CB Financial Services Past Earnings Performance

Past criteria checks 2/6

CB Financial Services has been growing earnings at an average annual rate of 4.2%, while the Banks industry saw earnings growing at 14.3% annually. Revenues have been declining at an average rate of 2.6% per year. CB Financial Services's return on equity is 4.4%, and it has net margins of 15.2%.

Key information

4.25%

Earnings growth rate

4.72%

EPS growth rate

Banks Industry Growth	10.63%
Revenue growth rate	-2.63%
Return on equity	4.45%
Net Margin	15.21%
Last Earnings Update	30 Jun 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How CB Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:M8M Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 26	47	7	34
31 Mar 26	45	7	31
31 Dec 25	43	5	32
30 Sep 25	40	3	31
30 Jun 25	50	12	31
31 Mar 25	50	10	31
31 Dec 24	50	13	29
30 Sep 24	66	23	30
30 Jun 24	67	22	31
31 Mar 24	67	23	31
31 Dec 23	69	23	32
30 Sep 23	54	14	30
30 Jun 23	55	15	29
31 Mar 23	50	12	28
31 Dec 22	49	11	28
30 Sep 22	54	14	28
30 Jun 22	52	12	29
31 Mar 22	57	12	31
31 Dec 21	57	12	32
30 Sep 21	52	8	31
30 Jun 21	51	-12	30
31 Mar 21	51	-9	29
31 Dec 20	48	-11	29
30 Sep 20	47	-9	29
30 Jun 20	49	12	28
31 Mar 20	48	12	27
31 Dec 19	51	14	27
30 Sep 19	50	12	27
30 Jun 19	50	11	28
31 Mar 19	48	9	28
31 Dec 18	44	7	26
30 Sep 18	40	6	24
30 Jun 18	36	6	22
31 Mar 18	34	7	20
31 Dec 17	35	7	20
30 Sep 17	35	8	19
30 Jun 17	35	7	19
31 Mar 17	35	7	19
31 Dec 16	34	8	19
30 Sep 16	34	7	18
30 Jun 16	34	8	18
31 Mar 16	34	8	18
31 Dec 15	35	8	18
30 Sep 15	34	8	17

Quality Earnings: M8M has high quality earnings.

Growing Profit Margin: M8M's current net profit margins (15.2%) are lower than last year (23.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: M8M has become profitable over the past 5 years, growing earnings by 4.2% per year.

Accelerating Growth: M8M's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: M8M had negative earnings growth (-37.8%) over the past year, making it difficult to compare to the Banks industry average (1.1%).

Return on Equity

High ROE: M8M's Return on Equity (4.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/07/30 01:44
End of Day Share Price	2026/07/30 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

CB Financial Services, Inc. is covered by 5 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Daniel Cardenas	Brean Capital Historical (Janney Montgomery)
null null	D.A. Davidson & Co.
Jacob Civiello	D.A. Davidson & Co.