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 42.0× (Nov '26).
The dividend yield has fallen from 4.5% (Mar '23) to 2.5% (Nov '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?
CB Financial Services, Inc.'s P/E (TTM) is 28.58 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the CBFV stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 42.0× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.