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CB Financial Services (CBFV) investor relations material
CB Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Reported a GAAP net loss of $5.7 million for Q3 2025, driven by a $9.3 million after-tax loss from a securities repositioning strategy; adjusted net income was $3.9 million, flat sequentially and up year-over-year.
Net interest margin (NIM) improved to 3.64% from 3.54% in Q2 2025 and 3.11% in Q3 2024, reflecting higher yields on earning assets and lower funding costs.
Board declared a $0.26 per share quarterly dividend, payable November 28, 2025.
Financial highlights
Net interest and dividend income rose 14.2% year-over-year to $13.1 million for Q3 2025.
Interest expense declined 24.8% year-over-year, mainly due to lower deposit costs and a favorable deposit mix.
Noninterest income showed a loss of $10.7 million due to $11.8 million in securities sale losses; excluding these, noninterest income increased 26.5% year-over-year.
Noninterest expense increased 4.6% year-over-year, primarily from higher salaries, benefits, and professional fees.
Book value per share rose to $30.50, and tangible book value per share to $28.56 at September 30, 2025.
Outlook and guidance
Securities repositioning is expected to add 19 basis points to NIM and $0.40 to annual EPS.
Specialty Treasury Payments & Services program is nearing full deployment, anticipated to drive long-term revenue and deposit growth.
Management expects continued focus on core deposit growth and commercial lending to support sustainable earnings.
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Next CB Financial Services earnings date
Q4 202528 Jan, 2026
Next CB Financial Services earnings date
Q4 202528 Jan, 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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