CB Financial Services, Inc. (CBFV)

CB Financial Services Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	2.69	12.59	22.55	11.25	11.57	-10.64
Depreciation & Amortization	1.8	2.43	2.74	2.7	2.44	3.34
Provision for Credit Losses	0.91	0.57	-0.5	3.78	-1.13	4
Stock-Based Compensation	0.83	0.81	1.13	0.6	0.57	0.5
Net Change in Loans Held-for-Sale	0.02	-0.85	0	-	0.32	1.39
Other Adjustments	13.41	-2.52	-14.48	-0.28	-4.07	16.93
Changes in Accrued Interest and Accounts Receivable	-0.09	-0.5	-1.1	-0.63	0.52	-0.58
Changes in Accounts Payable	-1.21	0.68	1.46	-0.13	-0.28	-0.22
Changes in Accrued Expenses	-0.04	-3.9	3.99	-0.01	1.89	-0.86
Changes in Other Operating Activities	0.2	-2.56	-1.54	-3.13	1.23	0.22
Operating Cash Flow	14.37	6.75	14.24	14.15	13.06	14.08
Operating Cash Flow Growth	730.10%	-52.59%	0.60%	8.39%	-7.26%	-21.23%
Net Change in Loans Held-for-Investment	-79.41	17.58	-63.52	-31.39	12.74	-89.59
Net Change in Securities and Investments	-24.37	-54.87	-15.17	2.42	-72.24	53.15
Proceeds from Business Divestments	-	-	26.92	-	-	-
Capital Expenditures	-0.73	-3.32	-3.29	-0.51	-2.39	-0.32
Sale of Property, Plant & Equipment	-	0.99	0.05	0.48	0.85	0.03
Other Investing Activities	1.37	3.23	0.28	0.69	0.91	-0.16
Investing Cash Flow	-76.3	-36.39	-54.73	-28.31	-60.14	-36.9
Net Change in Deposits	-19.4	16.36	-1.34	41.89	7.25	106.21
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-8.06	-31.21	-1.79	10.48
Long-Term Debt Issued	10	-	20	-	14.6	-
Long-Term Debt Repaid	-10	-	-	-3	-5	-6
Net Long-Term Debt Issued (Repaid)	-	-	20	-3	9.6	-6
Issuance of Common Stock	2.47	0.72	0.37	0.22	0.1	-0.08
Repurchase of Common Stock	-7.46	-0.97	-0.84	-4.8	-4.14	-1.92
Net Common Stock Issued (Repurchased)	-4.99	-0.24	-0.47	-4.58	-4.05	-2
Common Dividends Paid	-5.11	-5.13	-5.11	-4.92	-5.17	-5.18
Financing Cash Flow	-29.5	10.98	5.01	-1.82	5.85	103.51
Net Cash Flow	-91.44	-18.65	-35.48	-15.97	-41.24	80.69
Free Cash Flow	13.64	3.44	10.94	13.64	10.67	13.76
Free Cash Flow Growth	297.00%	-68.61%	-19.78%	27.85%	-22.43%	-22.82%
FCF Margin	34.65%	6.81%	15.73%	30.19%	18.18%	31.71%
Free Cash Flow Per Share	2.52	0.65	2.14	2.65	1.98	2.54
Levered Free Cash Flow	2.62	5.42	44.8	6.54	24.58	-15.06
Unlevered Free Cash Flow	-0.07	-7.17	2.25	-1.71	3.41	1.58

Updated Nov 7, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q