CBFC (CNB Financial Services) Total Payout Ratio: 0.20 (As of Jul. 18, 2026)

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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 Total Payout Ratio?

CNB Financial Services CBFC 65 Total Payout Ratio is 0.20 as of Jul. 18, 2026. 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.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

CNB Financial Services's current Total Payout Ratio is 0.20.

CNB Financial Services Total Payout Ratio Related Terms

CNB Financial Services Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for CNB Financial Services's Total Payout Ratio 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.

CNB Financial Services Total Payout Ratio Chart

CNB Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.51 0.20 0.22 0.24 0.20

CNB Financial Services Semi-Annual Data
Dec05 Dec06 Dec07 Dec08 Dec09 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.51 0.20 0.22 0.24 0.20

CBFC vs GWBK, MKIN, GOVB: Total Payout Ratio Comparison

For the Banks - Regional subindustry, CNB Financial Services's Total Payout Ratio, along with its competitors' market caps and Total Payout 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 Total Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, CNB Financial Services's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where CNB Financial Services's Total Payout Ratio falls into.


CBFC
65GF Score
CNB Financial Services Inc CBFC
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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CNB Financial Services Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

CNB Financial Services's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.002 + 0 + -1.017) / 5.111
=0.20

CNB Financial Services's Total Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.002 + 0 + -1.017) / 5.111
=0.20

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.20 mean?
CNB Financial Services (CBFC) has a Total Payout Ratio of 0.20 as of Jul. 18, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on CNB Financial Services and its competitors.
Is CNB Financial Services' Total Payout Ratio too high?
CNB Financial Services' current Total Payout Ratio is 0.20. 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' Total Payout Ratio compare to GWBK and MKIN?
CNB Financial Services' Total Payout Ratio of 0.20 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on CNB Financial Services and its competitors. CNB Financial Services's current Total Payout Ratio is 0.20. 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 Total Payout Ratio of 0.20. 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 Total Payout Ratio is 0.20. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For CNB Financial Services (CBFC), the current Total Payout Ratio is 0.20 as of Jul. 18, 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:

  • Total Payout Ratio: 0.20
  • 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

Get the complete analysis for CBFC

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

$50.00
Price
$41.00
GF Value