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CB Financial Services (CBFV)
NASDAQ:CBFV
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CB Financial Services (CBFV) AI Stock Analysis

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CBFV

CB Financial Services

(NASDAQ:CBFV)

Rating:80Outperform
Price Target:
$38.00
â–²(15.82% Upside)
CB Financial Services is well-positioned with strong financial performance, robust technical indicators, and strategic corporate actions enhancing future earnings. The valuation is reasonable, and the dividend yield adds to its attractiveness.

CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)

CB Financial Services Business Overview & Revenue Model

Company DescriptionCB 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 MoneyCB 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 metrics. The balance sheet is robust with a stable capital structure and minimal leverage risk. However, cash flow management needs attention, particularly in generating and sustaining free cash flow.
Income Statement
75
Positive
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
82
Very Positive
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
68
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue79.20M60.03M54.74M50.06M54.49M
Gross Profit48.57M42.86M46.18M47.78M44.92M
EBITDA17.77M33.02M16.78M17.13M-6.05M
Net Income12.59M22.55M11.25M11.57M-10.64M
Balance Sheet
Total Assets1.48B1.46B1.41B1.43B1.42B
Cash, Cash Equivalents and Short-Term Investments309.09M272.73M291.06M341.78M303.81M
Total Debt34.72M34.68M22.70M56.87M49.05M
Total Liabilities1.33B1.32B1.30B1.29B1.28B
Stockholders Equity147.38M139.83M110.16M133.12M134.53M
Cash Flow
Free Cash Flow3.44M10.94M13.64M10.67M13.76M
Operating Cash Flow6.75M14.24M14.15M13.05M14.08M
Investing Cash Flow-36.38M-54.73M-28.31M-60.14M-36.90M
Financing Cash Flow10.98M5.01M-1.82M5.85M103.51M

CB Financial Services Technical Analysis

Technical Analysis Sentiment
Positive
Last Price32.81
Price Trends
50DMA
30.66
Positive
100DMA
29.55
Positive
200DMA
29.06
Positive
Market Momentum
MACD
0.64
Positive
RSI
58.43
Neutral
STOCH
83.29
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 32.81 is above the 20-day moving average (MA) of 32.28, above the 50-day MA of 30.66, and above the 200-day MA of 29.06, indicating a bullish trend. The MACD of 0.64 indicates Positive momentum. The RSI at 58.43 is Neutral, neither overbought nor oversold. The STOCH value of 83.29 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
$163.58M15.287.97%3.08%20.82%-48.08%
79
Outperform
$173.12M10.1912.69%3.00%6.08%4.61%
72
Outperform
$171.95M12.429.04%2.46%14.16%24.72%
68
Neutral
$17.80B11.9410.22%3.74%9.69%1.17%
68
Neutral
$145.34M11.0111.40%2.68%12.43%9.45%
67
Neutral
$154.76M79.311.24%3.22%-2.35%-76.38%
66
Neutral
$165.23M15.125.69%1.75%8.34%-2.33%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CBFV
CB Financial Services
32.57
7.16
28.18%
BFIN
Bankfinancial
12.39
1.51
13.88%
FCAP
First Capital
43.32
13.11
43.40%
OVBC
Ohio Valley Banc
36.56
13.74
60.21%
PEBK
Peoples Bancorp Of North Carolina
31.59
5.90
22.97%
HNVR
Hanover Bancorp Inc
22.90
4.98
27.79%

CB Financial Services Corporate Events

Stock Buyback
CB Financial Services Announces Stock Repurchase Program
Neutral
Sep 4, 2025

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.

Business Operations and StrategyFinancial Disclosures
CB Financial Services Executes Balance Sheet Repositioning
Positive
Sep 2, 2025

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.

DividendsFinancial Disclosures
CB Financial Services Announces Cash Dividend and Q2 Results
Positive
Jul 22, 2025

On July 22, 2025, CB Financial Services announced a cash dividend of $0.26 per share, payable on August 29, 2025, and reported its second quarter financial results. The company achieved a net income of $3.95 million for the quarter, with a notable improvement in net interest margin to 3.54% due to strategic balance sheet repositioning and a favorable deposit mix. Noninterest expenses decreased, and asset quality remained strong, positioning the company for future growth.

Stock Buyback
CB Financial Services Completes Stock Repurchase Program
Neutral
Jun 18, 2025

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.

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.Date of analysis: Sep 03, 2025