CBFC (CNB Financial Services) Net Loan: $550.09 Mil (As of Dec. 2025)


CBFC CNB Financial Services Inc CBFC
65 GF Score
Price $50.00
GF Value $41.00
! 7 Warning Signs
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What is CNB Financial Services Net Loan?

CNB Financial Services CBFC 65 Net Loan is $550.09 Mil as of Dec. 2025. GuruFocus rates CBFC with a GF Score™ of 65/100 and a GF Value™ of $41.00. The stock has 7 warning signs investors should review.

CNB Financial Services's quarterly net loan increased from Dec. 2023 ($460.11 Mil) to Dec. 2024 ($498.91 Mil) and increased from Dec. 2024 ($498.91 Mil) to Dec. 2025 ($550.09 Mil).

CNB Financial Services's annual net loan increased from Dec. 2023 ($460.11 Mil) to Dec. 2024 ($498.91 Mil) and increased from Dec. 2024 ($498.91 Mil) to Dec. 2025 ($550.09 Mil).

CNB Financial Services Net Loan Historical Data

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The historical data trend for CNB Financial Services's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

CNB Financial Services Net Loan Chart

CNB Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 368.52 429.81 460.11 498.91 550.09

CNB Financial Services Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 368.52 429.81 460.11 498.91 550.09
CBFC
65GF Score
CNB Financial Services Inc CBFC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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CNB Financial Services Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $550.09 Mil mean?
CNB Financial Services (CBFC) has a Net Loan of $550.09 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on CNB Financial Services and its competitors.
Is CNB Financial Services' Net Loan too high?
CNB Financial Services' current Net Loan is $550.09 Mil. Overall, CNB Financial Services has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial Services' Net Loan compare to GWBK and MKIN?
CNB Financial Services' Net Loan of $550.09 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on CNB Financial Services and its competitors. CNB Financial Services's current Net Loan is $550.09 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial Services stock overvalued right now?
CNB Financial Services (CBFC) has a current Net Loan of $550.09 Mil. The stock's GF Value™ is $41.00, compared to a current price of $50.00 — trading 22% above its estimated fair value. The current Net Loan is $550.09 Mil. CNB Financial Services' overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Net Loan is $550.09 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is CNB Financial Services (CBFC) Overvalued in 2026?

Based on GuruFocus' analysis, CNB Financial Services stock appears to be overvalued. The current stock price of $50.00 is trading 22% above its estimated GF Value™ of $41.00.

Key valuation signals for CBFC:

  • Net Loan: $550.09 Mil
  • GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the CBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CNB Financial Services Business Description

Address 101 S. Washington Street, Berkeley Springs, WV, USA, 25411
CNB Financial Services Inc operates as the bank holding company for CNB Bank, Inc, which is a full-service commercial bank conducting general banking and trust activities through various full-service offices and automated teller machines located in Morgan and Berkeley Counties, West Virginia, and Washington County, Maryland, among others. The sources of revenue for the Bank are interest income from loans and investments, and non-interest income. The company has the following portfolios: Construction, land, and Residential properties, Non-farm nonresidential properties, Commercial and industrial loans, Consumer loans, and Leases.
65GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.00
Price
$41.00
GF Value