EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CNB Financial Services's Enterprise Value is $101.21 Mil.
CNB Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.65 Mil. Therefore, CNB Financial Services's EV-to-FCF for today is 17.91.
The historical rank and industry rank for CNB Financial Services's EV-to-FCF or its related term are showing as below:
CBFC'
s EV-to-FCF Range Over the Past 10 Years
Min: -0.75 Med: 7.53 Max: 59.5
Current: 17.91
During the past 13 years, the highest EV-to-FCF of CNB Financial Services was 59.50. The lowest was -0.75. And the median was 7.53.
CBFC's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.52
vs CBFC: 17.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CNB Financial Services's PE Ratio (TTM) for today is calculated as:
CNB Financial Services's share price for today is $50.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CNB Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $13.080.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, CNB Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's EV-to-FCF falls into.
CNB Financial Services's current Enterprise Value is $101.21 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CNB Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $5.65 Mil.
* 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 EV-to-FCF of 17.91 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CNB Financial Services and its competitors. This is 138% above median its historical median of 7.53.
Is CNB Financial Services' EV-to-FCF too high?
CNB Financial Services' current EV-to-FCF of 17.91 is 138% above median its 10-year median of 7.53. The Banks industry median EV-to-FCF is 6.52. CNB Financial Services' value of 17.91 is 174.7% 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' EV-to-FCF compare to GWBK and MKIN?
CNB Financial Services' EV-to-FCF of 17.91 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.52. CNB Financial Services' value of 17.91 is 174.7% above this benchmark. While the company's 10-year median is 7.53 vs. the industry median of 6.52, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current EV-to-FCF of 17.91 is 174.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current EV-to-FCF is 17.91, which is 138% above median its own 10-year median of 7.53. 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 EV-to-FCF of 17.91. 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 EV-to-FCF is 17.91, which is 138% above median its 10-year median of 7.53 and 174.7% above the Banks industry median of 6.52. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current EV-to-FCF is 17.91 as of Jun. 27, 2026. 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:
EV-to-FCF: 17.91 (138% above median its 10-year median of 7.53)
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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