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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CNB Financial Services's Debt-to-Equity or its related term are showing as below:
CBFC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3 Med: 0.48 Max: 1.93
Current: 1.93
During the past 13 years, the highest Debt-to-Equity Ratio of CNB Financial Services was 1.93. The lowest was 0.30. And the median was 0.48.
CBFC's Debt-to-Equity is not ranked
in the Banks industry.
Industry Median: 0.56
vs CBFC: 1.93
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CNB Financial Services Debt-to-Equity Related Terms
CNB Financial Services Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CNB Financial Services's Debt-to-Equity 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.
CBFC vs GWBK, MKIN, GOVB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, CNB Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNB Financial Services Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's Debt-to-Equity falls into.
* 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 (CBFC) has a Debt-to-Equity of 1.93 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CNB Financial Services and its competitors. This is 302% above median its historical median of 0.48. Over the past decade, CNB Financial Services' Debt-to-Equity has ranged from 0.30 to 1.93.
Is CNB Financial Services' Debt-to-Equity too high?
CNB Financial Services' current Debt-to-Equity of 1.93 is 302% above median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 1.93. The Banks industry median Debt-to-Equity is 0.56. CNB Financial Services' value of 1.93 is 244.6% above this industry median. 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' Debt-to-Equity compare to GWBK and MKIN?
CNB Financial Services' Debt-to-Equity of 1.93 can be compared against companies in the Banks industry. The industry median Debt-to-Equity is 0.56. CNB Financial Services' value of 1.93 is 244.6% above this benchmark. Historically, CNB Financial Services' own Debt-to-Equity has ranged from 0.30 to 1.93 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 0.56, CNB Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current Debt-to-Equity of 1.93 is 244.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current Debt-to-Equity is 1.93, which is 302% above median its own 10-year median of 0.48. 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 Debt-to-Equity of 1.93. 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 Debt-to-Equity is 1.93, which is 302% above median its 10-year median of 0.48 and 244.6% above the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Debt-to-Equity is 1.93 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:
Debt-to-Equity: 1.93 (302% above median its 10-year median of 0.48)
GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
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 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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