CB Financial Services (CBFV) AI Stock Analysis

• Market Cap: $163.03M
• Dividend Yield: 3.09%
• Average Volume (3M): 14.48K
• Price to Earnings (P/E): 15.2
• Beta (1Y): 0.52
• Revenue Growth: 20.82%
• EPS Growth: -48.08%
• 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: 0.77
• Enterprise Value/Revenue: 1.60
• Enterprise Value/Gross Profit: 2.57
• Enterprise Value/Ebitda: 7.81
• 1Y Price Target: $39.00
• Price Target Upside: 19.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 64 Neutral
• Price Target: $35.00 ▲(7.23% Upside)

CB Financial Services has a solid financial foundation with strong revenue growth and cash flow generation. However, technical indicators suggest potential short-term weakness, and the valuation is reasonable but not undervalued. The absence of earnings call and corporate events data limits further insights.

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 deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates through its main office and 13 branch offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio, as well as one loan production offices in Allegheny County. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

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 shows strong revenue growth and profitability, with a robust balance sheet and low leverage risk. However, cash flow management needs improvement, particularly in sustaining free cash flow.

Income Statement

CB Financial Services has demonstrated a strong financial performance with consistent revenue growth and solid profitability. The gross profit margin and net profit margin remain healthy, indicating efficient cost management. However, there is a notable decline in EBIT and EBITDA margins in the TTM period, suggesting a potential increase in operational costs or reduced pricing power.

Balance Sheet

The company's balance sheet is robust, characterized by a strong equity position and a conservative debt-to-equity ratio. The return on equity is impressive, highlighting effective use of shareholder funds. The equity ratio is stable, reflecting a solid capital structure with minimal leverage risks.

Cash Flow

Cash flow performance is moderate, with stable operating cash flow generation, yet there are fluctuations in free cash flow. The operating cash flow to net income ratio suggests effective conversion of earnings into cash, though the growth in free cash flow is lacking, indicating potential challenges in capital expenditure management or investment returns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	78.25M	79.20M	60.03M	54.74M	50.06M	54.49M
Gross Profit	48.64M	48.57M	42.86M	46.18M	47.78M	44.92M
EBITDA	15.99M	17.77M	33.02M	16.78M	17.13M	-6.05M
Net Income	11.61M	12.59M	22.55M	11.25M	11.57M	-10.64M
Balance Sheet
Total Assets	1.52B	1.48B	1.46B	1.41B	1.43B	1.42B
Cash, Cash Equivalents and Short-Term Investments	64.63M	309.09M	272.73M	291.06M	341.78M	303.81M
Total Debt	34.74M	34.72M	34.68M	22.70M	56.87M	49.05M
Total Liabilities	1.37B	1.33B	1.32B	1.30B	1.29B	1.28B
Stockholders Equity	148.36M	147.38M	139.83M	110.16M	133.12M	134.53M
Cash Flow
Free Cash Flow	11.33M	3.44M	10.94M	13.64M	10.67M	13.76M
Operating Cash Flow	12.81M	6.75M	14.24M	14.15M	13.05M	14.08M
Investing Cash Flow	-39.56M	-36.38M	-54.73M	-28.31M	-60.14M	-36.90M
Financing Cash Flow	-51.35M	10.98M	5.01M	-1.82M	5.85M	103.51M

CB Financial Services Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 32.64
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 32.64 is below the 20-day moving average (MA) of 32.69, below the 50-day MA of 32.85, and above the 200-day MA of 29.63, indicating a neutral trend. The MACD of -0.15 indicates Positive momentum. The RSI at 49.64 is Neutral, neither overbought nor oversold. The STOCH value of 89.91 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	$175.96M	10.21	11.73%	3.04%	4.52%	3.62%
MRBK	69 Neutral	$167.82M	9.31	10.77%	3.33%	12.20%	71.87%
UBFO	69 Neutral	$159.21M	13.68	8.41%	5.35%	-2.00%	-35.93%
OVBC	68 Neutral	$171.72M	12.24	9.04%	2.47%	14.16%	24.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HNVR	66 Neutral	$148.85M	13.62	5.69%	1.91%	8.34%	-2.33%
CBFV	64 Neutral	$163.03M	15.20	7.97%	3.09%	20.82%	-48.08%

CB Financial Services Corporate Events

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.

CB Financial Services Reports Strong Q2 2025 Results

CB Financial Services, Inc. is a bank holding company for Community Bank, which operates in the commercial banking sector, offering a wide range of retail and commercial lending and deposit services across southwestern Pennsylvania and West Virginia.