CB Financial Services (CBFV)
NASDAQ:CBFV
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CB Financial Services
(NASDAQ:CBFV)
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Rating:64Neutral
Price Target:
$36.00
â–¼(-0.77% Downside)
Action:ReiteratedDate:03/14/26
The score is driven primarily by mixed financial performance: a strong, conservatively levered balance sheet is offset by sharply weaker profitability and returns. Valuation is supportive with a low P/E and solid dividend yield, but technical indicators point to weak near-term momentum. Recent corporate updates are broadly positive due to the dividend raise and improved net interest margin, tempered by higher expenses.
Positive Factors
Cash flow strength
Robust free cash flow growth and a strong operating cash flow to net income ratio indicate durable internal funding. This enhances resilience to credit cycles, supports dividends and reinvestment, and gives management flexibility to fund loans, tech or M&A without relying on external capital.
Negative Factors
Declining revenue
Sustained top-line contraction reduces operating leverage and constrains ability to cover fixed costs. For a diversified financial services firm, shrinking revenue hampers investment in growth initiatives, weakens scale benefits in wealth and insurance channels, and pressures medium-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash flow strength
Robust free cash flow growth and a strong operating cash flow to net income ratio indicate durable internal funding. This enhances resilience to credit cycles, supports dividends and reinvestment, and gives management flexibility to fund loans, tech or M&A without relying on external capital.
Read all positive factors
CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$184.15M
Dividend Yield2.9%
Average Volume (3M)14.48K
Price to Earnings (P/E)35.8
Beta (1Y)0.57
Revenue Growth-1.39%
EPS Growth-88.66%
CountryUS
Employees159
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.72
Shares Outstanding5,075,878
10 Day Avg. Volume6,212
30 Day Avg. Volume14,479
Financial Highlights & Ratios
PEG Ratio-0.59
Price to Book (P/B)1.11
Price to Sales (P/S)2.56
P/FCF Ratio10.61
Enterprise Value/Market Cap1.02
Enterprise Value/Revenue2.75
Enterprise Value/Gross Profit4.40
Enterprise Value/Ebitda26.54
Forecast
1Y Price Target
$41.00Price Target Upside13.01% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3
Revenue Forecast (FY)$62.70M
CB Financial Services Business Overview & Revenue Model
Company Description
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary dep...
How the Company Makes Money
CB Financial Services primarily earns revenue through its banking subsidiary by (1) generating net interest income—earning interest and fees on loans and interest-earning assets (such as commercial loans, consumer loans, and residential real estat...
CB Financial Services Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
72
Positive
Cash Flow
64
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 68.64M | 79.20M | 60.03M | 54.74M | 50.06M |
| Gross Profit | 42.89M | 48.57M | 42.86M | 46.18M | 47.78M |
| EBITDA | 7.11M | 17.77M | 33.02M | 16.78M | 17.13M |
| Net Income | 4.90M | 12.59M | 22.55M | 11.25M | 11.57M |
Balance Sheet | |||||
| Total Assets | 1.55B | 1.48B | 1.46B | 1.41B | 1.43B |
| Cash, Cash Equivalents and Short-Term Investments | 310.68M | 309.09M | 272.73M | 291.06M | 341.78M |
| Total Debt | 34.76M | 34.72M | 34.68M | 22.70M | 56.87M |
| Total Liabilities | 1.39B | 1.33B | 1.32B | 1.30B | 1.29B |
| Stockholders Equity | 157.54M | 147.38M | 139.83M | 110.16M | 133.12M |
Cash Flow | |||||
| Free Cash Flow | 16.56M | 3.44M | 10.94M | 13.64M | 10.67M |
| Operating Cash Flow | 17.81M | 6.75M | 14.24M | 14.15M | 13.05M |
| Investing Cash Flow | -82.61M | -36.38M | -54.73M | -28.31M | -60.14M |
| Financing Cash Flow | 46.92M | 10.98M | 5.01M | -1.82M | 5.85M |
CB Financial Services Technical Analysis
Positive
36.28
Price Trends
35.01
Positive
34.87
Positive
33.05
Positive
Market Momentum
0.25
Negative
62.64
Neutral
86.50
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 36.28 is above the 20-day moving average (MA) of 34.40, above the 50-day MA of 35.01, and above the 200-day MA of 33.05, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 62.64 is Neutral, neither overbought nor oversold. The STOCH value of 86.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CBFV.
CB Financial Services Risk Analysis
CB Financial Services disclosed 19 risk factors in its most recent earnings report. CB Financial Services reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
CB Financial Services Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | $229.16M | 12.41 | 13.46% | 2.58% | 4.52% | 3.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $181.36M | 14.13 | 9.03% | 4.66% | -2.00% | -36.25% | |
64 Neutral | $184.15M | 35.81 | 3.23% | 2.90% | -1.39% | -88.66% | |
63 Neutral | $214.77M | 12.07 | 9.58% | 2.27% | 10.35% | 22.05% | |
58 Neutral | $242.73M | 9.12 | 11.39% | 2.87% | 9.77% | 76.75% | |
49 Neutral | $161.16M | 23.06 | 5.60% | 1.70% | 0.99% | -6.35% |
* Financial Sector Average
CBFV
CB Financial Services
36.57
10.55
40.56%
OVBC
Ohio Valley Banc
45.59
17.50
62.27%
PEBK
Peoples Bancorp Of North Carolina
41.77
16.60
65.93%
UBFO
United Security Bancshares
10.51
3.23
44.41%
MRBK
Meridian Bank
20.44
7.80
61.70%
HNVR
Hanover Bancorp Inc
22.47
3.65
19.42%
CB Financial Services Corporate Events
Business Operations and StrategyExecutive/Board ChangesDividendsFinancial Disclosures
CB Financial Services Raises Dividend After Strong 2025 Results
Positive
Jan 27, 2026
On January 21, 2026, CB Financial Services promoted Amanda L. Engles, who had served as interim chief financial officer since February 2025, to the role of chief financial officer and entered into a two-year change-in-control agreement with her th...
Business Operations and StrategyExecutive/Board Changes
CB Financial Services adjusts board size after director resignation
Neutral
Dec 31, 2025
On December 29, 2025, CB Financial Services, Inc. announced that director Craig L. Kauffman resigned from the boards of both the company and its banking subsidiary, Community Bank, citing personal reasons unrelated to any dispute over operations, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.