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Side-by-side financial comparison of CB Financial Services, Inc. (CBFV) and JFB Construction Holdings (JFB). Click either name above to swap in a different company.
JFB Construction Holdings is the larger business by last-quarter revenue ($16.0M vs $13.8M, roughly 1.2× CB Financial Services, Inc.). CB Financial Services, Inc. produced more free cash flow last quarter ($17.2M vs $-9.1M).
CB Bank is one of Myanmar's largest commercial banks. It became the first bank in Myanmar to issue ATM cards and credit cards. The bank, led by U Khin Maung Aye (Chairman) and U Kyaw Thu Ko (CEO) has over 245 branches across the country.
CBFV vs JFB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.8M | $16.0M |
| Net Profit | — | $-1.9M |
| Gross Margin | — | 4.3% |
| Operating Margin | 38.1% | -12.7% |
| Net Margin | — | -11.7% |
| Revenue YoY | 19.9% | — |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.90 | $0.06 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $13.8M | $16.0M | ||
| Q3 25 | $2.4M | $5.0M | ||
| Q2 25 | $13.5M | $3.7M | ||
| Q1 25 | $12.1M | $5.9M | ||
| Q4 24 | $13.2M | — | ||
| Q3 24 | $12.7M | — | ||
| Q2 24 | $12.2M | — | ||
| Q1 24 | $13.5M | — |
| Q4 25 | — | $-1.9M | ||
| Q3 25 | $-5.7M | $-1.1M | ||
| Q2 25 | $3.9M | $-2.4M | ||
| Q1 25 | $1.9M | $30.3K | ||
| Q4 24 | — | — | ||
| Q3 24 | $3.2M | — | ||
| Q2 24 | $2.6M | — | ||
| Q1 24 | $4.2M | — |
| Q4 25 | — | 4.3% | ||
| Q3 25 | — | 14.9% | ||
| Q2 25 | — | 7.0% | ||
| Q1 25 | — | 24.8% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | 38.1% | -12.7% | ||
| Q3 25 | -289.8% | -22.6% | ||
| Q2 25 | 35.0% | -67.2% | ||
| Q1 25 | 19.3% | -0.5% | ||
| Q4 24 | 23.1% | — | ||
| Q3 24 | 31.2% | — | ||
| Q2 24 | 26.4% | — | ||
| Q1 24 | 37.9% | — |
| Q4 25 | — | -11.7% | ||
| Q3 25 | -235.2% | -21.3% | ||
| Q2 25 | 29.3% | -64.3% | ||
| Q1 25 | 15.8% | 0.5% | ||
| Q4 24 | — | — | ||
| Q3 24 | 25.3% | — | ||
| Q2 24 | 21.8% | — | ||
| Q1 24 | 31.1% | — |
| Q4 25 | $0.90 | $0.06 | ||
| Q3 25 | $-1.07 | $-0.11 | ||
| Q2 25 | $0.74 | $-0.26 | ||
| Q1 25 | $0.35 | $0.00 | ||
| Q4 24 | $0.45 | — | ||
| Q3 24 | $0.60 | — | ||
| Q2 24 | $0.51 | — | ||
| Q1 24 | $0.82 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $31.7M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.5M | $37.8M |
| Total Assets | $1.5B | $40.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.7M | — | ||
| Q3 25 | $55.9M | — | ||
| Q2 25 | $64.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $49.6M | — | ||
| Q3 24 | $147.3M | — | ||
| Q2 24 | $142.6M | — | ||
| Q1 24 | $73.7M | — |
| Q4 25 | $157.5M | $37.8M | ||
| Q3 25 | $152.5M | $11.6M | ||
| Q2 25 | $148.4M | $10.1M | ||
| Q1 25 | $148.3M | $11.0M | ||
| Q4 24 | $147.4M | — | ||
| Q3 24 | $149.1M | — | ||
| Q2 24 | $142.9M | — | ||
| Q1 24 | $141.6M | — |
| Q4 25 | $1.5B | $40.0M | ||
| Q3 25 | $1.5B | $14.0M | ||
| Q2 25 | $1.5B | $12.0M | ||
| Q1 25 | $1.5B | $13.3M | ||
| Q4 24 | $1.5B | — | ||
| Q3 24 | $1.6B | — | ||
| Q2 24 | $1.6B | — | ||
| Q1 24 | $1.5B | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $17.8M | $-9.0M |
| Free Cash FlowOCF − Capex | $17.2M | $-9.1M |
| FCF MarginFCF / Revenue | 124.1% | -57.2% |
| Capex IntensityCapex / Revenue | 4.7% | 1.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $29.5M | $-12.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $-9.0M | ||
| Q3 25 | $4.6M | $-719.0K | ||
| Q2 25 | $4.1M | $-2.5M | ||
| Q1 25 | $4.0M | $392.8K | ||
| Q4 24 | $6.8M | — | ||
| Q3 24 | $3.1M | — | ||
| Q2 24 | $-1.2M | — | ||
| Q1 24 | $3.3M | — |
| Q4 25 | $17.2M | $-9.1M | ||
| Q3 25 | $4.5M | $-730.9K | ||
| Q2 25 | $3.9M | $-2.5M | ||
| Q1 25 | $3.9M | $347.0K | ||
| Q4 24 | $3.4M | — | ||
| Q3 24 | $2.2M | — | ||
| Q2 24 | $-2.4M | — | ||
| Q1 24 | $2.3M | — |
| Q4 25 | 124.1% | -57.2% | ||
| Q3 25 | 186.5% | -14.7% | ||
| Q2 25 | 28.8% | -68.0% | ||
| Q1 25 | 32.5% | 5.9% | ||
| Q4 24 | 26.0% | — | ||
| Q3 24 | 17.4% | — | ||
| Q2 24 | -19.6% | — | ||
| Q1 24 | 17.0% | — |
| Q4 25 | 4.7% | 1.1% | ||
| Q3 25 | 4.3% | 0.2% | ||
| Q2 25 | 1.9% | 0.0% | ||
| Q1 25 | 0.8% | 0.8% | ||
| Q4 24 | 25.1% | — | ||
| Q3 24 | 6.7% | — | ||
| Q2 24 | 10.0% | — | ||
| Q1 24 | 7.2% | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.05× | — | ||
| Q1 25 | 2.11× | 12.96× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.95× | — | ||
| Q2 24 | -0.44× | — | ||
| Q1 24 | 0.78× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBFV
Segment breakdown not available.
JFB
| Nonrelated Party | $12.5M | 78% |
| Other | $3.5M | 22% |
