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CB Financial Services
(NASDAQ:CBFV)
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Rating:64Neutral
Price Target:
$38.00
â–²(5.85% Upside)
Action:Reiterated
Date:07/28/26
The score is primarily driven by a healthy financial foundation (conservative leverage and strong cash generation) but held back by meaningfully lower current profitability and return levels versus prior years. Technicals are mixed (short-term softness but still above key longer-term averages), valuation looks somewhat expensive on P/E despite a solid dividend yield, and recent corporate updates are supportive given strong Q2 results, asset/deposit growth, and low nonperformers.
Positive Factors
Conservative leverage
A low debt-to-equity ratio (~0.22) provides durable balance-sheet resilience, reducing refinancing and solvency risk. This conservatism supports regulatory capital compliance, gives flexibility for targeted loan growth or buybacks, and cushions earnings through economic cycles.
Negative Factors
Low ROE
A TTM ROE near 4.4% is well below historical peaks and constrains the bank's ability to generate shareholder returns organically. Persistently low ROE limits dividend growth potential and requires either higher net interest margins, meaningful loan yield expansion, or cost reductions to sustainably improve profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A low debt-to-equity ratio (~0.22) provides durable balance-sheet resilience, reducing refinancing and solvency risk. This conservatism supports regulatory capital compliance, gives flexibility for targeted loan growth or buybacks, and cushions earnings through economic cycles.
Read all positive factors
CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$185.81M
Dividend Yield2.95%
Average Volume (3M)14.48K
Price to Earnings (P/E)25.6
Beta (1Y)0.54
Revenue Growth-9.31%
EPS Growth-37.86%
CountryUS
Employees169
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.37
Shares Outstanding5,072,611
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 Ratio10.23
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$44.00Price Target Upside22.56% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.02
Revenue Forecast (FY)$63.19M
CB Financial Services Business Overview & Revenue Model
Company Description
CB Financial Services, Inc. functions as the parent company for Community Bank, delivering a broad spectrum of banking solutions and financial services to individuals and businesses. Its operational footprint spans southwestern Pennsylvania, West ...
How the Company Makes Money
CB Financial Services primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated by originating and holding interest-earning assets—mainly commercial and consumer loans—and investing in sec...
CB Financial Services Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
71
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 70.63M | 68.64M | 79.20M | 60.03M | 54.74M | 50.06M |
| Gross Profit | 45.35M | 42.89M | 48.57M | 42.86M | 46.18M | 47.78M |
| EBITDA | 9.36M | 7.11M | 17.77M | 33.02M | 16.78M | 17.13M |
| Net Income | 6.86M | 4.90M | 12.59M | 22.55M | 11.25M | 11.57M |
Balance Sheet | ||||||
| Total Assets | 1.58B | 1.55B | 1.48B | 1.46B | 1.41B | 1.43B |
| Cash, Cash Equivalents and Short-Term Investments | 55.55M | 31.69M | 309.09M | 272.73M | 291.06M | 341.78M |
| Total Debt | 37.75M | 34.76M | 34.72M | 34.68M | 22.70M | 56.87M |
| Total Liabilities | 1.42B | 1.39B | 1.33B | 1.32B | 1.30B | 1.29B |
| Stockholders Equity | 158.75M | 157.54M | 147.38M | 139.83M | 110.16M | 133.12M |
Cash Flow | ||||||
| Free Cash Flow | 15.94M | 17.16M | 3.44M | 10.94M | 13.64M | 10.67M |
| Operating Cash Flow | 16.69M | 17.81M | 6.75M | 14.24M | 14.15M | 13.05M |
| Investing Cash Flow | -109.11M | -82.61M | -36.38M | -54.73M | -28.31M | -60.14M |
| Financing Cash Flow | 86.70M | 46.92M | 10.98M | 5.01M | -1.82M | 5.85M |
CB Financial Services Technical Analysis
Positive
35.90
Price Trends
36.37
Positive
35.51
Positive
34.82
Positive
Market Momentum
-0.18
Positive
45.56
Neutral
13.93
Positive
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 35.9 is below the 20-day moving average (MA) of 36.74, below the 50-day MA of 36.37, and above the 200-day MA of 34.82, indicating a neutral trend. The MACD of -0.18 indicates Positive momentum. The RSI at 45.56 is Neutral, neither overbought nor oversold. The STOCH value of 13.93 is Positive, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $234.84M | 12.95 | 12.75% | 2.30% | 2.52% | 16.48% | |
69 Neutral | $198.14M | 13.97 | 9.29% | 2.28% | 5.77% | 2.59% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $233.53M | 9.35 | 12.57% | 2.67% | 1.12% | 13.95% | |
66 Neutral | $187.83M | 20.59 | 4.72% | 1.60% | -4.37% | -16.02% | |
64 Neutral | $185.81M | 25.62 | 4.57% | 3.01% | -9.31% | -37.86% |
* Financial Sector Average
CBFV
CB Financial Services
36.63
6.11
20.00%
OVBC
Ohio Valley Banc
42.06
9.94
30.95%
PEBK
Peoples Bancorp Of North Carolina
43.00
15.42
55.89%
MRBK
Meridian Bank
19.64
5.70
40.86%
HNVR
Hanover Bancorp Inc
26.25
5.51
26.58%
CB Financial Services Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
CB Financial Services Reports Solid Q2 2026 Earnings
Positive
Jul 27, 2026
On July 27, 2026, CB Financial Services reported second-quarter 2026 results showing GAAP net income of $4.3 million and diluted earnings per share of $0.80, with adjusted net income of $4.3 million and adjusted diluted EPS of $0.81, supported by ...
Executive/Board ChangesShareholder Meetings
CB Financial Shareholders Approve Directors and Annual Say-on-Pay
Positive
May 20, 2026
At its annual meeting of stockholders held on May 20, 2026, CB Financial Services, Inc. shareholders re-elected directors Mark E. Fox, John J. LaCarte, and David F. Pollock to three-year terms, ratified the appointment of Forvis Mazars, LLP as ind...
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.