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CB Financial Services CBFV Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$15.6MBeat by $555.0K
EPS$0.72Miss by $0.09
Revenue estimate$15.0M
EPS estimate$0.82

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$15.8M
EPS estimate$0.80

Financials

Q4 2025

Income statement

See full
Revenue$15.6M+17.9%
Net income$4.7M+87.4%
EPS (diluted)$0.89+81.6%

Balance sheet

See full
Cash & equivalents$31.7M-36.1%
Total debt$2.6M-8.6%
Total equity$157.5M+6.9%
Total assets$1.5B+4.5%

Cash flow

See full
Operating cash flow$5.0M+216%
CapEx$188.0K-30.4%
Free cash flow$4.8M+267%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$174.68M+19.3%
Enterprise value$145.59M+46.0%
P/E35.6×+24.0×
P/S4×+1.2×

Profitability

See full
Net margin11.3%-13.2pp
FCF margin39.4%+32.7pp

Returns & leverage

See full
Return on equity3.2%-5.6pp
Debt / equity0×0.0×

Segments

By product

See full
Service Fees$585.0K+27.2%
Other Commissions$60.0K-4.8%

Versus estimates

Revenue

Q2 2026$15.5MBeat by $106.0KQ1 2026$14.8MMiss by $182.0K
Q4 2025$15.6MBeat by $555.0K
Q3 2025$8.7MMiss by $6.3MQ1 2025$12.1MMiss by $602.0KQ4 2024$20.2M

Diluted EPS

Q2 2026$0.81Beat by $0.09Q1 2026$0.72Beat by $0.01
Q4 2025$0.72Miss by $0.09
Q3 2025$0.74Beat by $0.08Q1 2025$0.50Beat by $0.07Q4 2024$0.46

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Questions, answered.

When did CB Financial Services report Q4 2025 earnings?
CB Financial Services (CBFV) reported Q4 2025 earnings on January 27, 2026 before market open.
What were CB Financial Services's Q4 2025 revenue and EPS?
CB Financial Services reported revenue of $15.6M and eps of $0.72 for Q4 2025.
Did CB Financial Services beat estimates in Q4 2025?
Revenue beat the consensus estimate of $15.0M by $555.0K. EPS missed the consensus estimate of $0.81 by $0.09.
How did CB Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 22.9% from $20.2M a year earlier and eps grew 57.9% from $0.46.
Where can I find CB Financial Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001605301-26-000004) and the 10-K periodic report (0001605301-26-000009) directly on SEC EDGAR. The filing index links above go to sec.gov.