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Side-by-side financial comparison of CB Financial Services, Inc. (CBFV) and Pathfinder Bancorp, Inc. (PBHC). Click either name above to swap in a different company.
CB Financial Services, Inc. is the larger business by last-quarter revenue ($13.8M vs $11.8M, roughly 1.2× Pathfinder Bancorp, Inc.). On growth, CB Financial Services, Inc. posted the faster year-over-year revenue change (19.9% vs -22.6%). CB Financial Services, Inc. produced more free cash flow last quarter ($17.2M vs $10.4M). Over the past eight quarters, Pathfinder Bancorp, Inc.'s revenue compounded faster (3.0% 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.
Pathfinder Bancorp, Inc. is a regional bank holding company headquartered in New York, U.S. It operates Pathfinder Bank serving the central New York market, offering retail and commercial banking services including deposit accounts, mortgages, business loans and wealth management for individual consumers and small to medium-sized enterprises.
CBFV vs PBHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.8M | $11.8M |
| Net Profit | — | $-5.6M |
| Gross Margin | — | — |
| Operating Margin | 38.1% | -81.1% |
| Net Margin | — | -52.9% |
| Revenue YoY | 19.9% | -22.6% |
| Net Profit YoY | — | -242.4% |
| 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 | $11.8M | ||
| Q3 25 | $2.4M | $13.1M | ||
| Q2 25 | $13.5M | $9.3M | ||
| Q1 25 | $12.1M | $12.6M | ||
| Q4 24 | $13.2M | $15.3M | ||
| Q3 24 | $12.7M | $13.4M | ||
| Q2 24 | $12.2M | $10.7M | ||
| Q1 24 | $13.5M | $11.1M |
| Q4 25 | — | $-5.6M | ||
| Q3 25 | $-5.7M | $626.0K | ||
| Q2 25 | $3.9M | $31.0K | ||
| Q1 25 | $1.9M | $3.0M | ||
| Q4 24 | — | $3.9M | ||
| Q3 24 | $3.2M | $-4.6M | ||
| Q2 24 | $2.6M | $2.0M | ||
| Q1 24 | $4.2M | $2.1M |
| Q4 25 | 38.1% | -81.1% | ||
| Q3 25 | -289.8% | 5.1% | ||
| Q2 25 | 35.0% | 0.4% | ||
| Q1 25 | 19.3% | 29.5% | ||
| Q4 24 | 23.1% | 55.4% | ||
| Q3 24 | 31.2% | -43.1% | ||
| Q2 24 | 26.4% | 23.3% | ||
| Q1 24 | 37.9% | 24.3% |
| Q4 25 | — | -52.9% | ||
| Q3 25 | -235.2% | 4.8% | ||
| Q2 25 | 29.3% | 0.3% | ||
| Q1 25 | 15.8% | 23.6% | ||
| Q4 24 | — | 37.7% | ||
| Q3 24 | 25.3% | -34.6% | ||
| Q2 24 | 21.8% | 18.7% | ||
| Q1 24 | 31.1% | 19.0% |
| Q4 25 | $0.90 | — | ||
| Q3 25 | $-1.07 | $0.47 | ||
| Q2 25 | $0.74 | $0.47 | ||
| Q1 25 | $0.35 | — | ||
| Q4 24 | $0.45 | — | ||
| Q3 24 | $0.60 | $0.41 | ||
| Q2 24 | $0.51 | $0.41 | ||
| 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 | — | $14.1M |
| Stockholders' EquityBook value | $157.5M | $122.5M |
| Total Assets | $1.5B | $1.4B |
| Debt / EquityLower = less leverage | — | 0.11× |
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 | — | $14.1M | ||
| Q3 25 | — | $18.7M | ||
| Q2 25 | — | $21.0M | ||
| Q1 25 | — | $17.6M | ||
| Q4 24 | — | $27.1M | ||
| Q3 24 | — | $39.8M | ||
| Q2 24 | — | $45.9M | ||
| Q1 24 | — | $45.9M |
| Q4 25 | $157.5M | $122.5M | ||
| Q3 25 | $152.5M | $126.3M | ||
| Q2 25 | $148.4M | $124.4M | ||
| Q1 25 | $148.3M | $124.9M | ||
| Q4 24 | $147.4M | $121.5M | ||
| Q3 24 | $149.1M | $120.2M | ||
| Q2 24 | $142.9M | $123.3M | ||
| Q1 24 | $141.6M | $121.8M |
| Q4 25 | $1.5B | $1.4B | ||
| Q3 25 | $1.5B | $1.5B | ||
| Q2 25 | $1.5B | $1.5B | ||
| Q1 25 | $1.5B | $1.5B | ||
| Q4 24 | $1.5B | $1.5B | ||
| Q3 24 | $1.6B | $1.5B | ||
| Q2 24 | $1.6B | $1.4B | ||
| Q1 24 | $1.5B | $1.5B |
| Q4 25 | — | 0.11× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.17× | ||
| Q1 25 | — | 0.14× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.33× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | 0.38× |
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 | $11.7M |
| Free Cash FlowOCF − Capex | $17.2M | $10.4M |
| FCF MarginFCF / Revenue | 124.1% | 88.1% |
| Capex IntensityCapex / Revenue | 4.7% | 10.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $29.5M | $18.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $17.8M | $11.7M | ||
| Q3 25 | $4.6M | $7.0M | ||
| Q2 25 | $4.1M | $-3.7M | ||
| Q1 25 | $4.0M | $5.7M | ||
| Q4 24 | $6.8M | $11.2M | ||
| Q3 24 | $3.1M | $11.8M | ||
| Q2 24 | $-1.2M | $1.5M | ||
| Q1 24 | $3.3M | $504.0K |
| Q4 25 | $17.2M | $10.4M | ||
| Q3 25 | $4.5M | $6.9M | ||
| Q2 25 | $3.9M | $-4.0M | ||
| Q1 25 | $3.9M | $5.1M | ||
| Q4 24 | $3.4M | $9.1M | ||
| Q3 24 | $2.2M | $11.3M | ||
| Q2 24 | $-2.4M | $637.0K | ||
| Q1 24 | $2.3M | $274.0K |
| Q4 25 | 124.1% | 88.1% | ||
| Q3 25 | 186.5% | 52.8% | ||
| Q2 25 | 28.8% | -42.6% | ||
| Q1 25 | 32.5% | 40.1% | ||
| Q4 24 | 26.0% | 59.9% | ||
| Q3 24 | 17.4% | 84.3% | ||
| Q2 24 | -19.6% | 6.0% | ||
| Q1 24 | 17.0% | 2.5% |
| Q4 25 | 4.7% | 10.7% | ||
| Q3 25 | 4.3% | 1.0% | ||
| Q2 25 | 1.9% | 2.4% | ||
| Q1 25 | 0.8% | 5.1% | ||
| Q4 24 | 25.1% | 13.5% | ||
| Q3 24 | 6.7% | 3.8% | ||
| Q2 24 | 10.0% | 8.2% | ||
| Q1 24 | 7.2% | 2.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | 11.26× | ||
| Q2 25 | 1.05× | -120.55× | ||
| Q1 25 | 2.11× | 1.92× | ||
| Q4 24 | — | 2.87× | ||
| Q3 24 | 0.95× | — | ||
| Q2 24 | -0.44× | 0.76× | ||
| Q1 24 | 0.78× | 0.24× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBFV
Segment breakdown not available.
PBHC
| Other | $5.6M | 47% |
| Banking | $3.7M | 31% |
| Deposit Account | $1.5M | 13% |
| Financial Service Other | $1.0M | 9% |
