CBFC (CNB Financial Services) ROC %: % (As of Dec. 2025)


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 ROC %?

CNB Financial Services CBFC 65 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

CBFC
65GF Score
CNB Financial Services Inc CBFC
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
CNB Financial Services (CBFC) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on CNB Financial Services and its competitors.
Is CNB Financial Services' ROC % too high?
CNB Financial Services' current ROC % is %. 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' ROC % compare to GWBK and MKIN?
CNB Financial Services' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on CNB Financial Services and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current ROC % is %. 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 ROC % of %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current ROC % is % 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:

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

$50.00
Price
$41.00
GF Value