63M | $19.78M | $-6.05M | $17.13M | $16.78M | $33.02M | $17.77M | $7.11M |
| EBITDA margin | 25.8% | 24.5% | 17.1% | 27.6% | 25.0% | 26.4% | 29.1% | 27.8% | 37.4% | 35.9% | 31.4% | 22.9% | 34.3% | -11.1% | 34.2% | 30.7% | 55.0% | 22.4% | 10.4% |
| EBIT | $3.06M | $1.96M | $2.23M | $4.14M | $5.29M | $5.25M | $5.42M | $5.90M | $11.86M | $10.69M | $9.82M | $8.59M | $16.06M | $-9.39M | $14.70M | $14.08M | $30.29M | $15.34M | $5.30M |
| Interest expense | $4.59M | $4.19M | $4.07M | $4.51M | $494000.00 | $3.09M | $2.24M | $1.96M | $2.71M | $2.87M | $3.37M | $5.95M | $7.86M | $5.56M | $3.40M | $4.78M | $17.67M | $30.06M | $25.16M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $2.22M | $1.48M | $1.64M | $2.93M | $4.40M | $4.22M | $4.26M | $4.29M | $8.42M | $7.58M | $6.94M | $7.05M | $14.33M | $-10.64M | $11.57M | $11.25M | $22.55M | $12.59M | $4.90M |
| Net income growth (YoY) | — | -33.4% | +11.4% | +78.2% | +50.1% | -4.1% | +0.9% | +0.8% | +96.2% | -10.0% | -8.4% | +1.6% | +103.2% | -174.3% | +208.7% | -2.8% | +100.5% | -44.2% | -61.1% |
| Profit margin | 13.5% | 9.2% | 9.6% | 15.1% | 18.9% | 19.4% | 20.5% | 17.9% | 21.8% | 19.7% | 17.7% | 13.9% | 24.8% | -19.5% | 23.1% | 20.5% | 37.6% | 15.9% | 7.1% |