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CB Financial Services CBFV · USD

Financials · US listing · 🇺🇸 United States

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41.20

+1.23%

Close of 9 Nov 2026, in USD

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About CB Financial Services

From its filings with the US Securities and Exchange Commission

SEC filings

CB Financial Services is based in Carmichaels, Pennsylvania. Its shares trade on Nasdaq under the ticker CBFV. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2021, it reported revenue of $43.6m.

In its own words

CB Financial Services, Inc. (the “Company”), a Pennsylvania corporation, is a bank holding company headquartered in Carmichaels, Pennsylvania. The Company’s common stock is traded on the Nasdaq Global Market under the symbol “CBFV.” The Company conducts its operations primarily through its wholly owned subsidiary, Community Bank, a Pennsylvania-chartered commercial bank. At December 31, 2025, the Company, on a consolidated basis, had total assets of $1.55 billion, total liabilities of $1.39 billion and stockholders’ equity of $157.5 million.

Community Bank is a Pennsylvania-chartered commercial bank headquartered in Carmichaels, Pennsylvania. The Bank operates nine offices in Greene, Allegheny, Washington, Fayette and Westmoreland Counties in southwestern Pennsylvania and three offices in Marshall and Ohio Counties in West Virginia. The Bank also has a loan production office in Allegheny County, a loan production office and a corporate center in Washington County and an operations center in Greene County, Pennsylvania. The Bank is a community-oriented institution offering residential and commercial real estate loans, commercial and industrial loans, and consumer loans as well as a variety of deposit products for individuals and businesses in its market area.

Quoted from its 10-K, filed 13 Mar 2026. Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Banks
Listed since
9 Mar 1994
Employees
169
Head office
100 NORTH MARKET STREET, CARMICHAELS, PA, 15320
Classification
State Commercial Banks
Filer status
Non-accelerated filer<br>Smaller reporting company

Leadership

Pay as last reported

  • Mr. Mark FoxIndependent Chairman of the Board$75,720
  • Mr. John MontgomeryPresident, Chief Executive Officer, Director, since 2020$728,547
  • Mr. Charles GuthrieIndependent Vice Chairman of the Board$72,720
  • Ms. Amanda EnglesSenior Vice President, Chief Financial Officer
  • Ms. Jennifer GeorgeSenior Executive Vice President, Chief Operations Officer$375,583
  • Mr. Stephen CobainExecutive Vice President, Chief Credit Officer
  • Mr. Bruce SharpSenior Executive Vice President, Chief Commercial Banking Officer$404,552
  • Mr. Ralph BurchiantiDirector, since 1985$250,359
  • Mr. Jonathan BedwayIndependent Director$55,920
  • Mr. John LacarteIndependent Director$62,520
  • Ms. Roberta OlejaszIndependent Director$55,920
  • Mr. David PollockIndependent Director$59,520

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
33
Environment
2
Social
53
Governance
44
Carbon reduction policy
No
Human rights policy
No

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • CB Financial Services Inc has a strong market reputation and brand recognition, which helps attract potential customers and maintain customer loyalty.
  • The company has a diverse portfolio of financial products and services, including banking, insurance, investments, and wealth management, allowing it to serve a wide range of customer needs.
  • CB Financial Services Inc has a strong and experienced management team, with expertise in the financial industry, enabling effective decision-making and strategic planning.

Weaknesses

  • The company relies heavily on traditional brick-and-mortar branches, which may limit its geographical reach and potential customer base, especially in the digital age.
  • CB Financial Services Inc faces intense competition from both larger, established financial institutions and innovative fintech startups, which can put pressure on market share and profitability.
  • The company's technology infrastructure may require modernization to keep pace with industry advancements and customer expectations, potentially leading to higher costs and implementation challenges.

Opportunities

  • CB Financial Services Inc can explore partnerships or acquisitions to expand its product offerings or enter new markets, allowing it to tap into new customer segments and revenue streams.
  • The growing trend of digital banking and online financial services provides an opportunity for CB Financial Services Inc to enhance its digital capabilities, improve customer experience, and attract tech-savvy customers.
  • Changing regulatory environments may create opportunities for CB Financial Services Inc to capitalize on regulatory reforms or offer specialized services that meet new compliance requirements.

Threats

  • Economic downturns or financial crises can negatively impact the financial services industry, leading to reduced consumer spending, increased loan defaults, and decreased investment activity.
  • Rapid technological advancements and disruptive innovations in the financial sector can pose a threat to CB Financial Services Inc if it fails to adapt and embrace new technologies, potentially losing market share.
  • Increasing cybersecurity risks and data breaches pose a threat to CB Financial Services Inc's reputation and customer trust, necessitating robust security measures and ongoing investments in cybersecurity.

Sources and methodology

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