CB Financial Services, Inc.

CBFV

CB Financial Services, Inc.

CBFV

Insider Sentiment (TTM):

Last Purchase:2025-11-18Last Sale:2026-03-05Shares Purchased (TTM):1,000Shares Sold (TTM):9,574

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,726,654Shares Outstanding:5,053,586Institutional Ownership Pct.:34.17%

Earnings Market Reaction:

Filing Date:2026-05-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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CB Financial Services, Inc. (CBFV) — SEC Financial Statements & Analysis

CB Financial Services, Inc. (CBFV) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Cash And Due From Banks
Interest Bearing Deposits In Banks	43	18	43	50	52	39	139	134	67	62	46	60
Cash And Due From Banks	13	13	13	14	9	10	9	9	7	6	7	18
Cash And Cash Equivalents At Carrying Value	56	32	56	65	61	50	147	143	74	68	53	78
Investments
Debt Securities Available For Sale Excluding Accru…	295	279	272	266	258	260	268	266	230	205	171	179
Equity Securities Fv Ni	1	1	1	1	1	3	3	2	2	3	2	2
Loans Receivable Held For Sale Amount	-	0	0	1	0	1	0	1	0	0	-	-
Financing Receivable Excluding Accrued Interest Af…	1,148	1,152	1,133	1,101	1,079	1,083	1,056	1,069	1,087	1,101	1,092	1,090
Property Plant And Equipment Net	19	20	20	20	20	21	21	20	20	20	19	19
Bank Owned Life Insurance	25	25	25	25	24	24	24	24	24	25	25	25
Goodwill	10	10	10	10	10	10	10	10	10	10	10	10
Finite Lived Intangible Assets Net	-	0	-	-	-	0	0	0	1	1	2	3
Interest Receivable And Other Assets	31	30	29	30	30	31	32	25	27	24	27	27
Assets	1,583	1,548	1,546	1,518	1,483	1,482	1,562	1,560	1,473	1,456	1,399	1,433
Liabilities
Deposits
Demand Deposit Accounts	301	292	292	279	267	268	267	270	275	278	305	316
Deposits Negotiable Order Of Withdrawal N O W	385	357	366	353	341	317	327	325	323	363	357	375
Short Term Borrowings	-	-	-	-	-	-	-	-	-	0	0	0
Deposits Money Market Deposits	209	209	206	225	228	231	221	230	208	201	189	186
Deposits Savings Deposits	172	169	169	172	177	171	172	179	190	195	207	217
Time Deposits	308	312	301	280	268	297	367	346	266	231	177	169
Deposits	1,375	1,340	1,334	1,309	1,281	1,284	1,354	1,350	1,262	1,267	1,236	1,263
Other Borrowings	35	35	35	35	35	35	35	35	35	35	35	35
Accrued Liabilities And Other Liabilities	14	16	24	25	19	16	24	33	34	14	14	18
Liabilities	1,425	1,390	1,393	1,370	1,335	1,334	1,413	1,417	1,331	1,316	1,285	1,316
Stockholders Equity
Preferred Stock Value	-	-	-	-	-	-	0	0	0	0	0	0
Common Stock Value	2	2	2	2	2	2	2	2	2	2	2	2
Additional Paid In Capital	88	88	87	87	87	86	86	86	86	85	85	84
Retained Earnings Accumulated Deficit	93	91	87	94	91	91	90	88	86	83	72	70
Treasury Stock Common Value	-20	-20	-21	-21	-17	-15	-15	-15	-15	-15	-14	-14
Accumulated Other Comprehensive Income Loss Net Of…	-5	-3	-4	-14	-15	-17	-14	-18	-18	-17	-30	-26
Stockholders Equity	159	158	152	148	148	147	149	143	142	140	115	117
Liabilities And Stockholders Equity	1,583	1,548	1,546	1,518	1,483	1,482	1,562	1,560	1,473	1,456	1,399	1,433
Preferred Stock Shares Authorized	-	-	-	-	-	-	5	5	5	5	5	5
Financing Receivable Allowance For Credit Loss Exc…	10	10	10	10	10	10	9	10	10	10	11	11
Common Stock Par Or Stated Value Per Share	0.417	0.417	0.417	0.417	0.417	0.417	0.417	0.417	0.417	0.417	0.417	0.417
Common Stock Shares Authorized	35	35	35	35	35	35	35	35	35	35	35	35
Common Stock Shares Issued	6	6	6	6	6	6	6	6	6	6	6	6
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5
Treasury Stock Common Shares	1	1	1	1	1	1	1	1	1	1	1	1

