Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. CNB Financial Services's annualizedNet Income for the quarter that ended in Dec. 2025 was $5.11 Mil. CNB Financial Services's average total tangible assets for the quarter that ended in Dec. 2025 was $712.55 Mil. Therefore, CNB Financial Services's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.72%.
The historical rank and industry rank for CNB Financial Services's Return-on-Tangible-Asset or its related term are showing as below:
CBFC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.57 Med: 0.68 Max: 0.76
Current: 0.72
During the past 13 years, CNB Financial Services's highest Return-on-Tangible-Asset was 0.76%. The lowest was 0.57%. And the median was 0.68%.
CBFC's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 0.99
vs CBFC: 0.72
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
CNB Financial Services Return-on-Tangible-Asset Related Terms
CNB Financial Services Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for CNB Financial Services's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, CNB Financial Services's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.72% mean?
CNB Financial Services (CBFC) has a Return-on-Tangible-Asset of 0.72% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on CNB Financial Services and its competitors. This is near median its historical median of 0.68. Over the past decade, CNB Financial Services' Return-on-Tangible-Asset has ranged from 0.57 to 0.76.
Is CNB Financial Services' Return-on-Tangible-Asset too high?
CNB Financial Services' current Return-on-Tangible-Asset of 0.72% is near median its 10-year median of 0.68. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 0.76. The Banks industry median Return-on-Tangible-Asset is 0.99. CNB Financial Services' value of 0.72% is 27.3% 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' Return-on-Tangible-Asset compare to GWBK and MKIN?
CNB Financial Services' Return-on-Tangible-Asset of 0.72% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 0.99. CNB Financial Services' value of 0.72% is 27.3% below this benchmark. Historically, CNB Financial Services' own Return-on-Tangible-Asset has ranged from 0.57 to 0.76 over the past decade. While the company's 10-year median is 0.68 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB Financial Services's current Return-on-Tangible-Asset of 0.72% is 27.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current Return-on-Tangible-Asset is 0.72%, which is near median its own 10-year median of 0.68. 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 Return-on-Tangible-Asset of 0.72%. 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 Return-on-Tangible-Asset is 0.72%, which is near median its 10-year median of 0.68 and 27.3% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Return-on-Tangible-Asset is 0.72% 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:
Return-on-Tangible-Asset: 0.72% (near median its 10-year median of 0.68)
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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