CBFC Stock Overview

Operates as the bank holding company for CNB Bank, Inc. More details

CBFC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 76.9% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($13M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

CNB Financial Services, Inc. Competitors

Seneca Financial

OTCPK:SNNF

US$13.4m

Greenville Federal Financial

OTCPK:GVFF

US$15.0m

Gouverneur Bancorp

OTCPK:GOVB

US$13.2m

First Community

OTCPK:FCCT

US$14.3m

Price History & Performance

Summary of share price highs, lows and changes for CNB Financial Services
Historical stock prices
Current Share Price	US$32.50
52 Week High	US$32.50
52 Week Low	US$30.02
Beta	0.26
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-42.78%
5 Year Change	n/a
Change since IPO	-54.86%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CBFC	US Banks	US Market
7D	0%	0.8%	0.6%
1Y	n/a	29.4%	23.7%

Return vs Industry: Insufficient data to determine how CBFC performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CBFC performed against the US Market.

Price Volatility

Is CBFC's price volatile compared to industry and market?
CBFC volatility
CBFC Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CBFC's share price has been volatile over the past 3 months compared to the US market.

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

About the Company

Founded	Employees	CEO	Website
1917	n/a	Mark Harrell	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, equipment, CNB savings/CD secured, unsecured personal, RV, wedding, vacation, and home improvement; commercial loans comprising small business lending, medium to large business lending, churches, and non-profits; residential lending products, consisting of in-house and secondary market residential, construction, home equity, land loans, first-time homebuyers, and professionals program; and real estate mortgage and installment loans.

CNB Financial Services, Inc. Fundamentals Summary

How do CNB Financial Services's earnings and revenue compare to its market cap?
CBFC fundamental statistics
Market cap	US$12.67m
Earnings (TTM)	US$3.39m
Revenue (TTM)	US$21.37m

3.7x

P/E Ratio

0.3x

P/B Ratio

Is CBFC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBFC income statement (TTM)
Revenue	US$21.37m
Cost of Revenue	US$0
Gross Profit	US$21.37m
Other Expenses	US$17.98m
Earnings	US$3.39m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	8.70
Gross Margin	100.00%
Net Profit Margin	15.87%
Debt/Equity Ratio	37.6%

How did CBFC perform over the long term?

See historical performance and comparison

Dividends

7.8%

Current Dividend Yield

14%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/28 06:44
End of Day Share Price	2024/11/29 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

CNB Financial Services, Inc. is covered by 0 analysts. 0 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