Filing Flows

Filing Flows › Companies › CB Financial Services › Cash flow

CB Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$2.8M in Q3 2026 · $12.2M over twelve months

Operating cash flow−$1.7M
Capital spending−$1.1M
Free cash flow−$2.8M
Cash / net income-0.3×

Analysis

In Q3 2026, CB Financial Services generated −$1.7M of operating cash flow and spent $1.1M on capital projects, leaving free cash flow of −$2.8M. That is $7.3M less than in Q3 2025 ($4.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $13.8M; the largest uses were other investing ($118M), dividends ($5.6M), capital spending ($1.5M); besides operations, cash came from other financing ($87.0M); the cash balance fell by $25.1M.

Operating cash flow was −$1.7M against net income of $5.3M — -0.3× profit, less cash than reported earnings, worth checking against working capital. The largest differences: income taxes payable −$7.8M, other operating capital +$3.4M, depreciation & amortization +$586K.

Free cash flow

CB Financial Services: free cash flow by quarterCB Financial Services: free cash flow by quarter$1.3MQ4 2024$3.9MQ1 2025$3.9MQ2 2025$4.5MQ3 2025$4.8MQ4 2025$2.8MQ1 2026$7.4MQ2 2026−$2.8MQ3 2026
Operating cash flow less capital spending.
CB Financial Services: operating cash flow against capital spendingCB Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$1.6M$270KQ4 2024$4.0M$101KQ1 2025$4.1M$257KQ2 2025$4.6M$104KQ3 2025$5.0M$188KQ4 2025$3.0M$202KQ1 2026$7.4M$66KQ2 2026−$1.7M$1.1MQ3 2026
Latest (Q3 2026): Operating cash flow −$1.7M, Capital spending $1.1M.

Capital allocation, year by year

CB Financial Services: where the cash came from (up) and went (down), by fiscal yearCB Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $13.1MFY2021: Net borrowing −$6.8MFY2021: Asset sales $845KFY2021: Capital spending −$2.4MFY2021: Buybacks −$4.1MFY2021: Dividends −$5.2M$13.9MFY2021FY2022: Operating cash flow $14.2MFY2022: Net borrowing −$34.2MFY2022: Asset sales $480KFY2022: Capital spending −$509KFY2022: Buybacks −$4.8MFY2022: Dividends −$4.9M$14.6MFY2022FY2023: Operating cash flow $14.2MFY2023: Net borrowing −$8.1MFY2023: Asset sales $47KFY2023: Capital spending −$3.3MFY2023: Buybacks −$843KFY2023: Dividends −$5.1M$14.3MFY2023FY2024: Operating cash flow $6.8MFY2024: Asset sales $988KFY2024: Capital spending −$3.3MFY2024: Buybacks −$965KFY2024: Dividends −$5.1M$7.7MFY2024FY2025: Operating cash flow $17.8MFY2025: Asset sales $41KFY2025: Capital spending −$650KFY2025: Buybacks −$6.8MFY2025: Dividends −$5.1M$17.8MFY2025
Over these 5 years operating cash flow totalled $66.0M; the largest uses were net borrowing ($49.1M) and dividends ($25.5M). Cash-flow statements as filed.

Where the cash came from and went

CB Financial Services: sources (+) and uses (−) of cash, Q3 2026CB Financial Services: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$45.3MOther financing−$39.0MOther investing−$16.0MNet borrowing (+) / repaid (−)$14.0MOperating cash flow−$1.7MDividends−$1.4MCapital spending−$1.1MBuybacks−$9K
CB Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026CB Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$118MOther financing$87.0MCash drawn (+) / kept (−)$25.1MOperating cash flow$13.8MDividends−$5.6MCapital spending−$1.5MBuybacks−$329K

From profit to cash

CB Financial Services: net income to operating cash flow, Q3 2026CB Financial Services: net income to operating cash flow, Q3 2026Net income$5.3MDepreciation & amortization$586KStock-based pay$265KIncome taxes payable−$7.8MOther operating capital$3.4MOperating cash flow−$1.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026−$1.7M−$1.1M−$9K−$1.4M$14.0M$45.3M−$2.8M
Q2 2026$7.4M−$66K−$14K−$1.4M—−$20.5M$7.4M
Q1 2026$3.0M−$202K−$292K−$1.4M—−$23.9M$2.8M
Q4 2025$5.0M−$188K−$14K−$1.3M—$24.2M$4.8M
Q3 2025$4.6M−$104K−$7K−$1.3M—$8.6M$4.5M
Q2 2025$4.1M−$257K−$4.4M−$1.3M—−$3.2M$3.9M
Q1 2025$4.0M−$101K−$2.4M−$1.3M—−$11.7M$3.9M
Q4 2024$1.6M−$270K−$634K−$1.3M—$97.8M$1.3M

CB Financial Services: income statement and cash flow

CB Financial Services, Q3 2026: revenue $16.0M (+561% year over year), operating margin 36.4%. The chart follows the revenue to costs, profit and cash.

CB Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.