CBFC (CNB Financial Services) FCF Yield %: 29.75 (As of Jun. 27, 2026) — 44% Above Median


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 FCF Yield %?

CNB Financial Services CBFC 65 FCF Yield % is 29.75 as of Jun. 27, 2026, which is 44% above its 10-year median of 20.61. 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.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, CNB Financial Services's Trailing 12-Month Free Cash Flow is $5.65 Mil, and Market Cap is $18.99 Mil. Therefore, CNB Financial Services's FCF Yield % for today is 29.75%.

The historical rank and industry rank for CNB Financial Services's FCF Yield % or its related term are showing as below:

CBFC' s FCF Yield % Range Over the Past 10 Years
Min: 1.88   Med: 20.61   Max: 51.75
Current: 29.75


During the past 13 years, the highest FCF Yield % of CNB Financial Services was 51.75%. The lowest was 1.88%. And the median was 20.61%.

CBFC's FCF Yield % is not ranked
in the Banks industry.
Industry Median: 8.2 vs CBFC: 29.75

CNB Financial Services's FCF Margin % for the quarter that ended in Dec. 2025 was 22.18%.


CNB Financial Services FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


CNB Financial Services FCF Yield % Related Terms


CNB Financial Services FCF Yield % Historical Data

* Premium members only.

The historical data trend for CNB Financial Services's FCF Yield % 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 FCF Yield % Chart

CNB Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 48.29 21.21 13.70 37.69 33.04

CNB Financial Services Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield % 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 48.29 21.21 13.70 37.69 33.04

CBFC vs GWBK, MKIN, GOVB: FCF Yield % Comparison

For the Banks - Regional subindustry, CNB Financial Services's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, CNB Financial Services's FCF Yield % distribution charts can be found below:

* The bar in red indicates where CNB Financial Services's FCF Yield % falls into.


CBFC
65GF Score
CNB Financial Services Inc CBFC
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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CNB Financial Services FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

CNB Financial Services's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=5.65 / 17.1
=33.04%

CNB Financial Services's annualized FCF Yield % for the quarter that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=5.65 * 1 / 17.1
=33.04%

* 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.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of 29.75 mean?
CNB Financial Services (CBFC) has a FCF Yield % of 29.75 as of Jun. 27, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on CNB Financial Services and its competitors. This is 44% above median its historical median of 20.61. Over the past decade, CNB Financial Services' FCF Yield % has ranged from 1.88 to 51.75.
Is CNB Financial Services' FCF Yield % too high?
CNB Financial Services' current FCF Yield % of 29.75 is 44% above median its 10-year median of 20.61. Over the past 10 years, this metric has ranged from a low of 1.88 to a high of 51.75. The Banks industry median FCF Yield % is 8.20. CNB Financial Services' value of 29.75 is 262.8% 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' FCF Yield % compare to GWBK and MKIN?
CNB Financial Services' FCF Yield % of 29.75 can be compared against companies in the Banks industry. The industry median FCF Yield % is 8.20. CNB Financial Services' value of 29.75 is 262.8% above this benchmark. Historically, CNB Financial Services' own FCF Yield % has ranged from 1.88 to 51.75 over the past decade. While the company's 10-year median is 20.61 vs. the industry median of 8.20, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current FCF Yield % of 29.75 is 262.8% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current FCF Yield % is 29.75, which is 44% above median its own 10-year median of 20.61. 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 FCF Yield % of 29.75. 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 FCF Yield % is 29.75, which is 44% above median its 10-year median of 20.61 and 262.8% above the Banks industry median of 8.20. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current FCF Yield % is 29.75 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:

  • FCF Yield %: 29.75 (44% above median its 10-year median of 20.61)
  • GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
  • GF Score™: 65/100 with 7 warning signs
  • Industry Position: 262.8% above the Banks median

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

$50.00
Price
$41.00
GF Value