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CB Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved steady loan growth, with total loans up 6.4% year-over-year, driven by commercial lending; excluding indirect auto loans, portfolio grew 9.6% year-over-year.
Reported net income of $4.7 million for Q4 2025, reversing a prior quarter loss; full-year net income was $4.9 million, down from $12.6 million in 2024, with adjusted net income of $14.4 million, up from $10.8 million year-over-year.
Deposits increased 4.4% year-over-year, with a high concentration (77%) in core deposits and limited reliance on wholesale funding.
Core net income (non-GAAP) for Q4 2025 was $3.8 million, with diluted core EPS of $0.72 and core PPNR of $4.9 million.
Strategic balance sheet repositioning included selling $129.6 million in lower-yielding securities for an $11.8 million loss and reinvesting in higher-yielding assets, expected to add 19 bps to NIM and $0.40 to annual EPS.
Financial highlights
Net interest margin (NIM) rose to 3.76% in Q4 2025 from 3.12% in Q4 2024; fully tax equivalent NIM increased to 3.80%.
Net interest income for Q4 2025 was $13.8 million, up 5.6% from Q3 2025 and 19.9% year-over-year.
Book value per share increased to $31.28, and tangible book value per share to $29.35 at year-end.
Noninterest expense increased 8.1% due to higher salaries and data processing costs related to treasury personnel and products.
Announced a $5.0 million stock repurchase plan in Q3 2025.
Outlook and guidance
Material deposit growth expected in Q1 2026 and beyond as new treasury management products and personnel drive onboarding.
Management expects continued earnings growth in 2026, supported by commercial loan expansion, improved deposit mix, and new treasury and mortgage initiatives.
Expenses related to strategic initiatives are anticipated to be offset by cost savings and incremental revenue.
Macro outlook for 2026 includes uncertainty around Federal Reserve rate cuts, persistent inflation, evolving regulations, and competitive pressures from technology and digital channels.
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Next CB Financial Services earnings date
Q1 202622 Apr, 2026
CB Financial Services
Next CB Financial Services earnings date
Q1 202622 Apr, 2026
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Frequently asked questions
CB Financial Services, Inc. is a bank holding company. The company operates primarily through its subsidiary, Community Bank, offering a wide range of banking products and services. These include deposit products such as demand deposits, NOW accounts, money market accounts, and savings accounts. CB Financial Services also provides a variety of loan products, including residential real estate loans, commercial real estate loans, construction loans, and consumer loans. The company is headquartered in Carmichaels, Pennsylvania, and its shares are listed on the NASDAQ.
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