CNB Financial Services, Inc. (CBFC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CNB Financial Services, Inc. (CBFC) trades at $50.00 with AI Score 44/100 (Grade C). CNB Financial Services, Inc. is a bank holding company providing banking products and services to individuals and businesses. Market cap: $18.99M, Sector: Financial services.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for CBFC: CBFC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBFC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CBFC: the 1 perspectives are evenly split.
How is this calculated? →CNB Financial Services, Inc. (CBFC) Financial Services Profile
CNB Financial Services, Inc., operating as CNB Bank, provides banking solutions in West Virginia and Maryland, focusing on traditional deposit and loan products. With a market capitalization of $18.99M and a dividend yield of 6.54%, the company caters to individuals and businesses within its regional footprint, competing with other regional banks.
What Is the Investment Thesis for CBFC?
CNB Financial Services, Inc. presents a compelling investment case based on its established regional presence and attractive dividend yield of 6.54%. The company's P/E ratio of 3.8 suggests potential undervaluation compared to peers. Growth catalysts include expanding its commercial loan portfolio and leveraging digital banking services to enhance customer reach. However, investors may want to evaluate the risks associated with operating in a competitive regional banking sector and the potential impact of interest rate fluctuations on net interest margin. Maintaining a profit margin of 12.5% is crucial for sustaining shareholder value.
Based on FMP financials and quantitative analysis
CBFC Key Highlights
- Market capitalization of $18.99M indicates a small-cap regional bank.
- P/E ratio of 3.8 suggests potential undervaluation relative to industry peers.
- Profit margin of 12.5% reflects the company's profitability in its operations.
- Gross margin of 65.6% demonstrates efficient management of interest income and expenses.
- Dividend yield of 6.54% offers an attractive income stream for investors.
Who Are CBFC's Competitors?
CBFC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ASCN Absecon Bancorp | $116.00 | +0.00% | $12.70M | 52 |
| CCYY CCCB Bancorp, Inc. | $10.38 | +0.00% | $15.95M | 46 |
| CTYP Community Bankers' Corporation | $10.50 | +0.00% | $23.73M | 51 |
| EBSH Empire Bancshares, Inc. | $41.00 | -0.24% | $27.11M | 48 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBFC's Key Strengths?
- Strong local presence in West Virginia and Maryland.
- Diversified loan portfolio.
- Attractive dividend yield.
- Experienced management team.
What Are CBFC's Weaknesses?
- Limited geographic reach.
- Small market capitalization.
- Dependence on traditional banking products.
- Exposure to interest rate risk.
What Could Drive CBFC Stock Higher?
- Expansion of commercial lending portfolio to drive revenue growth.
- Increased adoption of digital banking services to improve customer engagement.
- Potential strategic partnerships with local businesses to expand market reach.
- Focus on wealth management services to generate additional revenue streams.
- Possible acquisitions of smaller banks or credit unions to accelerate growth.
What Are the Key Risks for CBFC?
- Interest rate fluctuations impacting net interest margin.
- Intense competition from larger banks and credit unions.
- Economic downturn in the region affecting loan performance.
- Regulatory changes and compliance costs increasing operational expenses.
- Cybersecurity threats compromising customer data and financial assets.
What Are the Growth Opportunities for CBFC?
- Expansion of Commercial Lending: CNB Financial Services can drive growth by expanding its commercial lending portfolio, targeting small and medium-sized businesses in its operating region. The market for small business loans is estimated at billions of dollars, providing ample opportunity for growth. By offering tailored loan products and personalized service, CNB Financial Services can attract new commercial clients and increase its loan volume. Timeline: Ongoing.
- Digital Banking Adoption: Investing in and promoting its online and mobile banking platforms can attract tech-savvy customers and improve operational efficiency. The digital banking market is experiencing rapid growth, with increasing adoption rates among consumers. By enhancing its digital offerings, CNB Financial Services can expand its customer base and reduce its reliance on traditional branch banking. Timeline: Ongoing.
