CB Financial Services Inc
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania and West Virginia. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. The company's loan products comprise … Read more
CB Financial Services Inc (CBFV) - Net Assets
Latest net assets as of December 2025: $157.54 Million USD
Based on the latest financial reports, CB Financial Services Inc (CBFV) has net assets worth $157.54 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.55 Billion) and total liabilities ($1.39 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $157.54 Million |
| % of Total Assets | 10.18% |
| Annual Growth Rate | 8.13% |
| 5-Year Change | 18.34% |
| 10-Year Change | 76.08% |
| Growth Volatility | 25.18 |
CB Financial Services Inc - Net Assets Trend (2002–2025)
This chart illustrates how CB Financial Services Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for CB Financial Services Inc (2002–2025)
The table below shows the annual net assets of CB Financial Services Inc from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $157.54 Million | +6.89% |
| 2024-12-31 | $147.38 Million | +5.39% |
| 2023-12-31 | $139.83 Million | +26.94% |
| 2022-12-31 | $110.16 Million | -17.25% |
| 2021-12-31 | $133.12 Million | -1.05% |
| 2020-12-31 | $134.53 Million | -10.96% |
| 2019-12-31 | $151.10 Million | +9.79% |
| 2018-12-31 | $137.62 Million | +47.58% |
| 2017-12-31 | $93.26 Million | +4.23% |
| 2016-12-31 | $89.47 Million | +2.96% |
| 2015-12-31 | $86.90 Million | +6.08% |
| 2014-12-31 | $81.91 Million | +82.01% |
| 2013-12-31 | $45.01 Million | +1.20% |
| 2012-12-31 | $44.47 Million | +59.08% |
| 2005-12-31 | $27.95 Million | +5.51% |
| 2004-12-31 | $26.50 Million | +0.35% |
| 2003-12-31 | $26.40 Million | +1.21% |
| 2002-12-31 | $26.09 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CB Financial Services Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | $157.54 Million | 100.00% |
| Total Equity | $157.54 Million | 100.00% |
CB Financial Services Inc Competitors by Market Cap
The table below lists competitors of CB Financial Services Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
B2Holding ASA
LSE:0RIT
|
$156.59 Million |
|
Haibo Heavy Engineering Science and Technology Co Ltd
SHE:300517
|
$156.62 Million |
|
Bergbahnen Engelberg Truebsee Titlis Bet AG
SW:TIBN
|
$156.62 Million |
|
Repco Home Finance Limited
NSE:REPCOHOME
|
$156.65 Million |
|
Solstad Offsho
OL:SOFF
|
$156.45 Million |
|
EcoSynthetix Inc
PINK:ECSNF
|
$156.44 Million |
|
King Copper Discovery Corp.
F:3RI0
|
$156.37 Million |
|
Chipsea Technologies Shenzhen Corp Ltd
SHG:688595
|
$156.34 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CB Financial Services Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 147,378,000 to 157,537,000, a change of 10,159,000 (6.9%).
- Net income of 4,903,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 17,235,000.
- Other factors decreased equity by 11,979,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.90 Million | +3.11% |
| Other Comprehensive Income | $17.23 Million | +10.94% |
| Other Changes | $-11.98 Million | -7.6% |
| Total Change | $- | 6.89% |
Book Value vs Market Value Analysis
This analysis compares CB Financial Services Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.16x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.15x to 1.16x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $10.89 | $34.32 | x |
| 2003-12-31 | $11.04 | $34.32 | x |
| 2004-12-31 | $11.15 | $34.32 | x |
| 2005-12-31 | $11.78 | $34.32 | x |
| 2012-12-31 | $17.96 | $34.32 | x |
| 2013-12-31 | $18.16 | $34.32 | x |
| 2014-12-31 | $31.09 | $34.32 | x |
| 2015-12-31 | $21.34 | $34.32 | x |
| 2016-12-31 | $21.90 | $34.32 | x |
| 2017-12-31 | $22.69 | $34.32 | x |
| 2018-12-31 | $27.35 | $34.32 | x |
| 2019-12-31 | $27.73 | $34.32 | x |
| 2020-12-31 | $24.88 | $34.32 | x |
| 2021-12-31 | $24.69 | $34.32 | x |
| 2022-12-31 | $21.39 | $34.32 | x |
| 2023-12-31 | $27.30 | $34.32 | x |
| 2024-12-31 | $27.79 | $34.32 | x |
| 2025-12-31 | $29.69 | $34.32 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CB Financial Services Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 3.11%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.14%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 9.82x
- Recent ROE (3.11%) is below the historical average (7.44%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 8.49% | 13.46% | 0.06x | 10.07x | $-393.74K |
| 2003 | 5.59% | 9.17% | 0.06x | 10.72x | $-1.16 Million |
| 2004 | 6.21% | 9.63% | 0.05x | 12.33x | $-1.01 Million |
| 2005 | 10.48% | 15.09% | 0.06x | 11.99x | $134.77K |
| 2012 | 9.48% | 19.41% | 0.04x | 12.29x | $-230.00K |
| 2013 | 9.46% | 20.50% | 0.04x | 12.14x | $-244.50K |
| 2014 | 5.24% | 17.92% | 0.03x | 10.33x | $-3.90 Million |
| 2015 | 9.69% | 21.83% | 0.05x | 9.56x | $-269.60K |
| 2016 | 8.47% | 19.72% | 0.05x | 9.46x | $-1.37 Million |
| 2017 | 7.45% | 17.67% | 0.04x | 10.02x | $-2.38 Million |
| 2018 | 5.12% | 13.89% | 0.04x | 9.30x | $-6.71 Million |
| 2019 | 9.48% | 24.83% | 0.04x | 8.75x | $-782.70K |
| 2020 | -7.91% | -19.53% | 0.04x | 10.53x | $-24.09 Million |
| 2021 | 8.69% | 23.11% | 0.04x | 10.71x | $-1.74 Million |
| 2022 | 10.21% | 20.54% | 0.04x | 12.79x | $231.50K |
| 2023 | 16.13% | 37.56% | 0.04x | 10.41x | $8.57 Million |
| 2024 | 8.55% | 15.90% | 0.05x | 10.05x | $-2.14 Million |
| 2025 | 3.11% | 7.14% | 0.04x | 9.82x | $-10.85 Million |
Industry Comparison
This section compares CB Financial Services Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CB Financial Services Inc (CBFV) | $157.54 Million | 8.49% | 8.82x | $156.54 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |