CB Financial Services vs Pathfinder Bancorp
CB Financial Services and Pathfinder Bancorp are similar in size: $43.5m and $46.8m of revenue in their latest fiscal years. Pathfinder Bancorp grew faster (-7.4% against -15.5%). CB Financial Services kept more of each dollar of sales as profit: a net margin of 11.3% against -4.1%.
| Latest fiscal year | CB Financial ServicesCBFV, 2025 | Pathfinder BancorpPBHC, 2025 |
|---|---|---|
| Revenue | $43.5m | $46.8m |
| Revenue growth | -15.5% | -7.4% |
| Net income | $4.9m | −$1.9m |
| Operating margin | — | — |
| Net margin | 11.3% | -4.1% |
| Return on equity | 3.2% | -1.6% |
| Free cash flow | $17.2m | $10.4m |
| Cash | $31.7m | $31.2m |
| Total debt | $0 | $58.1m |
| Debt to equity | — | — |
| Dividend per share | $1.02 | — |
| Dividend yield | 2.7% | 2.4% |
| Share buybacks | $6.8m | — |
| Employees | — | 187 |
| Market value | $205m | $81.7m |
| Price vs our value range | — | — |
| Moat score | 50 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 1 buys, 19 sales | 5 buys, 0 sales |