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.81%	9.73%	-	-	-	-	-	-	-	-	-	-
2025	1.02%	-2.83%	12.36%	9.04%	11.24%	10.09%	7.53%	9.08%	8.08%	4.64%	7.25%	7.40%
2024	0.44%	1.70%	12.20%	14.23%	17.54%	17.96%	13.19%	1.44%	4.38%	-6.18%	1.61%	0.85%
2023	-	-	-	-3.47%	-4.68%	-5.08%	9.40%	13.58%	13.30%	-0.42%	3.34%	4.86%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.86	-0.90	-0.94	-0.70	-0.73	-0.31	0.56	1.24	2.41	2.71	2.24	2.89
Per Share Metrics
Diluted EPS TTM	1.29	0.92	0.51	2.18	1.88	2.38	4.31	4.36	4.39	4.40	2.68	2.93
Free Cash Flow Per Share TTM	3.18	3.41	2.74	2.26	0.99	0.67	-0.59	0.71	1.21	2.14	4.13	3.10
Dividend Per Share TTM	1.04	1.02	1.03	1.02	1.00	1.00	1.00	1.00	1.00	1.00	0.99	0.98
Margin Metrics
Gross Profit Margin TTM	-974.25%	-1,054.31%	-1,208.91%	-1,398.71%	-1,648.93%	-1,689.46%	-1,721.13%	-1,519.65%	-1,245.28%	-1,017.81%	-635.03%	-408.49%
Operating Profit Margin TTM	332.09%	243.12%	149.98%	728.16%	727.45%	913.27%	1,821.43%	1,762.24%	1,683.40%	1,664.93%	910.37%	960.21%
Net Profit Margin TTM	301.98%	224.91%	130.95%	600.72%	596.82%	749.64%	1,370.83%	1,326.43%	1,262.72%	1,239.69%	726.88%	761.94%
Growth Metrics
Net Revenue Growth (1Y)	31.56%	29.76%	22.32%	13.98%	-3.47%	-7.64%	-11.11%	-13.87%	-13.95%	-15.79%	-14.01%	-12.77%
Net Income Growth (1Y)	-33.43%	-61.07%	-88.32%	-48.38%	-54.37%	-44.15%	67.64%	49.94%	82.83%	100.50%	-2.28%	23.79%
EPS Growth (1Y)	-32.49%	-60.32%	-87.96%	-47.15%	-54.34%	-44.37%	66.90%	49.06%	82.10%	101.39%	-2.44%	24.66%
Valuation Metrics
P/E TTM	24.97	35.26	60.11	11.95	13.60	11.10	5.89	4.85	4.54	4.94	7.20	6.31
P/B	1.08	1.10	1.06	0.94	0.94	0.95	0.91	0.76	0.72	0.80	0.86	0.81
P/S TTM	75.42	79.29	78.71	71.80	81.14	83.25	80.78	64.29	57.34	61.21	52.34	48.06
Market Cap	171.35M	172.86M	161.76M	138.72M	140.12M	139.85M	135.72M	108.97M	102.58M	111.34M	98.92M	94.57M
Enterprise Value	115.80M	141.17M	105.87M	74.22M	78.85M	90.28M	-11.61M	-33.63M	28.88M	43.12M	46.32M	16.48M
Calculated Values
Free Cash Flow TTM	16.05M	17.16M	13.64M	11.33M	5.07M	3.44M	-3.01M	3.66M	6.21M	10.94M	21.13M	15.84M
Net Debt	-55.55M	-31.69M	-55.89M	-64.51M	-61.27M	-49.57M	-147.33M	-142.60M	-73.69M	-68.22M	-52.60M	-78.09M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-05Sale

Owner: Cobain, Stephen

Title: Chief Credit Officer

Shares: 1,792

Price/Share: $34.71

Value: $62,200.32

Shares Owned: 4,313

Relationship: Officer

Ownership: Direct

2026-02-23Sale

Owner: Cobain, Stephen

Title: Chief Credit Officer

Shares: 140

Price/Share: $33.83

Value: $4,736.20

Shares Owned: 4,313

Relationship: Officer

Ownership: Direct

2026-02-23Sale

Owner: Engles, Amanda L

Title: EVP and CFO

Shares: 54

Price/Share: $33.83

Value: $1,826.82

Shares Owned: 2,054

Relationship: Officer

Ownership: Direct

2026-02-06Sale

Owner: Guthrie, Charles R.

Title: -

Shares: 1,913

Price/Share: $37.35

Value: $71,450.55

Shares Owned: 16,796

Relationship: Director,Other

Ownership: Direct

2025-11-18Purchase

Owner: Sharp, Bruce A.

