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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
CB Financial Services
CB Financial Services (CBFV) investor relations material
CB Financial Services Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary26 Oct, 2026
Executive summary
Q3 2026 GAAP net income was $5.327M; adjusted net income was $4.865M and diluted adjusted EPS was $0.91.
Higher net interest income and margin supported earnings; total assets were $1.63B at quarter-end.
Financial highlights
Net interest and dividend income rose 14.5% YoY to $15.0M; net interest margin was 3.75%, up 7 bps QoQ.
Q3 noninterest income was $1.0M, versus a $10.7M loss in Q3 2025, which included $11.8M of securities-sale losses.
Noninterest expense was $10.3M, up 11.8% YoY due mainly to treasury and commercial banking staff, platform costs and contracted services; it declined 1.2% QoQ.
Nine-month GAAP net income was $13.5M versus $164K; adjusted net income was $13.0M versus $10.6M.
Core PPNR was $5.8M; average organic deposits rose $52.9M, or 3.9%, QoQ to $1.415B.
Outlook and guidance
Focus remains on building loan and deposit momentum through year-end and into 2027; loan payoff activity is expected to moderate in Q4.
Specialty Treasury relationships are expected to contribute more as clients consolidate banking activity; management cited a healthy pipeline and strong client engagement.
Priorities include disciplined pricing, liquidity and interest-rate-risk management, cost discipline, portfolio monitoring and continued digital investment; capital, asset quality and liquidity support quality growth.
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Latest events from CB Financial Services
- Q2 2026 saw higher earnings, strong deposit growth, and improved asset quality.CBFV
Q2 2026 - Q1 2026 net income rose to $3.9M, with strong margins, deposit growth, and capital ratios.CBFVQ1 2026
- Votes will be held on director elections, auditor ratification, and executive pay at the May 2026 meeting.CBFVProxy filing
- Annual meeting to vote on directors, auditor, and executive compensation, with board support for all.CBFVProxy filing
- Q4 2025 saw strong loan growth, higher NIM, and a dividend increase, boosting profitability.CBFVQ4 2025
- Adjusted net income was $3.9M as NIM rose and commercial lending expanded.CBFVQ3 2025
- Q2 2025 net income rose to $3.95M, with strong loan growth, margins, and a 4% dividend hike.CBFVQ2 2025
- Net income fell, but margin and capital strength support growth amid strategic shifts.CBFVQ1 2025
- Q4 2024 net income was $2.5M, with strong asset quality and ongoing strategic investments.CBFVQ4 2024
Next CB Financial Services earnings date
Q4 202629 Jan, 2027
CB Financial Services
Next CB Financial Services earnings date
Q4 202629 Jan, 2027
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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.