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CB Financial Services
(NASDAQ:CBFV)
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Rating:65Neutral
Price Target:
$41.00
â–²(17.88% Upside)
Action:Reiterated
Date:05/21/26
The score is driven primarily by stable financial footing (conservative leverage and solid cash generation) but tempered by reduced profitability/ROE versus prior years. Valuation and dividend support the profile, while technical signals indicate muted near-term momentum.
Positive Factors
Conservative leverage
A low debt-to-equity (~0.22) and gradual equity build give CB Financial structural balance-sheet resilience. This conservatism supports lending capacity, cushions credit stress, and preserves capital flexibility for dividends or strategic investments over the next several quarters.
Negative Factors
Compressed profitability / low ROE
ROE has declined sharply to ~4.4%, well below recent years' peaks, reflecting weaker earnings generation from the existing asset base. Sustained low ROE constrains internal capital formation and investor returns absent structural margin improvement or faster, profitable loan growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
A low debt-to-equity (~0.22) and gradual equity build give CB Financial structural balance-sheet resilience. This conservatism supports lending capacity, cushions credit stress, and preserves capital flexibility for dividends or strategic investments over the next several quarters.
Read all positive factors
CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$191.90M
Dividend Yield2.9%
Average Volume (3M)14.48K
Price to Earnings (P/E)27.1
Beta (1Y)0.51
Revenue Growth-11.93%
EPS Growth-32.54%
CountryUS
Employees159
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 Cap0.89
Enterprise Value/Revenue2.42
Enterprise Value/Gross Profit3.77
Enterprise Value/Ebitda18.26
Forecast
1Y Price Target
$39.50Price Target Upside13.57% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.97
Revenue Forecast (FY)$62.60M
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
Neutral
34.78
Price Trends
35.91
Positive
35.21
Positive
34.51
Positive
Market Momentum
0.49
Positive
46.83
Neutral
34.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBFV, the sentiment is Neutral. The current price of 34.78 is below the 20-day moving average (MA) of 37.41, below the 50-day MA of 35.91, and above the 200-day MA of 34.51, indicating a neutral trend. The MACD of 0.49 indicates Positive momentum. The RSI at 46.83 is Neutral, neither overbought nor oversold. The STOCH value of 34.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $198.57M | 12.94 | 9.29% | 2.27% | 6.08% | 23.01% | |
75 Outperform | $229.33M | 12.62 | 13.07% | 2.58% | 3.06% | 18.08% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $191.90M | 27.08 | 4.45% | 2.90% | -11.93% | -32.54% | |
64 Neutral | $231.86M | 9.42 | 12.57% | 2.87% | 4.29% | 30.20% | |
60 Neutral | $163.32M | 22.26 | 3.91% | 1.70% | -4.79% | -19.50% |
* Financial Sector Average
CBFV
CB Financial Services
36.41
8.68
31.33%
OVBC
Ohio Valley Banc
42.70
9.28
27.76%
PEBK
Peoples Bancorp Of North Carolina
41.60
12.61
43.47%
MRBK
Meridian Bank
19.81
6.24
46.04%
HNVR
Hanover Bancorp Inc
23.62
1.43
6.44%
CB Financial Services Corporate Events
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...
DividendsFinancial Disclosures
CB Financial Services Posts Solid Q1 2026 Results
Positive
Apr 22, 2026
CB Financial Services reported first-quarter 2026 results on April 22, 2026, with GAAP net income of $3.9 million and adjusted net income of $3.9 million, reflecting stable non-GAAP earnings and continued improvement in net interest margin to 3.83...
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.