CNB Financial Services, Inc.
CNB Financial Services, Inc.
Your view on CBFC
Overview
What the company does, where it operates, and who runs it.
About CNB Financial Services, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Mark D. Harrell
- Headquarters
- 101 South Washington Street, Berkeley Springs, WV, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Mark D. Harrell
- Headquarters
- 101 South Washington Street, Berkeley Springs, WV, US
CNB Financial Services, Inc. operates as the bank holding company for CNB Bank, Inc. that provides various banking products and services to individuals and businesses in the United States. The company accepts checking, savings, and individual retirement accounts; demand deposits; and certificates of deposit (CDs).
Its loan products include consumer loans, such as new and used vehicle, motor homes and travel trailers, motorcycles and ATVs, boats and jet skis, snowmobiles, personal loans and notes, home improvement, vacations, Christmas, equipment, and savings/CD secured loans; commercial loans comprising small business lending, lines of credit, commercial real estate, equipment purchase, church, and professional loans; residential lending products, consisting of in-house and secondary market residential, construction, home equity, and land loans; and real estate mortgage and installment loans.
The company also offers debit and credit cards; cash management, smart pay express, merchant, Citadel marketplace program, trust, safe deposit box, and reorder checks; investment products and services; and online, mobile, and telephone banking services. In addition, it invests in mortgage-backed securities and collateralized mortgage obligations.
As of December 31, 2021, the company 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. was founded in 1934 and is based in Berkeley Springs, West Virginia.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for CNB Financial Services, Inc., and the rating behind it. CBFC last traded at $50.00, 10.5× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for CNB Financial Services, Inc.. Starting points for CNB Financial Services, Inc.: P/E 10.5, EPS $11.52, beta 0.24 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for CNB Financial Services, Inc.. CNB Financial Services, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for CNB Financial Services, Inc.. Trailing twelve-month EPS for CNB Financial Services, Inc. stands at $11.52. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for CNB Financial Services, Inc.. CNB Financial Services, Inc. has reported as a listed company since 2010. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
CNB Financial Services, Inc. valued side by side against its closest peers. CNB Financial Services, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold CNB Financial Services, Inc., and how their positions are changing. At a $19.0M market value, institutional positions materially move CNB Financial Services, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by CNB Financial Services, Inc. executives and directors. Shares of CNB Financial Services, Inc. have traded between $30.50 and $50.00 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming CNB Financial Services, Inc.. CNB Financial Services, Inc. is a $19.0M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming CNB Financial Services, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for CNB Financial Services, Inc.. Coverage tracks CNB Financial Services, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.