CNB Financial Services

CBFC

Banks - Regional · Financial Services

Winston Score

–

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Winston Score History

The full picture

CNB Financial Services is a small regional bank holding company based in West Virginia. It offers everyday banking products like checking and savings accounts, loans, and mortgages to individuals and small businesses in its local communities. The company operates through its subsidiary bank and serves customers primarily in rural and small-town markets in the Mid-Atlantic region.

CNB makes money mainly from the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. It is a small community bank with a market cap under $100 million, meaning it competes on local relationships and personalized service rather than scale. The main risk the company faces is rising interest rates or a slowdown in loan demand, which can squeeze the gap between what it earns on loans and what it pays depositors, putting pressure on profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

YoY Growth Rate

Revenue data limited

EPS Growth

YoY Growth Rate

EPS data limited

Insider Activity

35.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$0 cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

10.5x

no trend

Attractive valuation — P/E 10.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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