CB Financial Services (CBFV) AI Stock Analysis

• Market Cap: $159.09M
• Dividend Yield: 2.86%
• Average Volume (3M): 14.48K
• Price to Earnings (P/E): 79.2
• Beta (1Y): 0.53
• Revenue Growth: -1.39%
• EPS Growth: -88.66%
• Country: US
• Employees: 159
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.74
• Shares Outstanding: 4,985,558
• 10 Day Avg. Volume: 6,212
• 30 Day Avg. Volume: 14,479
• PEG Ratio: -0.26
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 42.72
• Enterprise Value/Market Cap: 0.79
• Enterprise Value/Revenue: 1.89
• Enterprise Value/Gross Profit: 3.26
• Enterprise Value/Ebitda: 25.58
• 1Y Price Target: $40.00
• Price Target Upside: 9.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: $35.00 ▼(-4.16% Downside)

CB Financial Services has a stable financial position with strong cash flow and low leverage, which are positive indicators. However, the high P/E ratio suggests potential overvaluation, and the technical indicators show a neutral trend. The lack of earnings call and corporate events data limits further insights.

Positive Factors

Strong Cash Generation

The significant growth in free cash flow highlights the company's strong cash generation capabilities, providing financial flexibility for reinvestment and strategic initiatives.

Revenue Growth

A solid revenue growth rate indicates positive business momentum and the ability to capture market opportunities, supporting long-term financial health.

Net Interest Margin Improvement

Improved net interest margin reflects better asset-liability management and enhances profitability, contributing to sustainable earnings growth.

Negative Factors

Decline in Profitability Metrics

Declining profitability metrics may indicate operational challenges, potentially affecting long-term earnings power if not addressed.

Operational Efficiency Pressure

Pressure on operational efficiency, as evidenced by declining margins, could impact the company's ability to maintain competitive pricing and profitability.

Low Operating Cash Flow to Net Income Ratio

A low operating cash flow to net income ratio suggests potential inefficiencies in converting income to cash, which could constrain liquidity and operational flexibility.

CB Financial Services Business Overview & Revenue Model

Company Description

CB Financial Services (CBFV) is a comprehensive financial services company that specializes in providing a wide range of financial products and solutions to both individual and corporate clients. Operating primarily in the sectors of investment management, financial planning, and insurance services, CBFV aims to empower clients with the tools and knowledge necessary to achieve their financial goals. The company offers core products including investment advisory services, retirement planning, wealth management, and various insurance products, catering to diverse financial needs.

How the Company Makes Money

CB Financial Services generates revenue through multiple channels: primarily by charging management fees for asset management services, which are based on the total assets under management (AUM). Additionally, the company earns commission income from the sale of insurance products and financial products, such as mutual funds and annuities. Financial planning services may also involve flat fees or hourly rates, contributing to overall earnings. CBFV may engage in strategic partnerships with banks and insurance providers, enhancing its product offerings and creating additional income streams through referral fees or shared commissions. Overall, the company’s diverse revenue model allows it to adapt to changing market conditions while catering to a broad clientele.

CB Financial Services Financial Statement Overview

Summary

CB Financial Services demonstrates strong financial health with solid revenue growth and robust cash flow generation. While profitability metrics have slightly declined, the company's conservative leverage and effective cash management provide a stable foundation.

Income Statement

CB Financial Services has shown a solid revenue growth rate of 9.2% in the TTM, indicating positive momentum. The gross profit margin is strong at 62.16%, and the net profit margin is healthy at 14.83%. However, there has been a decline in EBIT and EBITDA margins compared to previous years, suggesting some pressure on operational efficiency.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.23, reflecting conservative leverage. Return on equity is moderate at 7.83%, indicating reasonable profitability. The equity ratio is stable, suggesting a solid capital structure. However, the decline in ROE from previous years could be a concern if it continues.

