CNB Financial Services (CBFC) Stock Analysis & Winston Score

CNB Financial Services is a small regional bank holding company based in West Virginia. It offers everyday banking products like checking and savings accounts, loans, and mortgages to individuals and small businesses in its local communities. The company operates through its subsidiary bank and serves customers primarily in rural and small-town markets in the Mid-Atlantic region.

CNB makes money mainly from the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. It is a small community bank with a market cap under $100 million, meaning it competes on local relationships and personalized service rather than scale. The main risk the company faces is rising interest rates or a slowdown in loan demand, which can squeeze the gap between what it earns on loans and what it pays depositors, putting pressure on profitability.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+2.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-19.5% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

35.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$15,925 cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

CNB Financial Services is growing revenue at 2% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.5% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 393K (2021) → 391K (2025)

Score breakdown

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

18.2%

Healthy — 18.2% operating margin

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+5.9%

Slow sales growth (5.9% YoY)

EPS YoY

+80.7%

Earnings growing fast (80.7% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

0.29

Conservative — low debt load (0.29)

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

11.6x

Attractive valuation — P/E 11.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

6.60%

Healthy income — 6.60% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

-0.8%

Dividend cut (-0.8% YoY) — warning sign

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