The historical rank and industry rank for CNB Financial Services's Net Margin % or its related term are showing as below:
CBFC'
s Net Margin % Range Over the Past 10 Years
Min: 14.9 Med: 16.55 Max: 20.06
Current: 20.06
CBFC's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.95
vs CBFC: 20.06
CNB Financial Services (OTCPK:CBFC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CNB Financial Services Net Margin % Related Terms
CNB Financial Services Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's Net Margin % 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 Net Margin % of 20.06% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on CNB Financial Services and its competitors. This is 21% above median its historical median of 16.55. Over the past decade, CNB Financial Services' Net Margin % has ranged from 14.90 to 20.06.
Is CNB Financial Services' Net Margin % too high?
CNB Financial Services' current Net Margin % of 20.06% is 21% above median its 10-year median of 16.55. Over the past 10 years, this metric has ranged from a low of 14.90 to a high of 20.06. The Banks industry median Net Margin % is 26.95. CNB Financial Services' value of 20.06% is 25.6% below 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' Net Margin % compare to GWBK and MKIN?
CNB Financial Services' Net Margin % of 20.06% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.95. CNB Financial Services' value of 20.06% is 25.6% below this benchmark. Historically, CNB Financial Services' own Net Margin % has ranged from 14.90 to 20.06 over the past decade. While the company's 10-year median is 16.55 vs. the industry median of 26.95, CNB Financial Services has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current Net Margin % of 20.06% is 25.6% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current Net Margin % is 20.06%, which is 21% above median its own 10-year median of 16.55. 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 Net Margin % of 20.06%. 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 Net Margin % is 20.06%, which is 21% above median its 10-year median of 16.55 and 25.6% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Net Margin % is 20.06% 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:
Net Margin %: 20.06% (21% above median its 10-year median of 16.55)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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