- Strategic Branch Expansion: CNB Financial Services can strategically expand its branch network in underserved markets within its operating region. Identifying areas with strong economic growth and limited banking options can provide a competitive advantage. New branches can attract new customers, increase deposit volume, and generate additional loan opportunities. Timeline: 2-3 years.
- Wealth Management Services: Offering wealth management services, including investment advice, retirement planning, and trust services, can generate additional revenue streams and enhance customer loyalty. The wealth management market is growing, driven by an aging population and increasing demand for financial planning services. By providing comprehensive wealth management solutions, CNB Financial Services can attract high-net-worth individuals and families. Timeline: 1-2 years.
- Partnerships and Acquisitions: Exploring partnerships with local businesses and potential acquisitions of smaller banks or credit unions can accelerate growth and expand market share. Strategic partnerships can provide access to new customers and markets, while acquisitions can add new branches and product offerings. CNB Financial Services should carefully evaluate potential partnerships and acquisitions to ensure they align with its strategic goals. Timeline: Ongoing.
What Opportunities Does CBFC Have?
- Expansion into new markets.
- Increased adoption of digital banking services.
- Growth in commercial lending.
- Strategic partnerships and acquisitions.
What Threats Does CBFC Face?
- Intense competition from larger banks.
- Economic downturn in the region.
- Regulatory changes and compliance costs.
- Cybersecurity threats.
What Are CBFC's Competitive Advantages?
- Established regional presence and brand recognition.
- Strong customer relationships and local market knowledge.
- Conservative lending practices and risk management.
- Access to a stable deposit base.
What Does CBFC Do?
Founded in 1934 and based in Berkeley Springs, West Virginia, CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc. The bank provides a comprehensive suite of banking products and services tailored to individuals and businesses. Its deposit products include checking, savings, individual retirement accounts, demand deposits, and certificates of deposit. Loan offerings encompass consumer loans (vehicle, home improvement), commercial loans (small business, real estate), and residential lending (mortgage, construction). CNB Financial Services also provides debit and credit cards, cash management services, trust services, safe deposit boxes, and online, mobile, and telephone banking. The company strategically invests in mortgage-backed securities and collateralized mortgage obligations to optimize its investment portfolio. As of December 31, 2021, CNB Financial Services operated two full-service offices and ATMs in Berkeley Springs, West Virginia; three full-service branch offices and ATMs in Berkeley County, West Virginia; and three full-service branch offices and ATMs in Washington County, Maryland. CNB Financial Services, Inc. focuses on serving its local communities with personalized banking solutions.
What Products and Services Does CBFC Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers a variety of loan products, including consumer, commercial, and residential loans.
- Provides online and mobile banking services for convenient account access.
- Offers debit and credit cards for customer transactions.
- Provides cash management services for businesses.
- Offers trust and investment services to individuals and families.
- Invests in mortgage-backed securities and collateralized mortgage obligations.
How Does CBFC Make Money?
- Generates revenue through interest income on loans.
- Earns fees from deposit accounts and other banking services.
- Invests in securities to generate additional income.
- Manages expenses to maintain profitability.
What Industry Does CBFC Operate In?
CNB Financial Services, Inc. operates within the regional banking sector, which is characterized by intense competition and sensitivity to interest rate changes. The industry is witnessing a shift towards digital banking and personalized customer service. CNB Financial Services competes with other regional banks and credit unions for deposits and loans. The company's success depends on its ability to maintain a strong local presence, offer competitive interest rates, and adapt to evolving customer preferences. The regional banking sector is also subject to regulatory oversight and economic cycles.
Who Are CBFC's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Real estate developers and investors seeking financing.
- High-net-worth individuals seeking wealth management services.
Company Profile
CNB Financial Services, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Berkeley Springs, US. The company is led by CEO Mark D. Harrell. CBFC has traded publicly since 2010.
