14 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has declined 7.6% per year over the past 5 years.
Free cash flow has grown 4.5% per year over the past 5 years.
Shareholder returns
Dividends have been paid for 14 consecutive years, consuming 104.7% of earnings and 29.9% of free cash flow.
The dividend has declined 0.2% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
—
$5M
—
—
3.1%
0.3%
$17M
—
$32M
2024
—
$13M
—
—
8.5%
0.9%
$3M
—
$50M
2023
—
$23M
—
—
16.1%
1.5%
$11M
—
$68M
2022
—
$11M
—
—
10.2%
0.8%
$14M
—
$104M
2021
$44M
$12M
0.0%
0.0%
8.7%
0.8%
$11M
—
$120M
2020
$47M
-$11M
0.0%
0.0%
-7.9%
-0.8%
$14M
—
$161M
2019
$51M
$14M
0.0%
0.0%
9.5%
1.1%
$18M
—
$80M
2018
—
$7M
—
—
5.1%
0.6%
$9M
—
$53M
2017
—
$7M
—
—
7.4%
0.7%
$8M
—
$21M
2016
—
$8M
—
—
8.5%
0.9%
$8M
—
$14M
2015
—
$8M
—
—
9.7%
1.0%
$51M
—
$11M
2014
—
$4M
—
—
5.2%
0.5%
-$9M
—
$12M
2013
—
$4M
—
—
9.5%
0.8%
$8M
—
$16M
2012
—
$4M
—
—
9.5%
—
$6M
—
$25M
Net income
Net income
Return on equity & assets (ROE / ROA)
ROEROA
Shareholders' equity (book value)
Equity
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
—
$4M
—
—
2.7%
0.3%
$7M
—
$76M
Mar '26
—
$4M
—
—
2.4%
0.2%
$3M
—
$56M
Dec '25
—
$5M
—
—
3.0%
0.3%
$5M
—
$32M
Sep '25
—
-$6M
—
—
-3.7%
-0.4%
$5M
—
$56M
Jun '25
—
$4M
—
—
2.7%
0.3%
$4M
—
$65M
Mar '25
—
$2M
—
—
1.3%
0.1%
$4M
—
$61M
Dec '24
—
$3M
—
—
1.7%
0.2%
$1M
—
$50M
Sep '24
—
$3M
—
—
2.2%
0.2%
$2M
—
$147M
Jun '24
—
$3M
—
—
1.9%
0.2%
-$2M
—
$143M
Mar '24
—
$4M
—
—
3.0%
0.3%
$2M
—
$74M
Dec '23
—
$13M
—
—
9.3%
0.9%
-$5M
—
$68M
Sep '23
—
$3M
—
—
2.3%
0.2%
$9M
—
$53M
Jun '23
—
$3M
—
—
2.4%
0.2%
$164000
—
$78M
Mar '23
—
$4M
—
—
3.5%
0.3%
$7M
—
$104M
Dec '22
—
$4M
—
—
3.8%
0.3%
$5M
—
$104M
Sep '22
—
$4M
—
—
3.7%
0.3%
$4M
—
$123M
Jun '22
—
$118000
—
—
0.1%
0.0%
$2M
—
$81M
Mar '22
—
$3M
—
—
2.5%
0.2%
$3M
—
$124M
Dec '21
—
$7M
—
—
5.2%
0.5%
$10M
—
$120M
Sep '21
—
$2M
—
—
1.5%
0.1%
$515000
—
$174M
Valuation over time
How the market has priced CBFV against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 9.8× (Mar '23) to 38.8× (Sep '26).
The dividend yield has fallen from 4.5% (Mar '23) to 2.7% (Sep '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is CBFV growing its revenue and profit?
Over the past 5 years, CB Financial Services, Inc.'s revenue has declined 7.6% per year. These are computed facts, not advice.
How much debt does CBFV have?
As of FY2025, CB Financial Services, Inc. reported — of total debt against $32M of cash.
What is CBFV's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin —.
What is CBFV's P/E ratio?
As of Sep '26, CB Financial Services, Inc. traded at a price-to-earnings ratio of about 38.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.