This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for CNB Financial Services's Median PS Value or its related term are showing as below:
CBFC'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44 Med: 0.66 Max: 0.91
Current: 0.65
During the past 13 years, the highest Price to Median PS Value of CNB Financial Services was 0.91. The lowest was 0.44. And the median was 0.66.
CBFC's Price-to-Median-PS-Value is not ranked
in the Banks industry.
Industry Median: 1.11
vs CBFC: 0.65
CNB Financial Services (OTCPK:CBFC) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
CNB Financial Services's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
50.00
/
77.24
=
0.65
* 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 Median PS Value Related Terms
CNB Financial Services Median PS Value Historical Data
* Premium members only.
The historical data trend for CNB Financial Services's Median PS Value 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: Median PS Value Comparison
For the Banks - Regional subindustry, CNB Financial Services's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 1.1854.
For company reported annually, GuruFocus uses latest annual data as the TTM data. CNB Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $65.161.
* 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 Median PS Value of $77.24 as of Jun. 27, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on CNB Financial Services and its competitors. This is 11603% above median its historical median of 0.66. Over the past decade, CNB Financial Services' Median PS Value has ranged from 0.44 to 0.91.
Is CNB Financial Services' Median PS Value too high?
CNB Financial Services' current Median PS Value of $77.24 is 11603% above median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 0.91. The Banks industry median Median PS Value is 1.11. CNB Financial Services' value of $77.24 is 6858.6% 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' Median PS Value compare to GWBK and MKIN?
CNB Financial Services' Median PS Value of $77.24 can be compared against companies in the Banks industry. The industry median Median PS Value is 1.11. CNB Financial Services' value of $77.24 is 6858.6% above this benchmark. Historically, CNB Financial Services' own Median PS Value has ranged from 0.44 to 0.91 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 1.11, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current Median PS Value of $77.24 is 6858.6% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on CNB Financial Services and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current Median PS Value is $77.24, which is 11603% above median its own 10-year median of 0.66. 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 Median PS Value of $77.24. 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 Median PS Value is $77.24, which is 11603% above median its 10-year median of 0.66 and 6858.6% above the Banks industry median of 1.11. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Median PS Value is $77.24 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:
Median PS Value: $77.24 (11603% above median its 10-year median of 0.66)
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
Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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