CB Financial Services (CBFV) AI Stock Analysis

• Market Cap: $142.91M
• Dividend Yield: 3.5%
• Average Volume (3M): 14.34K
• Price to Earnings (P/E): 14.8
• Beta (1Y): 0.41
• Revenue Growth: 24.57%
• EPS Growth: -54.50%
• Country: US
• Employees: 159
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 0.50
• Shares Outstanding: 5,023,242
• 10 Day Avg. Volume: 13,227
• 30 Day Avg. Volume: 14,340
• PEG Ratio: 5.26
• Price to Book (P/B): 1.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.07
• Enterprise Value/Market Cap: 0.20
• Enterprise Value/Revenue: 0.12
• Enterprise Value/Gross Profit: 0.46
• Enterprise Value/Ebitda: 0.36
• 1Y Price Target: $31.00
• Price Target Upside: 8.09% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 68 Neutral
• Price Target: ―

CB Financial Services demonstrates strong financial fundamentals with notable revenue growth and operational efficiency. The technical analysis supports a positive short-term outlook. Valuation metrics are favorable, providing both growth and income opportunities. However, challenges in cash flow generation and recent corporate changes pose potential risks. Overall, the company is stable with areas for improvement.

CB Financial Services Business Overview & Revenue Model

Company Description

CB Financial Services, Inc. (CBFV) is a bank holding company that primarily operates through its wholly-owned subsidiary, Community Bank. Community Bank offers a wide range of financial services to individuals and businesses with a focus on community banking. The bank provides traditional banking services such as deposit products, loan offerings, and wealth management solutions, catering to the needs of local communities in its operational regions.

How the Company Makes Money

CB Financial Services, Inc. generates revenue through various streams primarily associated with its banking operations. The company's main sources of income include interest income from loans offered to individuals and businesses, which constitute a significant portion of its earnings. Additionally, it earns from interest on investment securities and fees associated with deposit accounts, such as service charges. Non-interest income also contributes to its revenue, derived from wealth management services, mortgage banking, and other financial service fees. The company may also benefit from strategic partnerships and investments that enhance its financial service offerings, although details on specific partnerships are unavailable.

CB Financial Services Financial Statement Overview

Summary

CB Financial Services shows positive revenue growth with a 10.76% increase and improved EBIT margin indicating strong operational efficiency. The balance sheet is strong with no debt, reducing financial risk. However, cash flow metrics suggest challenges in cash generation, which could impact future growth if not addressed.

Income Statement

CB Financial Services shows a positive revenue growth trend with a 10.76% increase from the previous year. The net profit margin decreased to 16.54% from 32.81% due to an increase in total revenue without a proportional increase in net income. EBIT margin improved significantly to 98.06%, indicating strong operational efficiency. However, the absence of EBITDA data limits further analysis.

Balance Sheet

The company has a solid equity base, with an equity ratio of 9.95%, which is stable for the banking industry. The debt-to-equity ratio is 0, reflecting no debt, hence, lower financial risk. Return on equity decreased to 8.54%, indicating a lower return on investments compared to the previous year.

Cash Flow

Free cash flow decreased by 38.30%, indicating potential challenges in generating cash from operations. The operating cash flow to net income ratio is 0.54, suggesting limited cash conversion efficiency. The free cash flow to net income ratio is also 0.54, highlighting moderate cash generation relative to net income.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
49.14M	68.73M	538.00K	47.22M	49.39M
	Gross Profit
49.14M	9.02M	538.00K	47.22M	49.39M
	EBIT
14.93M	37.67M	19.78M	14.70M	-9.39M
	EBITDA
0.00	0.00	16.78M	0.00	-6.16M
	Net Income Common Stockholders
12.59M	22.55M	11.25M	11.57M	-10.64M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
309.09M	68.22M	291.06M	341.78M	303.81M
	Total Assets
1.48B	1.46B	1.41B	1.43B	1.42B
	Total Debt
34.72M	34.68M	22.70M	56.87M	41.05M
	Net Debt
-14.85M	-33.55M	-81.00M	-62.81M	-119.86M
	Total Liabilities
1.33B	1.32B	1.30B	1.29B	1.28B
	Stockholders Equity
147.38M	139.83M	110.16M	133.12M	134.53M
Cash Flow		Free Cash Flow
3.44M	10.94M	13.64M	10.67M	13.76M
	Operating Cash Flow
6.75M	14.24M	14.15M	13.05M	14.08M
	Investing Cash Flow
-36.38M	-54.73M	-28.31M	-60.14M	-36.90M
	Financing Cash Flow
10.98M	5.01M	-1.82M	5.85M	103.51M

CB Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 28.68 is below the 20-day moving average (MA) of 28.94, above the 50-day MA of 28.55, and above the 200-day MA of 28.38, indicating a neutral trend. The MACD of -0.09 indicates Positive momentum. The RSI at 48.12 is Neutral, neither overbought nor oversold. The STOCH value of 26.63 is Neutral, 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
PEBK	76 Outperform	$151.72M	9.08	11.21%	2.88%	9.07%	4.44%
OVBC	69 Neutral	$154.57M	12.27	8.37%	2.80%	16.21%	10.91%
CBFV	68 Neutral	$142.91M	14.81	7.11%	3.50%	24.57%	-54.50%
FCAP	68 Neutral	$151.06M	12.33	10.83%	2.58%	12.53%	2.45%
HNVR	66 Neutral	$159.18M	16.91	4.99%	1.82%	28.86%	-20.64%
Sector *	65 Neutral	$12.93B	9.81	7.84%	78.03%	12.20%	-7.74%
BFIN	64 Neutral	$147.29M	33.15	2.83%	3.38%	0.83%	-47.11%

CB Financial Services Corporate Events

CB Financial Services Reports Strong Q1 2025 Results

On April 23, 2025, CB Financial Services announced its first quarter financial results, highlighting a net income of $1.909 million and an improved net interest margin of 3.27%. The company declared a cash dividend of $0.25 per share, payable on May 30, 2025, and reported strategic efforts to reposition its balance sheet, including reducing reliance on time deposits and increasing commercial loan products. Despite a slight increase in noninterest expenses due to one-time charges, the company anticipates annual cost savings from operational changes. The announcement underscores CB Financial Services’ strong asset quality and well-capitalized position, indicating readiness for future growth.

Spark’s Take on CBFV Stock

According to Spark, TipRanks’ AI Analyst, CBFV is a Neutral.

CB Financial Services shows strong financial fundamentals with no debt and good operational efficiency. However, challenges in cash flow and recent internal changes, such as the CFO resignation and workforce reduction, introduce some risks. The technical analysis suggests cautious optimism with short-term upward momentum. Valuation metrics are favorable with a reasonable P/E ratio and attractive dividend yield. Overall, the company is stable with room for improvement in cash flow and adapting to recent corporate changes.

To see Spark’s full report on CBFV stock, click here.

CB Financial Services Announces CFO Change and Workforce Reduction

On February 4, 2025, Jamie L. Prah resigned as Executive Vice President and CFO of CB Financial Services, Inc. and its subsidiary Community Bank. He entered into a Separation Agreement receiving a cash payout and insurance coverage, while the company appointed Amanda Engles as interim CFO. The company also announced a workforce reduction of seven employees, incurring approximately $1 million in one-time charges, as part of strategic efforts to reduce expenses and align resources to its long-term plan, estimating annual savings of about $1.5 million.