Watch CBFV. Know when insiders buy.
One email the day a filing lands. Free.
CBFV
CB Financial Services, Inc.
38.65
+0.34 +0.89%
USD · close Oct 23
A free account adds a watchlist, alerts when insiders, Congress or short sellers move on your tickers, and a morning brief. Sign up
Work order
50
WATCH · shorts 50
Insiders, 90 days
0
no open-market filings in 90 days
Congress, 90 days
0 / 0
no disclosures naming it
Big money
0 / 15
none of the tracked funds disclose it
Calls on record
0
nobody we score has called it yet
MKT CAP $196.4MP/E 28.6DIV YIELD 2.79%FCF YIELD 9.94%REV TTM —NET INCOME $7.2M −37.9%NET CASH —52W 31.91 – 38.65SEC XBRL · TTM TO Invalid Date
How CBFV rewrote its risk factors
Text kept
86%
of sentences unchanged
Added
10
new sentences
Dropped
12
sentences removed
Length
−64
words, now 3,851
New in FY2025
- Risks Related to Our Lending Activities A large percentage of the Company’s loans are collateralized by real estate, and disruptions in the real estate market may result in losses and reduce the Company’s earnings.
- Disruptions in the real estate market could significantly impair the value of the Company’s collateral and its ability to sell the collateral upon foreclosure.
- If real estate values decline, it is likely that the Company would be required to increase its allowance for credit losses.
- If, during a period of lower real estate values, the Company is required to liquidate the collateral securing a loan to satisfy debts or to increase its allowance for credit losses, it could materially reduce its profitability and adversely affect its financial condition.
- Because the Company emphasizes commercial real estate and commercial loan originations, its credit risk profile is increased, and downturns in the local real estate market or economy could adversely affect its earnings.
- We must reserve for probable losses, which results in additional provisions for credit losses.
- If our estimate of the allowance for credit losses is inadequate, we will have to increase the allowance accordingly.
- The allowance, in the judgment of management, is appropriate to reserve for estimated credit losses and risks inherent in the loan portfolio.
- At December 31, 2025, we had $9.7 million of goodwill on our Consolidated Statements of Financial Condition after incurring goodwill impairment of $18.7 million in 2020.
- Declines in real estate values and sales volumes and elevated unemployment levels may result in higher than expected loan delinquencies, increases in nonperforming and criticized classified assets, and a decline in demand for the Company’s products and services.
Gone since FY2024
- Risks Related to Our Lending Activities A large percentage of the Company’s loans are collateralized by real estate, and further disruptions in the real estate market may result in losses and reduce the Company’s earnings.
- Improving economic conditions have shifted to an increase in demand for real estate, which has resulted in stabilization of some real estate values in the Company’s markets.
- Further disruptions in the real estate market could significantly impair the value of the Company’s collateral and its ability to sell the collateral upon foreclosure.
- If real estate values decline further, it is likely that the Company would be required to increase its allowance for loan losses.
- If, during a period of lower real estate values, the Company is required to liquidate the collateral securing a loan to satisfy debts or to increase its allowance for loan losses, it could materially reduce its profitability and adversely affect its financial condition.
- Because the Company emphasizes commercial real estate and commercial loan originations, its credit risk profile is increased, and continued downturns in the local real estate market or economy could adversely affect its earnings.
- We must reserve for probable losses, which results in additional provisions for loan losses.
- If our estimate of the allowance for loan losses is inadequate, we will have to increase the allowance accordingly.
- The allowance, in the judgement of management, is appropriate to reserve for estimated credit losses and risks inherent in the loan portfolio.
- At December 31, 2024, we had $9.7 million of goodwill on our Consolidated Statements of Financial Condition after incurring goodwill impairment of $18.7 million in 2020.
- Further declines in real estate values and sales volumes and continued elevated unemployment levels may result in higher than expected loan delinquencies, increases in nonperforming and criticized classified assets, and a decline in demand for the Company’s products and services.
- Recently, there have been market indicators of a pronounced rise in inflation and the FRB has raised certain benchmark interest rates in an effort to combat inflation.
Sentence-level comparison of Item 1A in the two most recent 10-Ks (FY2024 ↗, FY2025 ↗). A reworded sentence counts as one dropped and one added, so heavy edits read as low “kept”. Headings and page furniture are stripped; nothing is summarised by a model.