---
schema_version: "secwatch.filing_event.v1"
accession: "0001605301-23-000040"
form_type: "8-K"
ticker: "CBFV"
cik: "0001605301"
company_name: "CB Financial Services, Inc."
filed_at: "2023-10-27T23:59:59+00:00"
generated_at: "2026-06-09T07:01:43.860537+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CB Financial Q3 net income down to $2.7M from $3.9M; EPS $0.52; dividend $0.25

## Summary
- Net income $2.7M vs $3.9M YoY; diluted EPS $0.52 vs $0.77; PPNR (non-GAAP) $3.5M vs $4.9M.
- Net interest margin compressed to 3.13% from 3.29%; net interest income $10.7M vs $11.0M.
- Total loans grew 5.0% to $1.10B, led by C&I and CRE; consumer loans declined 16.6%.
- Board declared $0.25 quarterly dividend, payable Nov 30 to holders of record Nov 15.
- Nonperforming loans to total loans improved to 0.30% from 0.55% at Dec 31, 2022.

## SEC filing metadata
- accession: 0001605301-23-000040
- form_type: 8-K
- ticker: CBFV
- cik: 0001605301
- company_name: CB Financial Services, Inc.
- filed_at: 2023-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1605301/000160530123000040/0001605301-23-000040-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1605301/000160530123000040/cbfv-20231027.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001605301-23-000040
- JSON: https://secwatch.observer/filing/0001605301-23-000040.json
- Plain text: https://secwatch.observer/filing/0001605301-23-000040.txt

## Key facts
- Earnings Releases
  CB Financial Services, Inc. reported three and nine months ended September 30, 2023 results: net income $2.7 million, EPS $0.52.
  - Period: three and nine months ended September 30, 2023
  - Net income: $2.7 million
  - EPS: $0.52
  - Result: reported results
  source text: CB Financial Services, Inc. (the "Company") issued a press release announcing its financial results for the three and nine months ended September 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/1605301/000160530123000040/0001605301-23-000040-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.