Financial Snapshot

Revenue
$56.70M
TTM
Gross Margin
Net Earnings
$23.03M
TTM
Current Assets
Current Liabilities
$24.07M
Q3 2024
Current Ratio
Total Assets
$1.562B
Q3 2024
Total Liabilities
$1.413B
Q3 2024
Book Value
$149.1M
Q3 2024
Cash
Q3 2024
P/E
7.326
Nov 29, 2024 EST
Free Cash Flow
-$3.013M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue $62.23M $47.72M $43.56M $47.47M $51.03M $43.63M $32.43M $32.02M $31.92M $20.84M
YoY Change 30.41% 9.55% -8.24% -6.98% 16.97% 34.51% 1.3% 0.32% 53.15%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue $62.23M $47.72M $43.56M $47.47M $51.03M $43.63M $32.43M $32.02M $31.92M $20.84M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.737M $2.704M $2.435M $3.340M $3.728M $3.045M $2.499M $3.092M $2.572M $763.0K $630.0K $480.0K
YoY Change 1.22% 11.05% -27.1% -10.41% 22.43% 21.85% -19.18% 20.22% 237.09% 21.11% 31.25% -7.69%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Interest Expense $17.67M $4.781M $3.405M $5.563M $7.857M $5.949M $3.374M $2.870M $2.715M $1.960M
YoY Change 269.63% 40.41% -38.79% -29.2% 32.07% 76.32% 17.56% 5.71% 38.52%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Pretax Income $30.29M $14.08M $14.70M -$9.392M $16.06M $8.590M $9.818M $10.69M $11.86M $5.901M $5.420M $5.250M
YoY Change 115.09% -4.19% -256.46% -158.5% 86.92% -12.51% -8.17% -9.87% 101.03% 8.87% 3.24% -0.76%
Income Tax $7.735M $2.833M $3.125M $1.248M $1.729M $1.538M $2.874M $3.112M $3.443M $1.609M $1.160M $1.040M
% Of Pretax Income 25.54% 20.12% 21.27% 10.77% 17.9% 29.27% 29.11% 29.02% 27.27% 21.4% 19.81%
Net Earnings $22.55M $11.25M $11.57M -$10.64M $14.33M $7.052M $6.944M $7.580M $8.420M $4.292M $4.260M $4.220M
YoY Change 100.5% -2.79% -208.74% -174.27% 103.16% 1.56% -8.39% -9.98% 96.18% 0.75% 0.95% -4.09%
Net Earnings / Revenue 36.24% 23.57% 26.56% -22.42% 28.08% 16.16% 21.41% 23.67% 26.38% 20.59%
Basic Earnings Per Share $4.41 $2.19 $2.15 -$1.97 $2.64 $1.42 $1.70 $1.86 $2.07 $1.63
Diluted Earnings Per Share $4.40 $2.18 $2.15 -$1.97 $2.63 $1.40 $1.69 $1.86 $2.07 $1.63 $1.718M $1.702M

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

No data

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $19.70M $19.77M $19.10M $21.50M $23.60M $23.40M $16.70M $14.10M $10.30M $10.60M $4.600M $4.900M
YoY Change -0.33% 3.51% -11.16% -8.9% 0.85% 40.12% 18.44% 36.89% -2.83% 130.43% -6.12%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $7.786M $11.80M $4.500M $4.600M $5.100M $4.900M $2.400M $3.600M $2.700M $2.200M $2.000M
YoY Change -34.02% 162.24% -2.17% -9.8% 4.08% 104.17% -33.33% 33.33% 10.0%
Total Long-Term Assets
YoY Change
Total Assets $1.456B $1.409B $1.426B $1.417B $1.322B $1.282B $934.5M $846.1M $830.7M $846.3M $546.5M $546.8M
YoY Change
Accounts Payable $14.42M $5.494M $8.000M $7.400M $6.200M $6.400M $3.800M $3.400M $4.000M $5.100M $1.800M $1.800M
YoY Change 162.47% -31.33% 8.11% 19.35% -3.13% 68.42% 11.76% -15.0% -21.57% 183.33% 0.0%
Accrued Expenses $1.785M $2.088M $900.0K $1.200M $1.300M
YoY Change -14.51% 132.0% -25.0% -7.69%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $8.060M $39.30M $41.10M $30.60M $31.00M $39.60M $27.00M $32.40M $46.70M $15.40M $23.40M
YoY Change -100.0% -79.49% -4.38% 34.31% -1.29% -21.72% 46.67% -16.67% -30.62% 203.25% -34.19%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $14.42M $15.64M $8.900M $8.600M $7.500M $6.400M $3.800M $3.400M $4.000M $5.100M $1.800M $1.800M
YoY Change -7.81% 75.75% 3.49% 14.67% 17.19% 68.42% 11.76% -15.0% -21.57% 183.33% 0.0%
Long-Term Debt $14.68M $14.64M $14.60M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.27% 0.26%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $14.68M $14.64M $14.60M $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 0.27% 0.26%
Total Liabilities $1.316B $1.299B $1.292B $1.282B $1.170B $1.144B $841.2M $756.6M $743.8M $764.4M $501.5M $502.3M
YoY Change 1.35% 0.49% 0.8% 9.55% 2.3% 36.01% 11.18% 1.72% -2.69% 52.42% -0.16%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $168.72 Million

About CB Financial Services, Inc.

CB Financial Services, Inc. is a bank holding company, which engages in the provision of financial solutions. The company is headquartered in Carmichaels, Pennsylvania and currently employs 159 full-time employees. The firm conducts its operations primarily through its wholly owned subsidiary, Community Bank (the Bank). The Bank offers range of residential and commercial real estate loans, commercial and industrial loans, and consumer loans and deposit products for individuals and businesses in its market area. The firm's principal lending activity has been the origination in its local market area of residential one- to four-family, commercial real estate, construction, and others. Its residential real estate loans are comprised of loans secured by one- to four-family residential properties. The company provides loans to individuals to finance the construction of residential dwellings, construction of commercial properties, including hotels, and apartment buildings. Its investment portfolio includes United States Government Agency Securities, Obligations of States and Political Subdivisions, Mortgage-Backed Securities, and Corporate Debt.

Industry: State Commercial Banks Peers: Centric Financial Corp FIRST UNITED CORP/MD/ MALVERN BANCORP, INC. PNC FINANCIAL SERVICES GROUP, INC. UNITED SECURITY BANCSHARES