CB Financial Services (CBFV) Financial Statements & Analysis

CB Financial Services (CBFV) Income Statement

CB Financial Services reported revenue of $42.94M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 45.8% from $79.20M a year earlier. Net income was $4.90M, down 61.1% year over year, a net margin of 11.4%. Gross margin was 99.9% and operating margin 12.3%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $15.48M, up 15.0% from the same quarter a year earlier.

CB Financial Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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CB Financial Services, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	42.94	79.20	68.74	48.91	46.65	54.49	57.71	50.78	39.29
Cost of Revenue	25.75	30.63	17.17	8.57	2.28	9.56	8.58	8.47	5.24
Gross Profit	42.89	48.57	42.86	46.18	47.78	44.93	49.12	42.31	34.04
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	10.15	20.28	9.85	9.33	21.93	23.39	22.26	19.43	15.00
Operating Expenses	37.59	33.23	12.58	32.10	33.08	54.32	33.07	33.72	24.23
Operating Income	5.30	15.34	30.29	14.08	14.70	-9.39	16.06	8.59	9.82
Other Income/Expense
Interest Income	75.89	76.02	62.12	47.63	43.47	47.47	51.03	43.63	32.43
Interest Expense	25.16	30.06	17.67	4.78	3.41	5.56	7.86	5.95	3.37
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	5.30	15.34	30.29	14.08	14.70	-9.39	16.06	8.59	9.82
Income Tax Expense	0.40	2.75	7.74	2.83	3.13	1.25	1.73	1.54	2.87
Net Income	4.90	12.59	22.55	11.25	11.57	-10.64	14.33	7.05	6.94
Net Income - Continuous Operations	4.90	12.59	22.55	11.25	11.57	-10.64	14.33	7.05	6.94
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	1.81	17.77	2.74	2.70	17.13	-6.05	19.78	11.64	12.32
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	1.81	2.43	1.77	2.70	1.93	3.34	3.73	3.05	2.50
Earnings Per Share
Basic EPS	1.00	2.00	4.00	2.00	2.00	-2.00	3.00	1.00	2.00
Diluted EPS	1.00	2.00	4.00	2.00	2.00	-2.00	3.00	1.00	2.00
Basic Shares Outstanding	5.04	5.13	5.11	5.14	5.38	5.41	5.43	4.98	4.09
Diluted Shares Outstanding	5.31	5.30	5.12	5.15	5.39	5.41	5.45	5.03	4.11

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About CB Financial Services Financial Statements

What was CB Financial Services's revenue in fiscal 2025?

CB Financial Services reported revenue of $42.94M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 45.8% from $79.20M a year earlier.

Is CB Financial Services profitable?

Yes. CB Financial Services earned net income of $4.90M in fiscal 2025, a net margin of 11.4%. In fiscal 2024 it earned $12.59M.

What is CB Financial Services's operating margin?

CB Financial Services's operating income was $5.30M on revenue of $42.94M in fiscal 2025, an operating margin of 12.3%, compared with 19.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition