CNB Financial Services Past Earnings Performance

Past criteria checks 1/6

CNB Financial Services's earnings have been declining at an average annual rate of -9.6%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 1.5% per year. CNB Financial Services's return on equity is 9.1%, and it has net margins of 15.9%.

Key information

-9.6%

Earnings growth rate

-9.5%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	1.5%
Return on equity	9.1%
Net Margin	15.9%
Last Earnings Update	31 Dec 2023

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

OTCPK:CBFC Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Dec 23	21	3	12
31 Dec 22	21	4	12
31 Dec 21	21	3	13
31 Dec 20	18	3	10
31 Dec 19	16	3	9
30 Sep 19	16	3	8
30 Jun 19	16	3	0
31 Mar 19	16	3	0
31 Dec 18	16	3	8
30 Sep 18	16	2	11
30 Jun 18	15	2	7
31 Mar 18	15	2	7
31 Dec 17	15	2	7
30 Sep 17	14	3	0
30 Jun 17	14	2	0
31 Mar 17	14	2	0
31 Dec 16	14	2	7
30 Sep 16	14	2	0
30 Jun 16	13	2	0
31 Mar 16	13	2	0
31 Dec 15	13	2	0
30 Sep 15	12	2	0
30 Jun 15	12	2	0
31 Mar 15	12	2	0
31 Dec 14	12	2	0
30 Sep 14	12	2	0
30 Jun 14	11	2	0
31 Mar 14	11	2	0

Quality Earnings: CBFC has high quality earnings.

Growing Profit Margin: CBFC's current net profit margins (15.9%) are lower than last year (17.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if CBFC's year-on-year earnings growth rate was positive over the past 5 years.

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

Earnings vs Industry: CBFC had negative earnings growth (-9.6%) over the past year, making it difficult to compare to the Banks industry average (-11.7%).

Return on Equity

High ROE: CBFC's Return on Equity (9.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/31 23:53
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

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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