CBFV on Nasdaq
CB Financial Services, Inc.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2021
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Deposit Account brought in 89% of the revenue CB Financial Services, Inc. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Deposit Account | $1.7M | $2.2M |
| Financial Service, Other | $251.0K | $252.0K |
| Insurance Commissions | $6.0K | $4.0K |
Where the money goes
Where each dollar of revenue went, fiscal 2021
- Other costs58¢$25.5M
- Interest8¢$3.4M
- Income tax7¢$3.1M
- Profit27¢$11.6M
Where each dollar of operating cash went, fiscal 2021
- Capital spending18¢$2.4M
- Dividends paid40¢$5.2M
- Share buybacks32¢$4.1M
- Kept or used elsewhere10¢$1.4M
Out of $13.1M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, Including Fees | $62.1M | $59.4M |
| Taxable | $11.5M | $11.5M |
| Tax-Exempt | $561.0K | $0 |
| Dividends | $51.0K | $110.0K |
| Other Interest and Dividend Income | $1.7M | $5.1M |
| TOTAL INTEREST AND DIVIDEND INCOME | $75.9M | $76.1M |
| Deposits | $23.4M | $28.4M |
| Short-Term Borrowings | $199.0K | $0 |
| Other Borrowings | $1.5M | $1.6M |
| TOTAL INTEREST EXPENSE | $25.2M | $30.1M |
| NET INTEREST AND DIVIDEND INCOME | $50.8M | $46.1M |
| NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION FOR CREDIT LOSSES | $50.2M | $45.5M |
| Net Gain on Sale of Loans | $105.0K | $52.0K |
| Net (Loss) Gain on Investment Securities | -$11.8M | $51.0K |
| Net Gain on Purchased Tax Credits | $14.0K | $49.0K |
| Gain on Sale of Subsidiary | $0 | $138.0K |
| Net Gain on Disposal of Premises and Equipment | $40.0K | $274.0K |
| Income from Bank-Owned Life Insurance | $603.0K | $594.0K |
| Net Gain on Bank-Owned Life Insurance Claims | $0 | $915.0K |
| Other Income | $1.4M | $1.5M |
| TOTAL NONINTEREST INCOME (LOSS) | -$7.2M | $5.5M |
| Salaries and Employee Benefits | $22.2M | $18.8M |
| Occupancy | $2.5M | $3.1M |
| Equipment | $1.5M | $1.2M |
| Data Processing | $3.1M | $3.3M |
| Federal Deposit Insurance Corporation Assessment | $724.0K | $639.0K |
| Pennsylvania Shares Tax | $948.0K | $1.2M |
| Contracted Services | $1.5M | $1.6M |
| Legal and Professional Fees | $1.0M | $985.0K |
| Advertising | $566.0K | $484.0K |
| Other Real Estate Owned | $65.0K | $50.0K |
| Amortization of Intangible Assets | $0 | $958.0K |
| Other Expense | $3.6M | $3.4M |
| TOTAL NONINTEREST EXPENSE | $37.7M | $35.6M |
| INCOME BEFORE INCOME TAX EXPENSE | $5.3M | $15.3M |
| Income Tax Expense | $397.0K | $2.7M |
| Net Income | $4.9M | $12.6M |
| Basic (in dollars per share) | $0.97 | $2.45 |
| Diluted (in dollars per share) | $0.92 | $2.38 |
| Basic (in shares) | 5.0M shares | 5.1M shares |
| Diluted (in shares) | 5.3M shares | 5.3M shares |
Every line of the balance sheet in the latest annual report, as filed.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest-Earning | $18.4M | $39.3M | |
| Noninterest-Earning | $13.3M | $10.2M | |
| Total Cash and Due From Banks | $31.7M | $49.6M | |
| Available-for-Sale Debt Securities, at Fair Value | $279.0M | $259.5M | |
| Equity Securities, at Fair Value | $909.0K | $2.6M | |
| Total Securities | $279.9M | $262.2M | |
| Loans Held for Sale | $0 | $900.0K | |
| Loans (Net of Allowance for Credit Losses of $10,116 and $9,805 at December 31, 2025 and 2024, Respectively) | $1.2B | $1.1B | |
| Premises and Equipment, Net | $19.6M | $20.7M | |
| Bank-Owned Life Insurance | $24.8M | $24.2M | |
| Goodwill | $9.7M | $9.7M | |
| Accrued Interest Receivable and Other Assets | $29.8M | $31.5M | |
| TOTAL ASSETS | $1.5B | $1.5B | |
| Noninterest-Bearing Demand Accounts | $291.7M | $267.9M | |
| Interest-Bearing Demand Accounts | $357.1M | $316.8M | |
| Money Market Accounts | $209.2M | $231.5M | |
| Savings Accounts | $169.3M | $170.5M | |
| Time Deposits | $312.5M | $296.9M | |
| Total Deposits | $1.3B | $1.3B | |
| Other Borrowed Funds | $34.8M | $34.7M | |
| Accrued Interest Payable and Other Liabilities | $15.6M | $16.0M | |
| TOTAL LIABILITIES | $1.4B | $1.3B | |
| Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,835,325 and 5,787,744 Shares Issued and 5,036,509 and 5,132,654 Shares Outstanding, Respectively | $2.4M | $2.4M | |
| Capital Surplus | $87.6M | $86.4M | |
| Retained Earnings | $90.6M | $90.9M | |
