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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, primarily due to a $11.8 million loss on securities repositioning; adjusted net income was $3.9 million, flat sequentially and up year-over-year.
Net income for the nine months ended September 30, 2025 was $164,000, a decrease of $9.9 million year-over-year.
Net interest margin improved to 3.64% from 3.54% in Q2 2025 and 3.11% in Q3 2024, reflecting higher yields and lower funding costs.
Total assets grew 4.3% to $1.55 billion since December 31, 2024.
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% to $6.2 million, driven by lower deposit costs and balances.
Noninterest income showed a $10.7 million loss for Q3 2025, mainly due to the $11.8 million securities sale loss; excluding this, noninterest income increased 26.5% year-over-year.
Noninterest expense increased 4.6% to $9.2 million, with higher salaries, benefits, and professional fees offset by lower amortization and occupancy costs.
Book value per share rose to $30.50; tangible book value per share increased to $28.56 at September 30, 2025.
Outlook and guidance
Securities repositioning is expected to add 19 bps to net interest margin and $0.40 to annual EPS, with the $9.3 million loss expected to be recovered in 4.2 years.
Specialty Treasury Payments & Services program is nearing full deployment, anticipated to drive long-term revenue and deposit growth.
Management anticipates sufficient liquidity and strong capital to meet future obligations, with a focus on core deposit growth and commercial lending.
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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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