CNB Financial Services, Inc.

CNB Financial Services, Inc.

CBFC
CNB Financial Services, Inc.US flagOther OTC
80.00
USD
- -
- -
30.39MMarket Cap
CNB Financial Services, Inc.
CBFC
(Other OTC)

Recent

price

80.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2005
2006
2007
2008
2009
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
25.21
25.6
25.95
28.8
27.79
32.63
35.11
38.24
41.35
47.04
54.88
55.35
52.38
55.51
65.2
27.85
Revenue per Share
5.34
5.39
5.48
6.01
4.82
5.26
5.23
6.97
6.8
7.77
8.66
9.59
8.68
10.61
13.08
3.85
Basic EPS, GAAP
6.65
7.25
5.67
10.92
4.8
9.73
3.28
13.83
0.97
- -
27.45
13.39
5.47
11.91
14.46
5.17
Free Cash Flow per Basic Share
1.44
1.54
1.68
1.89
1.54
1.59
1.8
2.09
2.09
2.26
2.3
1.8
1.93
2.53
2.6
1.02
Dividend per Share
35.18
39.03
42.89
47.54
51.42
74.96
80.82
86.61
91.8
97.94
107.79
115.95
122.31
130.39
140.91
54.31
Book Value per Share
40.14
43.28
49.06
50.8
57.1
71.87
75.54
80.28
87.01
94.13
103.2
81.62
95.9
103.54
123.6
62.22
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
12
12
12
13
12
14
15
16
17
19
22
22
20
22
25
12
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
- -
- -
1
1
1
1
1
1
1
1
1
Depreciation Expense
2
2
3
3
2
2
2
3
3
3
3
4
3
4
5
2
Net Income, GAAP
33.62
34.58
32.23
32.5
20.83
22.53
41.95
19.05
19.69
19.1
20.97
20.49
21.56
22.05
23.17
4.3
Effective Tax Rate (%)
21.18
21.06
21.11
20.87
17.35
16.12
14.9
18.23
16.45
16.52
15.78
17.33
16.57
19.11
20.06
13.84
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
18
18
38
25
6
12
24
27
13
12
12
47
16
22
93
- -
LT Debt
19
20
23
23
26
30
31
33
36
38
41
32
37
40
48
28
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
14.52
13.36
13.22
9.68
8.14
6.67
8.28
7.6
8.16
8.28
8.56
7.28
8.4
9.64
7.25
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Mar'16
Jun'16
Sep'16
ST Debt
- -
- -
- -
LT Borrowings
1
3
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
- -
- -
Market Capitalization
12
14
13

Working Capital

FRC

in mil. unless spec.
Mar'16
Jun'16
Sep'16
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6
4
4
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5
5
5
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.17%
5.87%
19.33%
Free Cash Flow
-168,432.47%
-336,894.59%
21.37%
Net Income, GAAP
9.75%
10.77%
23.25%
Sales/Revenue/Turnover
7.66%
6.22%
17.43%
Total Cash Common Dividend
4.8%
3.45%
2.83%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
20
2024
- -
- -
- -
- -
22
2025
- -
- -
- -
- -
25

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
8.68
2024
- -
- -
- -
- -
10.61
2025
- -
- -
- -
- -
13.08

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.93
2024
- -
- -
- -
- -
2.53
2025
- -
- -
- -
- -
2.6
Business
CNB Financial Services, Inc. (CBFC) operates as the bank holding company for CNB Bank, Inc., a full-service commercial bank providing a broad range of retail and commercial banking products and services to individuals, businesses, and municipalities in the United States. The company offers deposit products including checking accounts, savings accounts, individual retirement accounts, demand deposits, and certificates of deposit; loan products such as consumer loans for new and used vehicles, equipment, secured personal, RV, wedding, vacation, and home improvement purposes, commercial loans for small to large businesses, churches, and non-profits, residential mortgages including in-house, secondary market, construction, home equity, land loans, first-time homebuyer programs, and professionals programs, as well as real estate mortgage and installment loans; and additional services encompassing debit and credit cards, BizNow cash management, merchant services, Citadel marketplace program, trust and investment products for institutional and individual clients, online and mobile banking, credit score monitoring, remote deposit capture, digital wallet services, Zelle money transfers, and wealth management including fiduciary, guardianship, personal custody, foundations, and endowments support. CNB Bank conducts operations through eight full-service offices and eight automated teller machines primarily in Morgan and Berkeley Counties, West Virginia, and Washington County, Maryland. Organized under West Virginia laws in March 2000 with headquarters at 101 South Washington Street, Berkeley Springs, West Virginia, the company maintains a focused regional presence without noted recent acquisitions, partnerships, funding rounds, or major strategic shifts within the last 1-2 years.