How CNB Financial Services, Inc. Is Valued
CNB Financial Services, Inc. carries a market capitalization of $18.99M, placing it in the micro-cap category. Relative to its peer group, CBFC's quantitative score of 44/100 is roughly in line with the peer average of 54/100.
ROE 12%Key Financial Metrics
Return on equity for CNB Financial Services, Inc. stands at 11.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. CBFC trades at a trailing price-to-earnings ratio of 3.82, below the Financial Services sector average of ~18x. Its free cash flow yield is 29.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.02 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 26.2%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
CNB Financial Services, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 69.67 places it in the safe zone, indicating low near-term bankruptcy risk.
CBFC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insider buying activity has increased recently, indicating confidence from leadership in the company's future.
- Community sentiment has shifted positively, with discussions highlighting strong customer relationships and service quality.
- Recent developments in digital banking initiatives have resonated well with investors, suggesting growth potential.
- Market perception is buoyed by positive quarterly earnings reports, reinforcing trust in the company's operational stability.
Bear Case
- Concerns about rising interest rates have led to apprehension among investors, particularly in the financial services sector.
- Some community members express skepticism about the sustainability of recent growth trends, fearing they may not be long-lasting.
- Increased competition in the regional banking space is causing worries about market share erosion.
- Negative sentiment from recent regulatory changes is creating uncertainty, leading to caution among potential investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
CBFC Latest News
No recent news available for CBFC.
CBFC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBFC.
Price Targets
Wall Street price target analysis for CBFC.
CBFC MoonshotScore
What does this score mean?
The MoonshotScore rates CBFC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Mark D. Harrell
Unknown
Information regarding Mark D. Harrell's specific background, career history, education, and previous roles is not available in the provided data. Further research would be needed to provide a comprehensive biography.
Track Record: Information regarding Mark D. Harrell's key achievements, strategic decisions, and company milestones under their leadership is not available in the provided data. Further research would be needed to assess their track record.
CBFC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that CNB Financial Services, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory requirements as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Higher risk of fraud or scams.
- Lack of regulatory oversight.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Research the management team and their track record.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Check for any regulatory actions or legal proceedings.
- Company has been in operation for a long time (founded in 1934).
- Operates a regulated business (banking).
- Has physical branch locations.
- Offers a dividend, suggesting some financial stability.
- Has a board of directors and management team.
CBFC Financial Services Stock FAQ
What does CNB Financial Services, Inc. do?
CNB Financial Services, Inc., through its subsidiary CNB Bank, provides a range of banking products and services to individuals and businesses in West Virginia and Maryland. These services include deposit accounts, loans, online banking, and wealth management. The company operates with a community-focused approach, aiming to serve the financial needs of its local markets. CNB generates revenue primarily through interest income on loans and fees from banking services.
What are the main risks for CBFC?
CNB Financial Services, Inc. faces several risks common to regional banks, including interest rate risk, credit risk, and regulatory risk. Changes in interest rates can impact the company's net interest margin, while economic downturns can lead to increased loan defaults. Additionally, the company must comply with various banking regulations, which can increase operational costs. Cybersecurity threats also pose a risk to customer data and financial assets.
What are the key factors to evaluate for CBFC?
CNB Financial Services, Inc. (CBFC) holds an AI score of 44/100 (low). P/E: 3.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CBFC data refresh on this page?
CBFC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CBFC's recent stock price performance?
CNB Financial Services, Inc. (CBFC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in West Virginia and Maryland. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CBFC overvalued or undervalued right now?
CNB Financial Services, Inc. (CBFC) trades at 3.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CBFC?
Before investing in CNB Financial Services, Inc. (CBFC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CBFC to a portfolio?
Key strength of CNB Financial Services, Inc. (CBFC): Strong local presence in West Virginia and Maryland. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-03-17.
- AI analysis pending for CBFC stock.
- OTC market data may be limited.