CB Financial Services (CBFV) AI Stock Analysis

• Market Cap: $144.24M
• Dividend Yield: 3.5%
• Average Volume (3M): 33.60K
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.48
• Revenue Growth: 24.57%
• EPS Growth: -54.50%
• Country: US
• Employees: 159
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.50
• Shares Outstanding: 5,023,242
• 10 Day Avg. Volume: 75,338
• 30 Day Avg. Volume: 33,599
• 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: 8.43% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 71 Outperform
• Price Target: $32.00 ▲(11.93%Upside)

CB Financial Services demonstrates solid financial performance and strategic improvements, evidenced by strong Q1 results and effective balance sheet management. The company's valuation is reasonable, supported by a good dividend yield. However, technical indicators suggest neutral momentum, and cash flow management remains an area for improvement.

CB Financial Services Business Overview & Revenue Model

Company Description

CB Financial Services, Inc. (CBFV) is a bank holding company headquartered in Carmichaels, Pennsylvania. It primarily operates through its wholly-owned subsidiary, Community Bank, which provides a comprehensive range of financial services. The bank offers traditional banking products such as checking and savings accounts, loans, and mortgages, catering to both individual and commercial clients. Community Bank's services are primarily focused on serving the financial needs of communities in Pennsylvania, Ohio, and West Virginia.

How the Company Makes Money

CB Financial Services, Inc. generates revenue primarily through the net interest income derived from its lending activities and interest-earning assets. By accepting deposits from customers, the company is able to extend various types of loans, including commercial, residential, and consumer loans. The interest rate differential between the interest paid on deposits and the interest earned on loans constitutes the net interest income, which is a significant source of revenue. Additionally, the company earns non-interest income through service charges on deposit accounts, fees for financial services, and gains from the sale of securities. Partnerships with other financial entities and a focus on maintaining a diversified loan portfolio also contribute to the company's financial performance.

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
EBITDA	0.00	0.00	16.78M	0.00	-6.16M
Net Income	12.59M	22.55M	11.25M	11.57M	-10.64M
Balance Sheet
Total Assets	1.48B	1.46B	1.41B	1.43B	1.42B
Cash, Cash Equivalents and Short-Term Investments	309.09M	68.22M	291.06M	341.78M	303.81M
Total Debt	34.72M	34.68M	22.70M	56.87M	41.05M
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: 28.59
• 50DMA: Negative
• 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 28.59 is above the 20-day moving average (MA) of 28.14, below the 50-day MA of 28.71, and above the 200-day MA of 28.50, indicating a neutral trend. The MACD of -0.11 indicates Negative momentum. The RSI at 55.39 is Neutral, neither overbought nor oversold. The STOCH value of 83.82 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
PEBK	75 Outperform	$158.71M	9.50	11.21%	2.75%	9.07%	4.44%
OVBC	72 Outperform	$157.87M	12.54	8.37%	2.72%	16.21%	10.91%
CBFV	71 Outperform	$144.24M	14.94	7.11%	3.50%	24.57%	-54.50%
FCAP	68 Neutral	$146.83M	11.98	10.83%	2.73%	12.53%	2.45%
HNVR	66 Neutral	$169.30M	17.98	4.99%	1.71%	28.86%	-20.64%
Sector *	64 Neutral	$6.55B	10.89	6.59%	5.08%	24.65%	0.99%
BFIN	64 Neutral	$145.67M	32.78	2.83%	3.42%	0.83%	-47.11%

CB Financial Services Corporate Events

CB Financial Services Completes Stock Repurchase Program

On June 18, 2025, CB Financial Services, Inc. announced the completion of its stock repurchase program, which involved buying back 5% of its outstanding common stock. The program, which began on July 26, 2024, concluded on June 13, 2025, with the company purchasing 257,145 shares at an average price of $28.70 per share.

The most recent analyst rating on (CBFV) stock is a Hold with a $25.00 price target. To see the full list of analyst forecasts on CB Financial Services stock, see the CBFV Stock Forecast page.

CB Financial Services Holds Annual Stockholders Meeting

On May 21, 2025, CB Financial Services, Inc. held its annual meeting of stockholders where key decisions were made. Jonathan A. Bedway, Charles R. Guthrie, and John H. Montgomery were elected as directors for a three-year term. Additionally, Forvis Mazars, LLP was ratified as the independent registered public accounting firm for the fiscal year ending December 31, 2025, and the compensation of the company’s named executive officers was approved.

The most recent analyst rating on (CBFV) stock is a Hold with a $25.00 price target. To see the full list of analyst forecasts on CB Financial Services stock, see the CBFV Stock Forecast page.

CB Financial Services 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.