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Side-by-side financial comparison of CB Financial Services, Inc. (CBFV) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Owlet, Inc. is the larger business by last-quarter revenue ($26.6M vs $13.8M, roughly 1.9× CB Financial Services, Inc.). On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 19.9%). CB Financial Services, Inc. produced more free cash flow last quarter ($17.2M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 1.2%).
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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
CBFV vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.8M | $26.6M |
| Net Profit | — | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | 38.1% | -18.4% |
| Net Margin | — | -34.6% |
| Revenue YoY | 19.9% | 29.6% |
| Net Profit YoY | — | -1.5% |
| EPS (diluted) | $0.90 | — |
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 | $26.6M | ||
| Q3 25 | $2.4M | $32.0M | ||
| Q2 25 | $13.5M | $26.1M | ||
| Q1 25 | $12.1M | $21.1M | ||
| Q4 24 | $13.2M | $20.5M | ||
| Q3 24 | $12.7M | $22.1M | ||
| Q2 24 | $12.2M | $20.7M | ||
| Q1 24 | $13.5M | $14.8M |
| Q4 25 | — | $-9.2M | ||
| Q3 25 | $-5.7M | $4.1M | ||
| Q2 25 | $3.9M | $-37.6M | ||
| Q1 25 | $1.9M | $3.0M | ||
| Q4 24 | — | $-9.1M | ||
| Q3 24 | $3.2M | $-5.6M | ||
| Q2 24 | $2.6M | $-1.1M | ||
| Q1 24 | $4.2M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | 38.1% | -18.4% | ||
| Q3 25 | -289.8% | 3.8% | ||
| Q2 25 | 35.0% | -7.4% | ||
| Q1 25 | 19.3% | -12.7% | ||
| Q4 24 | 23.1% | -36.2% | ||
| Q3 24 | 31.2% | -21.8% | ||
| Q2 24 | 26.4% | -10.8% | ||
| Q1 24 | 37.9% | -39.0% |
| Q4 25 | — | -34.6% | ||
| Q3 25 | -235.2% | 12.9% | ||
| Q2 25 | 29.3% | -144.4% | ||
| Q1 25 | 15.8% | 14.3% | ||
| Q4 24 | — | -44.2% | ||
| Q3 24 | 25.3% | -25.4% | ||
| Q2 24 | 21.8% | -5.5% | ||
| Q1 24 | 31.1% | 22.2% |
| Q4 25 | $0.90 | — | ||
| Q3 25 | $-1.07 | $-0.06 | ||
| Q2 25 | $0.74 | $-2.37 | ||
| Q1 25 | $0.35 | $0.11 | ||
| Q4 24 | $0.45 | $-0.15 | ||
| Q3 24 | $0.60 | $-0.61 | ||
| Q2 24 | $0.51 | $-0.30 | ||
| Q1 24 | $0.82 | $-0.51 |
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 | $35.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $157.5M | $19.0M |
| Total Assets | $1.5B | $85.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.7M | $35.5M | ||
| Q3 25 | $55.9M | $23.8M | ||
| Q2 25 | $64.5M | $21.8M | ||
| Q1 25 | $61.3M | $16.3M | ||
| Q4 24 | $49.6M | $20.2M | ||
| Q3 24 | $147.3M | $21.6M | ||
| Q2 24 | $142.6M | $15.4M | ||
| Q1 24 | $73.7M | $18.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | $157.5M | $19.0M | ||
| Q3 25 | $152.5M | $-54.1M | ||
| Q2 25 | $148.4M | $-59.2M | ||
| Q1 25 | $148.3M | $-25.8M | ||
| Q4 24 | $147.4M | $-29.8M | ||
| Q3 24 | $149.1M | $-21.5M | ||
| Q2 24 | $142.9M | $-33.4M | ||
| Q1 24 | $141.6M | $-32.9M |
| Q4 25 | $1.5B | $85.6M | ||
| Q3 25 | $1.5B | $74.9M | ||
| Q2 25 | $1.5B | $63.5M | ||
| Q1 25 | $1.5B | $51.4M | ||
| Q4 24 | $1.5B | $49.5M | ||
| Q3 24 | $1.6B | $56.1M | ||
| Q2 24 | $1.6B | $45.9M | ||
| Q1 24 | $1.5B | $43.8M |
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 | $-452.0K |
| Free Cash FlowOCF − Capex | $17.2M | $-651.0K |
| FCF MarginFCF / Revenue | 124.1% | -2.5% |
| Capex IntensityCapex / Revenue | 4.7% | 0.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $29.5M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $-452.0K | ||
| Q3 25 | $4.6M | $-2.2M | ||
| Q2 25 | $4.1M | $-2.2M | ||
| Q1 25 | $4.0M | $-5.9M | ||
| Q4 24 | $6.8M | $3.0M | ||
| Q3 24 | $3.1M | $-7.5M | ||
| Q2 24 | $-1.2M | $-3.4M | ||
| Q1 24 | $3.3M | $-3.4M |
| Q4 25 | $17.2M | $-651.0K | ||
| Q3 25 | $4.5M | $-2.2M | ||
| Q2 25 | $3.9M | $-2.3M | ||
| Q1 25 | $3.9M | $-5.9M | ||
| Q4 24 | $3.4M | $3.0M | ||
| Q3 24 | $2.2M | $-7.5M | ||
| Q2 24 | $-2.4M | $-3.4M | ||
| Q1 24 | $2.3M | — |
| Q4 25 | 124.1% | -2.5% | ||
| Q3 25 | 186.5% | -6.8% | ||
| Q2 25 | 28.8% | -8.8% | ||
| Q1 25 | 32.5% | -28.1% | ||
| Q4 24 | 26.0% | 14.5% | ||
| Q3 24 | 17.4% | -33.9% | ||
| Q2 24 | -19.6% | -16.3% | ||
| Q1 24 | 17.0% | — |
| Q4 25 | 4.7% | 0.7% | ||
| Q3 25 | 4.3% | 0.0% | ||
| Q2 25 | 1.9% | 0.2% | ||
| Q1 25 | 0.8% | 0.0% | ||
| Q4 24 | 25.1% | 0.2% | ||
| Q3 24 | 6.7% | 0.0% | ||
| Q2 24 | 10.0% | 0.0% | ||
| Q1 24 | 7.2% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | -0.52× | ||
| Q2 25 | 1.05× | — | ||
| Q1 25 | 2.11× | -1.96× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.95× | — | ||
| Q2 24 | -0.44× | — | ||
| Q1 24 | 0.78× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBFV
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
