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CB Financial Services (CBFV) investor relations material
CB Financial Services Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 rose to $3.95 million, up from $2.65 million in Q2 2024 and $1.91 million in Q1 2025, reflecting strong loan growth and improved net interest margin.
Six-month net income was $5.9 million, down $989,000 from the prior year due to lower noninterest income and higher noninterest expense.
Total assets reached $1.52 billion at June 30, 2025, up 2.5% since December 2024, driven by commercial loan growth and core deposit funding.
Quarterly cash dividend increased by 4% to $0.26 per share, payable August 29, 2025.
Financial highlights
Net interest and dividend income for Q2 2025 increased 9.3% year-over-year to $12.5 million; net interest margin rose to 3.54%.
Interest expense decreased 16.7% to $6.2 million, mainly due to lower deposit costs and a favorable deposit mix.
Noninterest expense for Q2 2025 decreased 2.6% year-over-year to $8.7 million, with savings from operational changes and lower amortization.
Book value per share increased to $29.84; tangible book value per share rose to $27.88 at June 30, 2025.
Adjusted EPS (diluted) for Q2 2025 was $0.74, up from $0.52 in Q2 2024.
Outlook and guidance
Management expects continued focus on core deposit growth, commercial lending, and cost control, with steady loan demand and margin strength anticipated through year-end 2025.
Specialty Treasury Payments & Services program expected to be fully operational by late 2025, with near-term cost impact but long-term revenue growth potential.
Liquidity remains strong with $64.5 million in cash and $100.9 million in unpledged securities; ample borrowing capacity is available.
The company is well capitalized and anticipates sufficient funds to meet current and future obligations.
Positive outlook for achieving meaningful revenue growth by year-end, supported by strategic initiatives.
Explain the treasury services build-out.
Discuss the brokered CDs replacement plan.
What drove the increase in legal fees?
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Next CB Financial Services earnings date
Q3 202531 Oct, 2025
Next CB Financial Services earnings date
Q3 202531 Oct, 2025
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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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