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CBFC

CNB Financial Services OTCPK:CBFC Stock Report

Last Price

US$58.00

Market Cap

US$22.7m

7D

2.5%

1Y

-1.7%

Updated

03 Jul, 2022

Data

Company Financials
CBFC fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health0/6
Dividends1/6

CBFC Stock Overview

CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc.

CNB Financial Services Competitors

Price History & Performance

Summary of all time highs, changes and price drops for CNB Financial Services
Historical stock prices
Current Share PriceUS$58.00
52 Week HighUS$59.25
52 Week LowUS$53.00
Beta0
1 Month Change2.55%
3 Month Changen/a
1 Year Change-1.70%
3 Year Changen/a
5 Year Changen/a
Change since IPO-19.44%

Recent News & Updates

Shareholder Returns

CBFCUS BanksUS Market
7D2.5%-1.9%-2.5%
1Y-1.7%-18.3%-21.2%

Return vs Industry: CBFC exceeded the US Banks industry which returned -18.3% over the past year.

Return vs Market: CBFC exceeded the US Market which returned -21.2% over the past year.

Price Volatility

Is CBFC's price volatile compared to industry and market?
CBFC volatility
CBFC Average Weekly Movementn/a
Banks Industry Average Movement3.8%
Market Average Movement8.1%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.3%

Stable Share Price: Insufficient data to determine CBFC's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine CBFC's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1934n/aMark Harrellhttps://www.cnb.bank

CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc. that provides various banking products and services to individuals and businesses in the United States. The company accepts checking, savings, and individual retirement accounts; demand deposits; and certificates of deposit (CDs). Its loan products include consumer loans, such as new and used vehicle, motor homes and travel trailers, motorcycles and ATVs, boats and jet skis, snowmobiles, personal loans and notes, home improvement, vacations, Christmas, equipment, and savings/CD secured loans; commercial loans comprising small business lending, lines of credit, commercial real estate, equipment purchase, church, and professional loans; residential lending products, consisting of in-house and secondary market residential, construction, home equity, and land loans; and real estate mortgage and installment loans.

CNB Financial Services Fundamentals Summary

How do CNB Financial Services's earnings and revenue compare to its market cap?
CBFC fundamental statistics
Market CapUS$22.67m
Earnings (TTM)US$3.16m
Revenue (TTM)US$18.06m

0.0x

P/E Ratio

0.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CBFC income statement (TTM)
RevenueUS$18.06m
Cost of RevenueUS$0
Gross ProfitUS$18.06m
Other ExpensesUS$14.90m
EarningsUS$3.16m

Last Reported Earnings

Dec 31, 2020

Next Earnings Date

n/a

Earnings per share (EPS)0
Gross Margin0.00%
Net Profit Margin0.00%
Debt/Equity Ratio0.0%

How did CBFC perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

n/a

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is CBFC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CBFC?

Other financial metrics that can be useful for relative valuation.

CBFC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Book Ratio vs Peers

How does CBFC's PB Ratio compare to its peers?

CBFC PB Ratio vs Peers
The above table shows the PB ratio for CBFC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average0.9x
FIBH First Bancshares (Bellevue OH)
0.9xn/aUS$22.4m
CYSM Community Bancorp of Santa Maria
0.8xn/aUS$22.3m
OPHC OptimumBank Holdings
0.5xn/aUS$23.3m
FSWA First Sound Bank
1.4xn/aUS$21.3m
CBFC CNB Financial Services
n/an/aUS$22.7m

Price-To-Book vs Peers: Insufficient data to calculate CBFC's Price-To-Book Ratio vs. peers for valuation analysis.


Price to Earnings Ratio vs Industry

How does CBFC's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Book vs Industry: Insufficient data to calculate CBFC's Price-To-Book Ratio vs. industry for valuation analysis.


Price to Book Ratio vs Fair Ratio

What is CBFC's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CBFC PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ration/a
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate CBFC's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of CBFC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CBFC ($58) is trading above our estimate of fair value ($25.15)

Significantly Below Fair Value: CBFC is trading above our estimate of fair value.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CBFC's PEG Ratio to determine if it is good value.


Discover undervalued companies

Future Growth

How is CNB Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


9.7%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as CNB Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Discover growth companies

  • Take a look at our analysis of CBFC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access CNB Financial Services's filings and announcements here.

Past Performance

How has CNB Financial Services performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


15.7%

Historical Banks annual earnings growth

In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, CNB Financial Services has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Discover strong past performing companies

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at CNB Financial Services's management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access CNB Financial Services's filings and announcements here.

Financial Health

How is CNB Financial Services's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

0/6

Financial Health Score 0/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

In this section we usually analyse CNB Financial Services's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. CNB Financial Services has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Discover healthy companies

  • Take a look at our analysis of CBFC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when CNB Financial Services's financial data was last updated here.

Dividend

What is CNB Financial Services's current dividend yield, its reliability and sustainability?

Dividend Score

1/6

Dividend Score 1/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.07%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: CBFC's dividend (2.07%) is higher than the bottom 25% of dividend payers in the US market (1.6%).

High Dividend: CBFC's dividend (2.07%) is low compared to the top 25% of dividend payers in the US market (4.25%).


Stability and Growth of Payments

Stable Dividend: CBFC has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: CBFC has only been paying a dividend for 3 years, and since then payments have fallen.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

22.5yrs

Average board tenure


CEO

Mark Harrell

8.5yrs

Tenure

Mr. Mark D. Harrell serves as Chief Executive Officer and President at CNB Financial Services Inc. Mr. Harrell served as Chief Operating Officer, Corporate Retail Banking Executive and President, Hagerstow...


Board Members

Experienced Board: CBFC's board of directors are seasoned and experienced ( 22.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

CNB Financial Services, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: CNB Financial Services, Inc.
  • Ticker: CBFC
  • Exchange: OTCPK
  • Founded: 1934
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: US$22.668m
  • Shares outstanding: 390.83k
  • Website: https://www.cnb.bank

Location

  • CNB Financial Services, Inc.
  • 101 South Washington Street
  • Berkeley Springs
  • West Virginia
  • 25411
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/03 00:00
End of Day Share Price2022/06/28 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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 here.