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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 2 weeks)
Revenue estimate$16.3M
EPS estimate$0.81

Financials

Q4 2025

Income statement

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

Balance sheet

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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

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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
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Market cap$174.68M+19.3%
Enterprise value$145.59M+46.0%
P/E35.6×+24.0×
P/S4×+1.2×

Profitability

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

Returns & leverage

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

Segments

By product

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

FAQ

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.