CB Financial Services, Inc. (CBFV)

From the record

CB Financial Services, Inc.'s filings since 2017 show 5 warning events of 3 kinds: an auditor change (8-K item 4.01, the latest 2021-02-03); a material cybersecurity incident (8-K item 1.05, the latest 2026-05-11); a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2019-05-13) (its current reports).

From the record

CB Financial Services, Inc.'s 10 filed years say what it did: revenue went from $32 million in fiscal 2016 to $76 million in fiscal 2025, up 10.1% a year; it rose in 6 of 9 years; the deepest fall was 15% from fiscal 2019 to fiscal 2021; net income was positive in 9 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, CB Financial Services, Inc.'s diluted share count grew about 1.0% a year, and dividends and buybacks returned about 62% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 23 sales and 1 purchase of their own stock on the open market in the year to 2026-11-09, buying about $33 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, CB Financial Services, Inc. earned about 3 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.1% over the year (the filed statements).

From the record

CB Financial Services, Inc.'s standing among 155 graded names in its industry family: revenue of $76 million in fiscal 2025 ranks in the bottom 6% by size; a net margin of 6.5% ranks in the bottom 5%; revenue growth of 16.7% a year over the last 3 filed years ranks in the bottom 46% (its annual reports).

From the record

CB Financial Services, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Montgomery, John Haines (President and CEO, as filed), filing under that title since 2020-09-01, 6.2 years (bottom 38% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 8.5 years (top 34%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (bottom 11%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

CB Financial Services, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $32 million against no long-term debt tagged leaves 2% of its assets as net cash, bottom 37% of its family; cash from operations less capital spending is 22.6% of revenue (bottom 46%) (its annual report).

From the record

CB Financial Services, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.7% a year over the last three filed years against 10.1% over all 10, speeding up (top 25% of its family); the newest year grew -0.3% (bottom 21%); capital spending grew 8.5% a year (top 45%) (its annual reports). CB Financial Services, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

CB Financial Services, Inc.'s newest year against its own record: revenue of $76 million in fiscal 2025 came in 21% below the $96 million its prior three years' pace pointed to (bottom 23% of its family); net income of $5 million against a prior three-year average of $15 million (bottom 4%); a net margin of 6.5% against 25.5% before (bottom 5%) (its annual reports).