Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, CNB Financial Services's average EPS without NRI Growth Rate was 23.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 10.90% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 9.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 9.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of CNB Financial Services was 14.20% per year. The lowest was -6.10% per year. And the median was 7.25% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
CNB Financial Services 3-Year EPS without NRI Growth Rate Related Terms
CBFC vs GWBK, MKIN, GOVB: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, CNB Financial Services's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's 3-Year EPS without NRI Growth Rate falls into.
CNB Financial Services 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 10.90% mean?
CNB Financial Services (CBFC) has a 3-Year EPS without NRI Growth Rate of 10.90% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for CNB Financial Services and its competitors. This is 50% above median its historical median of 7.25.
Is CNB Financial Services' 3-Year EPS without NRI Growth Rate too high?
CNB Financial Services' current 3-Year EPS without NRI Growth Rate of 10.90% is 50% above median its 10-year median of 7.25. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. CNB Financial Services' value of 10.90% is 45.3% 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' 3-Year EPS without NRI Growth Rate compare to GWBK and MKIN?
CNB Financial Services' 3-Year EPS without NRI Growth Rate of 10.90% can be compared against companies in the Banks industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. CNB Financial Services' value of 10.90% is 45.3% above this benchmark. While the company's 10-year median is 7.25 vs. the industry median of 7.50, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current 3-Year EPS without NRI Growth Rate of 10.90% is 45.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for CNB Financial Services and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current 3-Year EPS without NRI Growth Rate is 10.90%, which is 50% above median its own 10-year median of 7.25. 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 3-Year EPS without NRI Growth Rate of 10.90%. 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 3-Year EPS without NRI Growth Rate is 10.90%, which is 50% above median its 10-year median of 7.25 and 45.3% above the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current 3-Year EPS without NRI Growth Rate is 10.90% 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:
3-Year EPS without NRI Growth Rate: 10.90% (50% above median its 10-year median of 7.25)
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
Get the complete analysis for CBFC
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CBFC has been successfully added to your 
