CBFC (CNB Financial Services) GF Value Rank: 5 (As of Jul. 07, 2026) — 38% Below 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 GF Value Rank?

CNB Financial Services CBFC 65 GF Value Rank is 5 as of Jul. 07, 2026, which is 38% below its 10-year median of 8.00. 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.

CNB Financial Services has the GF Value Rank of 5.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

CNB Financial Services GF Value Rank Related Terms

CBFC vs GWBK, MKIN, GOVB: GF Value Rank Comparison

For the Banks - Regional subindustry, CNB Financial Services's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, CNB Financial Services's GF Value Rank distribution charts can be found below:

* The bar in red indicates where CNB Financial Services's GF Value Rank falls into.


CBFC
65GF Score
CNB Financial Services Inc CBFC
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 5 mean?
CNB Financial Services (CBFC) has a GF Value Rank of 5 as of Jul. 07, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on CNB Financial Services and its competitors. This is 38% below median its historical median of 8.00. Over the past decade, CNB Financial Services' GF Value Rank has ranged from 5.00 to 10.00.
Is CNB Financial Services' GF Value Rank too high?
CNB Financial Services' current GF Value Rank of 5 is 38% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. 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' GF Value Rank compare to GWBK and MKIN?
CNB Financial Services' GF Value Rank of 5 can be compared against companies in the Banks industry. Historically, CNB Financial Services' own GF Value Rank has ranged from 5.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on CNB Financial Services and its competitors. CNB Financial Services's current GF Value Rank is 5, which is 38% below median its own 10-year median of 8.00. 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 GF Value Rank of 5. 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 GF Value Rank is 5, which is 38% below median its 10-year median of 8.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current GF Value Rank is 5 as of Jul. 07, 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:

  • GF Value Rank: 5 (38% below median its 10-year median of 8.00)
  • GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
  • GF Score™: 65/100 with 7 warning signs

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

$50.00
Price
$41.00
GF Value