For the year ending 2025-12-31, CBFV had -$17,879K decrease in cash & cash equivalents over the period. $17,157K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 4,903 |
| Net accretion on securities | 373 |
| Depreciation and amortization | 1,810 |
| Provision (recovery) for credit losses - loans-Loans | 534 |
| Provision (recovery) for credit losses - loans-Unfunded Loan Commitment | 55 |
| Net loss on sale of debt securities | -11,757 |
| Net loss on equity securities | -13 |
| Net unrealized loss (gain) recognized on equity securities | -37 |
| Gain on sale of subsidiary | 0 |
| Gain on purchased tax credits | 14 |
| Income from bank-owned life insurance | 603 |
| Gain on boli death benefit claims | 0 |
| Proceeds from mortgage loans sold | 5,481 |
| Originations of mortgage loans for sale | 4,880 |
| Net gain on sale of loans | 105 |
| Loss (gain) on sales of other real estate owned | -51 |
| Noncash expense for stock-based compensation | 796 |
| Increase in accrued interest receivable | 788 |
| Net gain on disposal of premises and equipment | 40 |
| (benefit) provision in deferred income tax | 65 |
| Decrease in taxes payable | -2,034 |
| (decrease) increase in accrued interest payable | -475 |
| Other, net | -1,747 |
| Net cash provided by operating activities | 17,807 |
| Proceeds from principal repayments and maturities | 38,017 |
| Purchases of securities | 169,140 |
| Proceeds from sales of debt securities | 117,833 |
| Proceeds from sale of equity securities | 1,680 |
| Net (increase) decrease in loans | 69,611 |
| Purchase of premises and equipment | 650 |
| Proceeds from disposal of premises and equipment | 41 |
| Proceeds from a claim on bank-owned life insurance | 0 |
| Investment in low income housing tax credit | 957 |
| Proceeds from sales of other real estate owned | 107 |
| Purchase of restricted equity securities | 8,083 |
| Redemption of restricted equity securities | -8,152 |
| Net cash used in investing activities | -82,611 |
| Net increase in deposits | 56,288 |
| Principal payments on other borrowed funds | 20,000 |
| Proceeds from other borrowed funds | 20,000 |
| Cash dividends paid | 5,134 |
| Treasury stock, purchases at cost | 6,840 |
| Exercise of stock options | 2,611 |
| Net cash provided by financing activities | 46,925 |
| Decrease in cash and due from banks | -17,879 |
| Cash and due from banks at beginning of the year | 49,572 |
| Cash and due from banks at end of the year | 31,693 |
CB Financial Services, Inc. (CBFV)
CB Financial Services, Inc. (CBFV)