Title: SEVP & Chief Comm Loan Officer

Shares: 1,000

Price/Share: $32.80

Value: $32,800.00

Shares Owned: 1,000

Relationship: Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-05	Cobain, Stephen	Officer	Chief Credit Officer	Direct	Sale	1,792	34.71	$62,200.32	4,313	4
2026-02-23	Cobain, Stephen	Officer	Chief Credit Officer	Direct	Sale	140	33.83	$4,736.20	4,313	4
2026-02-23	Engles, Amanda L	Officer	EVP and CFO	Direct	Sale	54	33.83	$1,826.82	2,054	4
2026-02-06	Guthrie, Charles R.	Director,Other	-	Direct	Sale	1,913	37.35	$71,450.55	16,796	4
2025-11-18	Sharp, Bruce A.	Officer	SEVP & Chief Comm Loan Officer	Indirect	Purchase	1,000	32.80	$32,800.00	1,000	4
2025-09-17	George, Jennifer L	Officer	SEVP and COO	Direct	Sale	5,042	33.13	$167,041.46	12,285	4
2025-07-30	Lacarte, John J	Director	-	Direct	Sale	633	33.26	$21,053.58	46,170	4
2025-05-28	Swiatek, John	Director	-	Indirect	Purchase	1,200	28.80	$34,560.00	7,534	4
2025-05-13	Swiatek, John	Director	-	Direct	Sale	2,500	29.53	$73,825.00	11,494	4
2025-04-25	Swiatek, John	Director	-	Direct	Sale	2,500	29.22	$73,050.00	11,494	4
2024-12-16	Fox, Mark E.	Director,Other	-	Direct	Sale	3,538	31.50	$111,447.00	11,414	4
2024-12-09	Cobain, Stephen	Officer	Chief Credit Officer	Direct	Sale	38	33.29	$1,265.02	1,942	4
2024-12-09	Lacarte, John J	Director	-	Direct	Sale	712	33.50	$23,852.00	39,118	4/A
2024-12-09	Fox, Mark E.	Director,Other	-	Indirect	Purchase	267	33.35	$8,904.45	6,987	4
2024-12-06	Guthrie, Charles R.	Director,Other	-	Direct	Sale	3,415	32.63	$111,431.45	15,194	4
2023-12-15	Fox, Mark E.	Director,Other	-	Indirect	Purchase	443	23.79	$10,538.97	6,778	4
2023-06-05	Lacarte, John J	Director	-	Indirect	Purchase	7,700	18.80	$144,760.00	7,700	4
2023-05-16	Guthrie, Charles R.	Director,Other	-	Indirect	Purchase	200	19.00	$3,800.00	6,853	4
2023-05-11	Guthrie, Charles R.	Director,Other	-	Indirect	Purchase	203	19.00	$3,857.00	6,653	4
2023-05-08	Montgomery, John Haines	Director,Officer	President and CEO	Direct	Purchase	1,500	18.65	$27,975.00	21,550	4
2023-03-17	Baily, Karl G.	Director	-	Indirect	Purchase	1,800	22.75	$40,950.00	4,027	4
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Institutional Ownership

No data available for chart

2026-03-31

34.17%

Inst. Shares: 1,726,654

Shares Outstanding: 5,053,586

2025-12-31

34.59%

Inst. Shares: 1,742,184

Shares Outstanding: 5,036,706

2025-09-30

35.15%

Inst. Shares: 1,752,105

Shares Outstanding: 4,985,188

2025-06-30

32.88%

Inst. Shares: 1,651,389

Shares Outstanding: 5,022,813

2025-03-31

31.28%

Inst. Shares: 1,603,448

Shares Outstanding: 5,125,577

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,726,654	5,053,586	34.17%
2025-12-31	1,742,184	5,036,706	34.59%
2025-09-30	1,752,105	4,985,188	35.15%
2025-06-30	1,651,389	5,022,813	32.88%
2025-03-31	1,603,448	5,125,577	31.28%
2024-12-31	1,733,783	5,134,092	33.77%
2024-09-30	1,572,125	5,137,586	30.60%
2024-06-30	1,499,310	5,142,139	29.16%
2024-03-31	1,368,257	5,129,903	26.67%
2023-12-31	1,235,307	5,113,978	24.16%
2023-09-30	1,151,728	5,115,026	22.52%
2023-06-30	1,138,208	5,111,987	22.27%
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CB Financial Services, Inc. (CBFV) — SEC Financial Statements & Analysis

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