Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. CNB Financial Services's annualized net income for the quarter that ended in Dec. 2025 was $5.11 Mil. CNB Financial Services's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $44.38 Mil. Therefore, CNB Financial Services's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 11.52%.
The historical rank and industry rank for CNB Financial Services's Return-on-Tangible-Equity or its related term are showing as below:
CBFC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.05 Med: 8.77 Max: 11.52
Current: 11.52
During the past 13 years, CNB Financial Services's highest Return-on-Tangible-Equity was 11.52%. The lowest was 7.05%. And the median was 8.77%.
CBFC's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.2
vs CBFC: 11.52
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
CNB Financial Services Return-on-Tangible-Equity Related Terms
CNB Financial Services Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for CNB Financial Services's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Regional subindustry, CNB Financial Services's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CNB Financial Services's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.52% mean?
CNB Financial Services (CBFC) has a Return-on-Tangible-Equity of 11.52% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CNB Financial Services and its competitors. This is 31% above median its historical median of 8.77. Over the past decade, CNB Financial Services' Return-on-Tangible-Equity has ranged from 7.05 to 11.52.
Is CNB Financial Services' Return-on-Tangible-Equity too high?
CNB Financial Services' current Return-on-Tangible-Equity of 11.52% is 31% above median its 10-year median of 8.77. Over the past 10 years, this metric has ranged from a low of 7.05 to a high of 11.52. The Banks industry median Return-on-Tangible-Equity is 11.20. CNB Financial Services' value of 11.52% is 2.9% 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' Return-on-Tangible-Equity compare to GWBK and MKIN?
CNB Financial Services' Return-on-Tangible-Equity of 11.52% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.20. CNB Financial Services' value of 11.52% is 2.9% above this benchmark. Historically, CNB Financial Services' own Return-on-Tangible-Equity has ranged from 7.05 to 11.52 over the past decade. While the company's 10-year median is 8.77 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 11.52% is 2.9% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 11.52%, which is 31% above median its own 10-year median of 8.77. 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-Equity of 11.52%. 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-Equity is 11.52%, which is 31% above median its 10-year median of 8.77 and 2.9% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Return-on-Tangible-Equity is 11.52% 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-Equity: 11.52% (31% above median its 10-year median of 8.77)
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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