The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, CNB Financial Services's share price is $50.00.
CNB Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $65.16. Hence, CNB Financial Services's PS Ratio for today is 0.77.
Warning Sign:
CNB Financial Services Inc stock PS Ratio (=0.77) is close to 2-year high of 0.81.
The historical rank and industry rank for CNB Financial Services's PS Ratio or its related term are showing as below:
CBFC'
s PS Ratio Range Over the Past 10 Years
Min: 0.57 Med: 1.11 Max: 1.65
Current: 0.77
During the past 13 years, CNB Financial Services's highest PS Ratio was 1.65. The lowest was 0.57. And the median was 1.11.
CBFC's PS Ratio is not ranked
in the Banks industry.
Industry Median: 2.98
vs CBFC: 0.77
CNB Financial Services Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of CNB Financial Services was 17.40% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 5.60% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 4.70% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 8.10% per year.
During the past 13 years, CNB Financial Services's highest 3-Year average Revenue per Share Growth Rate was 12.80% per year. The lowest was 0.40% per year. And the median was 7.40% per year.
Back to Basics: PS Ratio
CNB Financial Services (OTCPK:CBFC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
CNB Financial Services's Share Price of today is $50.00.
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 $65.16.
* 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.
It can also be calculated from the numbers for the whole company:
CNB Financial Services (CBFC) has a PS Ratio of 0.77 as of Jun. 28, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on CNB Financial Services and its competitors. This is 31% below median its historical median of 1.11. Over the past decade, CNB Financial Services' PS Ratio has ranged from 0.57 to 1.65.
Is CNB Financial Services' PS Ratio too high?
CNB Financial Services' current PS Ratio of 0.77 is 31% below median its 10-year median of 1.11. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.65. The Banks industry median PS Ratio is 2.98. CNB Financial Services' value of 0.77 is 74.2% 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' PS Ratio compare to GWBK and MKIN?
CNB Financial Services' PS Ratio of 0.77 can be compared against companies in the Banks industry. The industry median PS Ratio is 2.98. CNB Financial Services' value of 0.77 is 74.2% below this benchmark. Historically, CNB Financial Services' own PS Ratio has ranged from 0.57 to 1.65 over the past decade. While the company's 10-year median is 1.11 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current PS Ratio of 0.77 is 74.2% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current PS Ratio is 0.77, which is 31% below median its own 10-year median of 1.11. 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 PS Ratio of 0.77. 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 PS Ratio is 0.77, which is 31% below median its 10-year median of 1.11 and 74.2% below the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current PS Ratio is 0.77 as of Jun. 28, 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:
PS Ratio: 0.77 (31% below median its 10-year median of 1.11)
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
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