| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 0/6 |
| Dividends | 1/6 |
CBFC Stock Overview
CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc.
CNB Financial Services Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$58.00 |
| 52 Week High | US$59.25 |
| 52 Week Low | US$53.00 |
| Beta | 0 |
| 1 Month Change | 2.55% |
| 3 Month Change | n/a |
| 1 Year Change | -1.70% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | -19.44% |
Recent News & Updates
Shareholder Returns
| CBFC | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.5% | -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
| CBFC volatility | |
|---|---|
| CBFC Average Weekly Movement | n/a |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 8.1% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.3% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1934 | n/a | Mark Harrell | https://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
| CBFC fundamental statistics | |
|---|---|
| Market Cap | US$22.67m |
| Earnings (TTM) | US$3.16m |
| Revenue (TTM) | US$18.06m |
0.0x
P/E Ratio0.0x
P/B RatioIs CBFC overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CBFC income statement (TTM) | |
|---|---|
| Revenue | US$18.06m |
| Cost of Revenue | US$0 |
| Gross Profit | US$18.06m |
| Other Expenses | US$14.90m |
| Earnings | US$3.16m |
Last Reported Earnings
Dec 31, 2020
Next Earnings Date
n/a
| Earnings per share (EPS) | 0 |
| Gross Margin | 0.00% |
| Net Profit Margin | 0.00% |
| Debt/Equity Ratio | 0.0% |
How did CBFC perform over the long term?
See historical performance and comparisonDividends
2.1%
Current Dividend Yieldn/a
Payout RatioValuation
Is CBFC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation 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.
| What is CBFC's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$22.67m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does CBFC's PB Ratio compare to its peers?
| CBFC PB Ratio vs Peers |
|---|
| Company | PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 0.9x | ||
FIBH First Bancshares (Bellevue OH) | 0.9x | n/a | US$22.4m |
CYSM Community Bancorp of Santa Maria | 0.8x | n/a | US$22.3m |
OPHC OptimumBank Holdings | 0.5x | n/a | US$23.3m |
FSWA First Sound Bank | 1.4x | n/a | US$21.3m |
CBFC CNB Financial Services | n/a | n/a | US$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.
| Fair Ratio | |
|---|---|
| Current PB Ratio | n/a |
| Fair PB Ratio | n/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
0/6Future 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
0/6Past 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
0/6Financial 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
1/6Dividend 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/07/03 00:00 |
| End of Day Share Price | 2022/06/28 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.