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CB Financial Services, Inc. CBFV R2K

Financial Services · Banks - Regional · United States
https://www.cb.bank

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides banking products and services for individuals and businesses. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings and checking accounts, as well as time deposit products. The company's 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 comprising retail facilities, office buildings, and other non-residential buildings, as well as multifamily properties; 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, it invests in U.S. treasuries, U.S. government agency securities, mortgage-backed securities (MBS's), collateralized mortgage obligations (CMO's), investment grade corporate bonds, obligations of states and political subdivisions, short-term instruments, collateralized loan obligations (CLO's), and other securities; and equity securities, which includes mutual funds. CB Financial Services, Inc. was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

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$35.84
+26.92% 1Y

Market & Price

Market Cap
$181.80M
Current Price
$35.84
High / Low (52W)
$36.85 / $26.64
Beta
0.28

Valuation

Stock P/E
27.57
Industry PE
12.01
Forward P/E
10.98
PEG Ratio
1.12
Book Value
$31.30
Price to Book
1.15
P/S
4.01
EV/EBITDA
-
Dividend Yield
2.98%

Profitability & Returns

ROCE
-
ROE
4.47%
ROA
0.45%
Profit Margin
15.12%
Op Margin
39.46%
EPS (Latest Qtr)
$0.73
EPS (TTM)
$1.30

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$38.25M
Total Assets
$1.55B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
10.18%
Chg in Prom Hold
-
FII / Inst Holding
44.20%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$164.47M
Total Revenue (TTM)
$45.39M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$16.80M
Shares Outstanding
5.07M
Gross Margin
0.00%
Payout Ratio
80.77%

Growth (CAGR)

Revenue 5Y
-6.00%
Profit 5Y
-24.18%
Revenue (YoY)
20.20%
Earnings (YoY)
108.60%

PROS

  • Attractive dividend yield of 2.98%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Revenue declined at -6.0% CAGR over 5 years.
  • Earnings shrank at -24.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CBFV CB Financial Services, Inc. R2K 35.84 27.57 $181.80M 2.98% - 4.47% -6.00% -24.18%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----------8.71M10.69M11.76M-12.30M12.67M13.10M-12.33M11.73M11.66M-10.99M10.82M-----------11.79M13.09M2.05M14.57M14.43M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------6.54M6.22M6.24M6.17M5.78M
Pretax Income -----------------------------------2.34M4.71M-7.02M5.27M4.58M
Tax Provision -----------------------------------427.00K766.00K-1.32M528.00K714.00K
Net Income 2.13M1.76M2.04M1.94M1.57M2.02M1.70M1.80M2.06M1.38M1.36M970.00K2.29M2.43M2.92M2.98M3.75M4.68M773.00K2.90M-17.39M3.08M2.85M-223.00K1.98M3.05M118.00K3.93M4.16M2.76M2.67M4.20M2.65M--1.91M3.95M-5.70M4.74M3.87M
Diluted EPS 0.520.430.500.480.380.490.420.440.500.330.330.190.420.460.540.550.690.850.140.54-3.220.570.52-0.040.370.580.020.770.810.540.520.820.51--0.370.74-1.140.890.73

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------51.03M47.47M-49.96M42.36M49.14M41.50M
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses --------------
Operating Income --------------
EBITDA --------------
Interest Expense ----------4.78M17.67M30.06M25.16M
Pretax Income ----------14.08M30.29M15.34M5.30M
Tax Provision ----------2.83M7.74M2.75M397.00K
Net Income 4.22M4.26M4.29M8.42M7.58M6.94M7.05M14.33M-10.64M-11.25M22.55M12.59M4.90M
Diluted EPS 1.701.721.632.071.861.691.402.63-1.97-2.184.402.380.92

Compounded Sales Growth

5 Years:-6.00%
1 Year:20.20%

Compounded Profit Growth

5 Years:-24.18%
1 Year:108.60%

Stock Price Performance

1 Year:+26.92%
6 Months:+3.68%
3 Months:+3.79%
1 Month:+0.70%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --546.49M846.31M830.68M846.08M934.49M1.28B1.32B1.42B-1.41B1.46B1.48B1.55B
Current Assets ---------------
Cash & Equivalents 42.46M25.30M16.42M11.75M11.34M14.28M20.62M53.35M80.22M160.91M-103.70M68.22M49.57M31.69M
Inventory ---------------
Receivables ----------12.86M21.14M---
Total Liabilities --501.48M764.40M743.78M756.61M841.23M1.14B1.17B1.28B-1.30B1.32B1.33B1.39B
Current Liabilities ---------------
Long Term Debt -----------14.64M34.68M14.72M14.76M
Total Debt -----------14.64M34.68M34.72M34.76M
Total Equity 42.09M44.47M45.01M81.91M86.90M89.47M93.26M137.62M151.10M134.53M-110.16M139.83M147.38M157.54M
Shares Outstanding -----------5.71M5.76M5.79M5.84M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 6.72M8.05M-2.40M51.56M10.57M11.60M13.66M17.87M14.08M-14.15M14.24M6.75M17.81M
Investing Cash Flow -33.11M-14.40M-293.15M-28.95M-17.52M-85.89M27.47M-11.04M-36.90M--28.31M-54.73M-36.38M-82.61M
Financing Cash Flow 9.23M-2.53M290.88M-23.03M9.89M80.63M-8.39M20.03M103.51M--1.82M5.01M10.98M46.92M
Capital Expenditure -1.10M-237.00K-6.56M-604.00K-2.54M-3.85M-4.43M-48.00K-322.00K--509.00K-3.29M-3.31M-650.00K
Free Cash Flow 5.62M7.81M-8.96M50.96M8.03M7.76M9.23M17.82M13.76M-13.64M10.94M3.44M17.16M
Net Change in Cash -----------15.97M-35.48M-18.65M-17.88M
Share Buybacks --2.90M-14.00K----4.14M4.80M843.00K965.00K6.84M

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------------
Operating Margin % --------------
Net Margin % -------28.1%-22.4%-22.5%53.2%25.6%11.8%
ROE % 9.5%9.5%5.2%9.7%8.5%7.4%5.1%9.5%-7.9%-10.2%16.1%8.5%3.1%
ROCE % --------------

Shareholding Pattern

Insiders
10.18%
Institutions
44.20%
Public Float
49.21%

Top Institutional Holders

#Holder% HeldSharesValue
1 Janney Montgomery Scott LLC 6.02% 305.36K $10.94M
2 Alliancebernstein L.P. 5.00% 253.88K $9.10M
3 Blackrock Inc. 4.99% 253.19K $9.07M
4 Vanguard Capital Management LLC 3.83% 194.22K $6.96M
5 M3F, Inc. 3.38% 171.44K $6.14M
6 Manufacturers Life Insurance Co. 3.07% 155.80K $5.58M
7 Geode Capital Management, LLC 2.07% 105.16K $3.77M
8 Bridgeway Capital Management, LLC 1.30% 65.84K $2.36M
9 Waldron Private Wealth LLC 1.19% 60.31K $2.16M
10 Renaissance Technologies, LLC 1.10% 55.60K $1.99M

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