CB Financial Services (CBFV)
NASDAQ:CBFV
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CB Financial Services
(NASDAQ:CBFV)
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Rating:61Neutral
Price Target:
$37.00
â–²(6.38% Upside)
Action:ReiteratedDate:04/23/26
The score is driven primarily by solid financial footing and cash generation, offset by a meaningful profitability/ROE decline in recent years. Corporate updates around improving net interest margin, strong credit quality, and dividend actions are constructive, while technicals are neutral and valuation is a notable headwind due to the high P/E and modest yield.
Positive Factors
Conservative leverage
CB Financial’s low and improving debt-to-equity, with steadily rising equity, provides durable balance-sheet resilience. Conservative leverage supports continued lending capacity and loss absorption through cycles, improving capital flexibility for dividends, buybacks or targeted growth without stressing funding costs.
Negative Factors
Sharp ROE decline
A dramatic multi-year drop in ROE signals strained profitability and reduced efficiency converting equity into returns. Unless margins or fee income recover, low ROE constrains management choices on capital allocation, limits reinvestment and makes long-term shareholder return targets harder to achieve.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage
CB Financial’s low and improving debt-to-equity, with steadily rising equity, provides durable balance-sheet resilience. Conservative leverage supports continued lending capacity and loss absorption through cycles, improving capital flexibility for dividends, buybacks or targeted growth without stressing funding costs.
Read all positive factors
CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$177.32M
Dividend Yield2.9%
Average Volume (3M)14.48K
Price to Earnings (P/E)11.2
Beta (1Y)0.49
Revenue Growth-11.93%
EPS Growth-32.54%
CountryUS
Employees159
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.97
Shares Outstanding5,072,183
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 Cap0.90
Enterprise Value/Revenue2.33
Enterprise Value/Gross Profit3.74
Enterprise Value/Ebitda22.54
Forecast
1Y Price Target
$39.00Price Target Upside12.13% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.94
Revenue Forecast (FY)$62.60M
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 | 31.69M | 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 | 17.16M | 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
Negative
34.78
Price Trends
35.00
Negative
35.05
Negative
33.31
Positive
Market Momentum
0.31
Negative
47.39
Neutral
22.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBFV, the sentiment is Negative. The current price of 34.78 is below the 20-day moving average (MA) of 34.97, below the 50-day MA of 35.00, and above the 200-day MA of 33.31, indicating a neutral trend. The MACD of 0.31 indicates Negative momentum. The RSI at 47.39 is Neutral, neither overbought nor oversold. The STOCH value of 22.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $216.38M | 11.80 | 13.46% | 2.58% | 3.06% | 18.14% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $207.76M | 12.02 | 9.04% | 2.27% | 6.08% | 23.01% | |
61 Neutral | $177.32M | 11.17 | 4.45% | 2.90% | -11.93% | -32.54% | |
61 Neutral | $213.23M | 11.88 | 12.59% | 2.87% | 4.29% | 46.09% | |
49 Neutral | $166.75M | 21.41 | 5.22% | 1.70% | -3.40% | -39.29% |
* Financial Sector Average
CBFV
CB Financial Services
34.96
6.64
23.43%
OVBC
Ohio Valley Banc
44.10
8.52
23.95%
PEBK
Peoples Bancorp Of North Carolina
39.62
12.60
46.65%
MRBK
Meridian Bank
17.95
5.15
40.28%
HNVR
Hanover Bancorp Inc
23.25
0.97
4.36%
CB Financial Services Corporate Events
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...
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...
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.