CNB Financial Services, Inc. (CBFC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 19 | 22 | 22 | 20 | 22 | 25 | 21 | - |
| Operating profit | $m | 7 | 7 | ||||||
| Net profit | $m | 3 | 3 | 4 | 3 | 4 | 5 | 4 | - |
| EPS reported | $ | 13.08 | 7.61 | ||||||
| Operating cashflow per share | $ | 19.08 | 0.00 | ||||||
| Capex per share | $ | 4.62 | 0.00 | ||||||
| FCF per share | $ | 14.46 | 0.00 | ||||||
| Free cash flow | $m | 6 | 0 | ||||||
| Net debt | $m | 82 | 0 | ||||||
| Book value equity | $m | 48 | - | ||||||
| Book value per share | $ | 123.6 | 0.00 | ||||||
| Number of shares | m | 0.39 | 0.39 | ||||||
| DPS (TTM paid) | $ | 2.60 | 3.30 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 3.44 | - | ||||||
| P/B LTM | x | 0.36 | 0.00 | ||||||
| P/S LTM | x | 0.69 | 0.83 | ||||||
| P/FCF LTM | x | 3.11 | 0.00 | ||||||
| EV/EBITDA LTM | x | 13.03 | 0.00 | ||||||
| EV/Sales LTM | x | 2.57 | 1.43 | ||||||
| Earnings Yield LTM | % | +29.07% | +14.40% | ||||||
| FCF Yield | % | +32.13% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +10.58% | 0.00% | ||||||
| ROIC | % | +3.44% | 0.00% | ||||||
| Operating margin | % | +17.11% | +32.53% | ||||||
| Gross margin | % | +65.55% | +100.00% | ||||||
| FCF/Sales | % | +14.54% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +23.28% | -28.28% | ||||||
| Sales Growth YoY | % | +17.43% | -2.19% | ||||||
| Net Income Growth YoY | % | +23.24% | +8.32% | ||||||
| FCF Growth | % | +21.39% | -100.00% | ||||||
| Operating Profit Growth | % | +25.03% | +29.75% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +5.78% | +4.13% | ||||||
| Dividend Growth | % | +2.77% | +30.43% | ||||||
| Payout Ratio | % | +19.90% | +19.90% | ||||||
| FCF/Debt | x | 0.06 | - | ||||||
| Net Debt/EBITDA | x | 10.74 | 0.00 | ||||||
| EBIT/Net interest | x | 0.50 | 0.00 | ||||||
| Net debt/market cap | % | +5.31% | 0.00% | ||||||
| Net debt/Equity | x | 1.70 | - | ||||||
| Gross debt/equity | x | 1.93 | - | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
CNB Financial Services, Inc. functions as the holding company for its subsidiary, CNB Bank, Inc., providing a full spectrum of banking products and financial services to individuals and businesses throughout the United States. The institution facilitates various deposit accounts, including checking, savings, individual retirement accounts (IRAs), demand deposits, and certificates of deposit (CDs). Its extensive loan offerings cover consumer needs such as financing for new and used vehicles, recreational vehicles (like motor homes, travel trailers, motorcycles, ATVs, boats, jet skis, and snowmobiles), personal loans, home improvement loans, and special purpose loans for vacations, holidays, equipment, or those secured by savings/CDs. For commercial clients, CNB provides small business lending, lines of credit, commercial real estate loans, equipment financing, and specialized loans for churches and professional services. Residential and real estate lending options include both in-house and secondary market mortgages, construction loans, home equity loans, land acquisition loans, and other installment-based real estate credit. Beyond traditional banking, the company issues debit and credit cards and delivers a suite of treasury management solutions, including cash management, smart pay express, merchant services, and access to the Citadel marketplace program. Additional services encompass trust operations, safe deposit boxes, and convenient check reordering. Customers can also access various investment products and advisory services, complemented by modern banking channels such as online, mobile, and telephone banking. On an institutional level, CNB Financial Services invests in mortgage-backed securities and collateralized mortgage obligations. As of December 31, 2021, the company operated eight full-service locations equipped with ATMs across its service area: two offices in Berkeley Springs, West Virginia; three branch offices in Berkeley County, West Virginia; and three more branch offices situated in Washington County, Maryland. Founded in 1934, CNB Financial Services, Inc. maintains its corporate headquarters in Berkeley Springs, West Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
CNB Financial Services, Inc. (CBFC)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
CNB Financial Services, Inc. functions as the holding company for its subsidiary, CNB Bank, Inc., providing a full spectrum of banking products and financial services to individuals and businesses throughout the United States. The institution facilitates various deposit accounts, including checking, savings, individual retirement accounts (IRAs), demand deposits, and certificates of deposit (CDs). Its extensive loan offerings cover consumer needs such as financing for new and used vehicles, recreational vehicles (like motor homes, travel trailers, motorcycles, ATVs, boats, jet skis, and snowmobiles), personal loans, home improvement loans, and special purpose loans for vacations, holidays, equipment, or those secured by savings/CDs. For commercial clients, CNB provides small business lending, lines of credit, commercial real estate loans, equipment financing, and specialized loans for churches and professional services. Residential and real estate lending options include both in-house and secondary market mortgages, construction loans, home equity loans, land acquisition loans, and other installment-based real estate credit. Beyond traditional banking, the company issues debit and credit cards and delivers a suite of treasury management solutions, including cash management, smart pay express, merchant services, and access to the Citadel marketplace program. Additional services encompass trust operations, safe deposit boxes, and convenient check reordering. Customers can also access various investment products and advisory services, complemented by modern banking channels such as online, mobile, and telephone banking. On an institutional level, CNB Financial Services invests in mortgage-backed securities and collateralized mortgage obligations. As of December 31, 2021, the company operated eight full-service locations equipped with ATMs across its service area: two offices in Berkeley Springs, West Virginia; three branch offices in Berkeley County, West Virginia; and three more branch offices situated in Washington County, Maryland. Founded in 1934, CNB Financial Services, Inc. maintains its corporate headquarters in Berkeley Springs, West Virginia.
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