Cash Flow

Free cash flow has grown significantly by 123.45% in the TTM, showcasing strong cash generation capabilities. The operating cash flow to net income ratio is low, indicating potential inefficiencies in converting income to cash. However, the free cash flow to net income ratio is robust at 88.42%, highlighting effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	66.10M	79.20M	60.03M	54.74M	50.06M	54.49M
Gross Profit	38.29M	48.57M	42.86M	46.18M	47.78M	44.92M
EBITDA	4.88M	17.77M	33.02M	16.78M	17.13M	-6.05M
Net Income	2.69M	12.59M	22.55M	11.25M	11.57M	-10.64M
Balance Sheet
Total Assets	1.55B	1.48B	1.46B	1.41B	1.43B	1.42B
Cash, Cash Equivalents and Short-Term Investments	55.89M	309.09M	0.00	291.06M	341.78M	303.81M
Total Debt	34.75M	34.72M	36.46M	22.70M	56.87M	49.05M
Total Liabilities	1.39B	1.33B	1.32B	1.30B	1.29B	1.28B
Stockholders Equity	152.47M	147.38M	139.83M	110.16M	133.12M	134.53M
Cash Flow
Free Cash Flow	13.64M	3.44M	10.94M	13.64M	10.67M	13.76M
Operating Cash Flow	14.37M	6.75M	14.24M	14.15M	13.05M	14.08M
Investing Cash Flow	-76.30M	-36.38M	-54.73M	-28.31M	-60.14M	-36.90M
Financing Cash Flow	-29.50M	10.98M	5.01M	-1.82M	5.85M	103.51M

CB Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 36.52
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBFV, the sentiment is Positive. The current price of 36.52 is above the 20-day moving average (MA) of 33.59, above the 50-day MA of 32.98, and above the 200-day MA of 30.07, indicating a bullish trend. The MACD of 0.72 indicates Negative momentum. The RSI at 69.38 is Neutral, neither overbought nor oversold. The STOCH value of 82.82 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBFV.

CB Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UBFO	77 Outperform	$174.00M	15.10	8.41%	4.79%	-2.00%	-36.25%
PEBK	76 Outperform	$175.68M	10.50	11.73%	2.92%	4.52%	3.47%
OVBC	70 Outperform	$181.37M	12.81	8.95%	2.32%	10.35%	22.05%
HNVR	68 Neutral	$154.69M	14.25	5.60%	1.74%	0.99%	-6.35%
MRBK	68 Neutral	$185.43M	9.10	11.39%	3.12%	9.77%	76.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CBFV	65 Neutral	$159.09M	79.16	1.78%	2.86%	-1.39%	-88.66%

CB Financial Services Corporate Events

CB Financial Services Reports Q3 Loss Amid Strategic Repositioning

CB Financial Services, Inc. is a bank holding company for Community Bank, which operates in southwestern Pennsylvania and West Virginia, offering a range of retail and commercial banking services. In its third quarter of 2025, the company reported a net loss of $5.7 million, primarily due to a strategic repositioning of its investment securities portfolio, which resulted in a significant after-tax realized loss. Despite this, the company saw an increase in total assets to $1.55 billion, driven by strong commercial loan production and a focus on core deposit growth.

CB Financial Services Announces Quarterly Dividend

On October 23, 2025, CB Financial Services announced a quarterly cash dividend of $0.26 per share, payable on November 28, 2025, to shareholders of record as of November 14, 2025. The company reported its third-quarter financial results, highlighting a strategic repositioning of its investment securities portfolio to enhance yields, which resulted in a $9.3 million after-tax loss but is expected to improve net interest margin and earnings per share. The bank’s total assets increased to $1.55 billion, driven by strong loan production and a focus on optimizing its balance sheet and deposit mix.

The most recent analyst rating on (CBFV) stock is a Hold with a $35.00 price target. To see the full list of analyst forecasts on CB Financial Services stock, see the CBFV Stock Forecast page.

CB Financial Services Announces Stock Repurchase Program

On September 4, 2025, CB Financial Services, Inc. announced a stock repurchase program to buy back up to $5 million of its outstanding common stock, representing approximately 3.1% of its shares. The program, which will terminate on September 30, 2026, allows for repurchases in the open market or through private transactions, and can be adjusted based on various market conditions and other factors.

The most recent analyst rating on (CBFV) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on CB Financial Services stock, see the CBFV Stock Forecast page.

CB Financial Services Executes Balance Sheet Repositioning

On September 2, 2025, CB Financial Services, Inc. announced the execution of a balance sheet repositioning strategy involving its available-for-sale investment securities portfolio. The company sold $129.6 million in lower-yielding securities, incurring an after-tax realized loss of $9.3 million, and plans to purchase $117.8 million in higher-yielding securities. This strategic move is expected to enhance future earnings, adding approximately 20 basis points to the net interest margin and $0.41 to annual earnings per share. The repositioning is projected to be accretive to earnings, net interest margin, and return on assets, while maintaining well-capitalized regulatory capital levels.

The most recent analyst rating on (CBFV) stock is a Buy with a $39.00 price target. To see the full list of analyst forecasts on CB Financial Services stock, see the CBFV Stock Forecast page.