| Treasury Stock, at Cost (798,816 and 655,090 Shares, Respectively) | -$19.8M | -$15.0M | |
| Accumulated Other Comprehensive Loss | -$3.4M | -$17.2M | |
| TOTAL STOCKHOLDERS' EQUITY | $157.5M | $147.4M | $139.8M |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $1.5B | $1.5B | |
| Allowance for loan losses | $10.1M | $9.8M | $9.7M |
| Common stock, par value (in dollars per share) | $0.42 | $0.42 | |
| Common stock, shares authorized (in shares) | 35.0M shares | 35.0M shares | |
| Common stock, shares issued (in shares) | 5.8M shares | 5.8M shares | |
| Common stock, shares outstanding (in shares) | 5.0M shares | 5.1M shares | |
| Treasury stock, at cost (in shares) | 798.8K shares | 655.1K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.6
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net Income | $4.9M | $12.6M |
| Net Accretion on Securities | -$373.0K | -$694.0K |
| Depreciation and Amortization | $1.8M | $2.4M |
| Net Loss on Sale of Debt Securities | $11.8M | $0 |
| Net Loss on Equity Securities | $13.0K | $0 |
| Net Unrealized Loss (Gain) Recognized on Equity Securities | $37.0K | -$51.0K |
| Gain on Sale of Subsidiary | $0 | -$138.0K |
| Gain on Purchased Tax Credits | -$14.0K | -$49.0K |
| Income from Bank-Owned Life Insurance | -$603.0K | -$594.0K |
| Gain on BOLI Death Benefit Claims | $0 | -$915.0K |
| Proceeds From Mortgage Loans Sold | $5.5M | $5.0M |
| Originations of Mortgage Loans for Sale | -$4.9M | -$5.8M |
| Net Gain on Sale of Loans | -$105.0K | -$52.0K |
| Loss (Gain) on Sales of Other Real Estate Owned | $51.0K | $54.0K |
| Noncash Expense for Stock-Based Compensation | $796.0K | $812.0K |
| Increase in Accrued Interest Receivable | -$788.0K | -$500.0K |
| Net Gain on Disposal of Premises and Equipment | -$40.0K | -$274.0K |
| (Benefit) Provision in Deferred Income Tax | -$65.0K | $191.0K |
| Decrease in Taxes Payable | -$2.0M | -$3.9M |
| (Decrease) Increase in Accrued Interest Payable | -$475.0K | $682.0K |
| Other, Net | $1.7M | -$2.6M |
| Net Cash Provided by Operating Activities | $17.8M | $6.8M |
| Proceeds From Principal Repayments and Maturities | $38.0M | $15.4M |
| Purchases of Securities | -$169.1M | -$70.2M |
| Proceeds from Sales of Debt Securities | $117.8M | $0 |
| Proceeds from Sale of Equity Securities | $1.7M | $0 |
| Net (Increase) Decrease in Loans | -$69.6M | $17.6M |
| Purchase of Premises and Equipment | -$650.0K | -$3.3M |
| Proceeds from Disposal of Premises and Equipment | $41.0K | $988.0K |
| Proceeds From a Claim on Bank-Owned Life Insurance | $0 | $2.7M |
| Investment in Low Income Housing Tax Credit | -$957.0K | $0 |
| Proceeds From Sales of Other Real Estate Owned | $107.0K | $258.0K |
| Purchase of Restricted Equity Securities | -$8.1M | $0 |
| Redemption of Restricted Equity Securities | $8.2M | $291.0K |
| Net Cash Used in Investing Activities | -$82.6M | -$36.4M |
| Net Increase in Deposits | $56.3M | $16.4M |
| Principal Payments on Other Borrowed Funds | -$20.0M | $0 |
| Proceeds from Other Borrowed Funds | $20.0M | $0 |
| Cash Dividends Paid | -$5.1M | -$5.1M |
| Treasury Stock, Purchases at Cost | -$6.8M | -$965.0K |
| Exercise of Stock Options | $2.6M | $721.0K |
| Net Cash Provided by Financing Activities | $46.9M | $11.0M |
| Decrease in Cash and Due from Banks | -$17.9M | -$18.7M |
| Interest on Deposits and Borrowings (Including Interest Credited to Deposit Accounts of $23,914 and $27,759, Respectively) | $25.6M | $29.4M |
| Federal Income Taxes | $300.0K | $4.0M |
| State Income Taxes | $1.0K | $2.3M |
| Transfer of Loans from Loans Held for Sale to Portfolio | $404.0K | $0 |
| Other Real Estate Acquired in Settlement of Loans | $158.0K | $150.0K |
| "Right of Use (""ROU"") Asset Recognized" | $0 | $1.4M |
| Unfunded Commitment in Low Income Housing Tax Credit | $4.0M | $5.0M |
| Interest credit to deposit accounts | $23.9M | $27.8M |
Recent filings
- Sep 16, 20268-K
- Aug 25, 20268-K
- Aug 17, 20264
- Aug 17, 20264
- Aug 14, 2026144
- Aug 7, 202610-Q
- Jul 27, 20268-K
- Jul 27, 2026SCHEDULE 13G
- Jun 17, 20264
- May 20, 20268-K
- May 18, 2026SCHEDULE 13G
- May 12, 202610-Q
- May 11, 20268-K
- Apr 27, 2026SCHEDULE 13G/A
- Apr 22, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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