Subscribe

CNB Financial Services, Inc. (CBFC)

USD80.00 +30.00 (+60.00%)
US OTC Financial Services Banks - Regional
Address 101 South Washington Street 25411
Berkeley Springs, WV, US
CEO Mark D. Harrell
Website cnb.bank
IPO 2010-03-26
ISIN US12613N1037

Explore sections of this company profile

Description

CNB Financial Services, Inc. functions as the holding company for its subsidiary, CNB Bank, Inc., providing a full spectrum of banking products and financial services to individuals and businesses throughout the United States. The institution facilitates various deposit accounts, including checking, savings, individual retirement accounts (IRAs), demand deposits, and certificates of deposit (CDs). Its extensive loan offerings cover consumer needs such as financing for new and used vehicles, recreational vehicles (like motor homes, travel trailers, motorcycles, ATVs, boats, jet skis, and snowmobiles), personal loans, home improvement loans, and special purpose loans for vacations, holidays, equipment, or those secured by savings/CDs. For commercial clients, CNB provides small business lending, lines of credit, commercial real estate loans, equipment financing, and specialized loans for churches and professional services. Residential and real estate lending options include both in-house and secondary market mortgages, construction loans, home equity loans, land acquisition loans, and other installment-based real estate credit. Beyond traditional banking, the company issues debit and credit cards and delivers a suite of treasury management solutions, including cash management, smart pay express, merchant services, and access to the Citadel marketplace program. Additional services encompass trust operations, safe deposit boxes, and convenient check reordering. Customers can also access various investment products and advisory services, complemented by modern banking channels such as online, mobile, and telephone banking. On an institutional level, CNB Financial Services invests in mortgage-backed securities and collateralized mortgage obligations. As of December 31, 2021, the company operated eight full-service locations equipped with ATMs across its service area: two offices in Berkeley Springs, West Virginia; three branch offices in Berkeley County, West Virginia; and three more branch offices situated in Washington County, Maryland. Founded in 1934, CNB Financial Services, Inc. maintains its corporate headquarters in Berkeley Springs, West Virginia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD80.00 +30.00 (+60.00%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
1
Beta
0.19
Float Shares
245.9K
Free Float %
64.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.00% +0.00% +11.11% +11.11% +53.85% -9.09% -3.85% +0.00% -50.50%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
80.00
DCF (Unlevered) 58.15 -27.3%
DCF (Levered) 201.89 +152.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
30.09
Safe zone
Piotroski F-Score
5 / 9
Average
Operational MOAT
  • Revenue growth
    +17.5% Q4'19: +2.5% (vs Q4'18)
  • EPS growth
    +23.3% Q4'19: -19.5% (vs Q4'18)
  • FCF margin
    Q4'19: +0.0% (vs Q4'18)
  • EBIT margin
    Q4'19: +0.0% (vs Q4'18)
  • ROIC
    Q4'19: +0.0% (vs Q4'18)
  • Share dilution
    0.0% Q4'19: -0.2% (vs Q4'18)
  • Debt / EBITDA
    Q4'19: 58.70× (vs Q4'18)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.21) × ERP
WACC = 17% × Ke + 83% × Kd (14.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 58.15 Current price: 80.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
329.49
OE per share TTM
0.00
Owner's Yield
0.00%
Maintenance CapEx ratio
5.76%
Maint CapEx / Avg PPE
36.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
73.1K
Shares Outstanding
379.8K

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Rebecca S. Stotler Executive Vice President & Chief Financial Officer 81.8K female
Mark D. Harrell President & Chief Executive Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings reports

Stock splits