Monitor NIM trajectory as the elevated cash balance from deposit growth pressured margin in Q2; if the company can deploy excess cash into higher-yielding loans, NIM could stabilize. Expense growth of 18.8% YoY warrants attention relative to revenue growth. The Specialty Treasury program's continued deposit accretion is a positive catalyst.
Price Chart
Executive Summary
CB Financial Services reported Q2 2026 adjusted EPS of $0.81, beating the $0.75 consensus by 8%, driven by 15.9% YoY net interest income growth to $14.5M. Total revenue rose 15.1% YoY to $15.5M. NIM contracted 15bp QoQ to 3.68% due to elevated cash and modest deposit cost increases, but remains well above the prior year's 3.54%. The company also declared a $0.28 quarterly dividend, unchanged from Q1. The Specialty Treasury program generated $84.1M in new deposits year-to-date, supporting organic deposit growth of 8.5% since December 2025.
Key Financial Metrics
Key Facts
- Adjusted EPS $0.81 vs $0.75 consensus (beat by 8%)
- GAAP EPS $0.80 vs $0.74 in Q2 2025 (up 8.1%)
- Net interest income $14.5M, up 15.9% YoY
- Total revenue $15.5M, up 15.1% YoY
- NIM (GAAP) 3.68% vs 3.54% a year ago, but down from 3.83% in Q1 2026
- Organic deposits $1.35B, up 5.4% QoQ and 8.5% YTD
- Nonperforming loans to total loans 0.29%, stable
- Quarterly dividend $0.28 per share, maintained
Financial Impact
EPS beat of 8% vs consensus; revenue growth 15% YoY; NIM decline of 15bp QoQ partially offset by strong deposit growth
Risk Factors
- NIM compression from higher cash balances and rising deposit costs as Fed rate expectations shift
- Noninterest expense growth (18.8% YoY) outpacing revenue growth (15.1% YoY), pressuring efficiency
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001605301-26-000028 |
| Document: a20260630cbfvinvestorpre.htm | 0001605301-26-000028 |
| Document: cbfv-20260727.htm | 0001605301-26-000028 |
| Document: 0001605301-26-000028-index-headers.html | 0001605301-26-000028 |
| Document: 0001605301-26-000028-index.html | 0001605301-26-000028 |
| Document: 0001605301-26-000028.txt | 0001605301-26-000028 |
| 8-K Data (Synthetic) | 0001605301-26-000028 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 today | 8-K | $39.15 | awaiting T+60 | — | $39.15 (+0.00%) |
Sep 16, 2026 5w ago | 8-K | $37.24 | awaiting T+60 | — | $39.15 (+5.13%) |
Jul 27, 2026 13w ago | 8-K | $37.25 $37.60 | ▲ +0.94% | ▼ −3.41% | $39.15 (+5.10%) |
May 11, 2026 24w ago | 8-K | $35.04 $37.26 | ▼ −6.34% | ▼ −1.95% | $39.15 (−11.73%) |
Apr 22, 2026 26w ago | 8-K | $35.12 $35.81 | ▲ +1.96% | ▼ −3.05% | $39.15 (+11.47%) |
Apr 9, 2026 28w ago | DEFA14A | $36.28 $38.05 | ▲ +4.88% | ▼ −5.90% | $39.15 (+7.91%) |
US Market Status
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