Filing Flows › CB Financial Services (CBFV) › Q3 2026
CB Financial Services (CBFV) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
CB Financial Services (CBFV) reported revenue of $16.0M for the third quarter 2026 (Q3 2026), +561% from a year earlier and +3% from the quarter before. Operating margin was 36.4%, net earnings $5.3M (33.3% of revenue).
CB Financial Services, Q3 2026: revenue $16.0M (+561% year over year), operating margin 36.4%, net earnings $5.3M, operating cash flow −$1.7M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $16.0M | +3% | +561% |
| Operating profit | $5.8M | +14% | — |
| Net earnings | $5.3M | +24% | — |
| Operating cash flow | −$1.7M | — | — |
What changed
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.
Questions
What was CB Financial Services' revenue in the third quarter 2026?
CB Financial Services (CBFV) reported revenue of $16.0M for the third quarter 2026 (Q3 2026), +561% from a year earlier and +3% from the quarter before.
Was CB Financial Services profitable in the third quarter 2026?
Operating profit was $5.8M (36.4% of revenue) and net earnings $5.3M.