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CNB Financial Services, Inc. Β· OTC
Price: $80.00 Β· Annual div: $3.30/share Β· Frequency: quarterly Β· Payout ratio: 50% Β· Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in CBFC β $4.94M in 10 years Β· $151.29/month
CNB Financial Services, Inc. functions as the holding company for its subsidiary, CNB Bank, Inc., providing a full spectrum of banking products and financial services to individuals and businesses throughout the United States. The institution facilitates various deposit accounts, including checking, savings, individual retirement accounts (IRAs), demand deposits, and certificates of deposit (CDs). Its extensive loan offerings cover consumer needs such as financing for new and used vehicles, recreational vehicles (like motor homes, travel trailers, motorcycles, ATVs, boats, jet skis, and snowmobiles), personal loans, home improvement loans, and special purpose loans for vacations, holidays, equipment, or those secured by savings/CDs. For commercial clients, CNB provides small business lending, lines of credit, commercial real estate loans, equipment financing, and specialized loans for churches and professional services. Residential and real estate lending options include both in-house and secondary market mortgages, construction loans, home equity loans, land acquisition loans, and other installment-based real estate credit. Beyond traditional banking, the company issues debit and credit cards and delivers a suite of treasury management solutions, including cash management, smart pay express, merchant services, and access to the Citadel marketplace program. Additional services encompass trust operations, safe deposit boxes, and convenient check reordering. Customers can also access various investment products and advisory services, complemented by modern banking channels such as online, mobile, and telephone banking. On an institutional level, CNB Financial Services invests in mortgage-backed securities and collateralized mortgage obligations. As of December 31, 2021, the company operated eight full-service locations equipped with ATMs across its service area: two offices in Berkeley Springs, West Virginia; three branch offices in Berkeley County, West Virginia; and three more branch offices situated in Washington County, Maryland. Founded in 1934, CNB Financial Services, Inc. maintains its corporate headquarters in Berkeley Springs, West Virginia.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold CBFC.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| πΊπΈ Roth IRA / 401k | 0% | 4.12% | 1.32% | $412 / yr |
| πΊπΈ US Taxable (15%) β | 15% | 3.50% | 0.70% | $350 / yr |
| πΊπΈ US Taxable (20%) | 20% | 3.30% | 0.50% | $330 / yr |
| π¬π§ UK ISA | 0% | 4.12% | 1.32% | $412 / yr |
| π¬π§ UK Taxable | 8.75% | 3.76% | 0.96% | $376 / yr |
| π¨π¦ TFSA | 0% | 4.12% | 1.32% | $412 / yr |
| π¨π¦ CA Taxable | 25% | 3.09% | 0.29% | $309 / yr |
| π¦πΊ Super (pension) | 15% | 3.50% | 0.70% | $350 / yr |
| π¦πΊ AU Taxable | 30% | 2.88% | 0.08% | $288 / yr |
| π©πͺ DE Taxable | 26.375% | 3.03% | 0.23% | $303 / yr |
| π«π· FR Taxable | 30% | 2.88% | 0.08% | $288 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $3.30/share/yr Β· πΊπΈ US Taxable (15%) Β· static projection (no growth assumed).
CBFC pays quarterly β 4 times per year. Next ex-div: TBD.
How CBFC compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024β2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBFC sourced from FMP /financial-growth endpoint β real data, not estimates.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores β lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CBFC dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer β
CNB Financial Services, Inc. (CBFC) is currently trading at $80.00, trading near its 52-week high. The current dividend yield is 4.12% based on an annual payout of $3.30 per share.
CNB Financial Services, Inc. (CBFC) is a financial services stock currently trading at $80.00 with a dividend yield of 4.12%. The company pays an annual dividend of $3.30 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, CBFC has grown its dividend at a compound annual rate of 15.2%.
Auto-generated from live market data. For educational purposes only β not financial advice.
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