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CB Financial Services (CBFV) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · CB Financial Services (CBFV) Q3 2026 earnings results →
Q3 2026 Revenue up 561% year over year to $16.0M · 33¢ of every $1 of revenue kept as net profit · operating margin 36.4%
CB Financial Services made $16.0M in Q3 2026 (+561% Y/Y): Net interest income $15.0M, Noninterest income $1.0M. Operating margin 36.4%, net earnings $5.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $16.0M in Q3 2026, up 561% year over year and up 3% from the previous quarter. Net interest income was the largest line at 94% of revenue. Noninterest income added $11.7M year over year, 86% of the total change.
Operating profit was $5.8M, a 36.4% margin (up 326.2 points year over year). Total costs grew 8% against revenue growth of 561%. Net earnings were $5.3M. The effective tax rate was 8.5%.
Operating cash flow was −$1.7M. Non-cash charges added back $586K of depreciation and amortization and $265K of share-based compensation. Working capital and other items used $7.9M. Capital expenditures of $1.1M exceeded it, leaving free cash flow of −$2.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $16.0M | +561% | 36.4% | $5.3M | −$1.7M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About CB Financial Services
CB Financial Services, Inc. (the “Company”), a Pennsylvania corporation, is a bank holding company headquartered in Carmichaels, Pennsylvania. The Company’s common stock is traded on the Nasdaq Global Market under the symbol “CBFV.” The Company conducts its operations primarily through its wholly owned subsidiary, Community Bank, a Pennsylvania-chartered commercial bank. At December 31, 2025, the Company, on a consolidated basis, had total assets of $1.55 billion, total liabilities of $1.39 billion and stockholders’ equity of $157.5 million.
In its own words, from its 10-K, filed Mar 13, 2026.
CB Financial Services against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +561% against the peers' median +10%. Operating margin: 36.4% against the peers' median 34.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CBFV CB Financial Services | Q3 2026 | $16.0M | +561% | 36.4% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: CB Financial Services 10-Q on SEC EDGAR · CIK 1605301 · State Commercial Banks
Guidance and outlook
13F: who owns CBFV and who is buying
More on CBFV
History
Every quarter: Q3 2026 results