CB Financial Services, Inc. CBFV R2K
Company Overview
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.
Why Investors Should Care
Maintains a net profit margin of 15.1%.
Offers a dividend yield of 2.87%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +20.2%, earnings +108.6%.
- 5-Year Trend Long-term compounding — revenue CAGR 7.6%, profit CAGR 1.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 7.65% |
| 1 Year: | 20.20% |
Compounded Profit Growth
| 5 Years: | 1.17% |
| 1 Year: | 108.60% |
Stock Price Performance
| 1 Year: | +29.09% |
| 6 Months: | +5.31% |
| 3 Months: | -0.61% |
| 1 Month: | -4.30% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)43.05 · Neutral
P/E of 27.53 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Attractive dividend yield of 2.87%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CBFV CB Financial Services, Inc. R2K | 35.79 | 27.53 | $181.55M | 2.87% | - | 4.47% | 7.65% | 1.17% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 8.71M | 10.69M | 11.76M | - | 12.30M | 12.67M | 13.10M | - | 12.33M | 11.73M | 11.66M | - | 10.99M | 10.82M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | 2.29M | 2.24M | 2.13M | 1.76M | 2.04M | 1.94M | 1.57M | 2.02M | 1.70M | 1.80M | 2.06M | 1.38M | 1.36M | 970.00K | 2.29M | 2.43M | 2.92M | 2.98M | 3.75M | 4.68M | 773.00K | 2.90M | -17.39M | 3.08M | 2.85M | -223.00K | 1.98M | 3.05M | 118.00K | 3.93M | 4.16M | 2.76M | 2.67M | 4.20M | 2.65M | 3.22M | 1.91M | 3.95M | -5.70M | 3.87M |
| Diluted EPS | 0.56 | 0.55 | 0.52 | 0.43 | 0.50 | 0.48 | 0.38 | 0.49 | 0.42 | 0.44 | 0.50 | 0.33 | 0.33 | 0.19 | 0.42 | 0.46 | 0.54 | 0.55 | 0.69 | 0.85 | 0.14 | 0.54 | -3.22 | 0.57 | 0.52 | -0.04 | 0.37 | 0.58 | 0.02 | 0.77 | 0.81 | 0.54 | 0.52 | 0.82 | 0.51 | 0.60 | 0.35 | 0.74 | -1.07 | 0.73 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | 32.43M | 43.63M | 51.03M | 47.47M | 43.56M | - | - | - | - |
| Net Income | 4.22M | 4.26M | 4.29M | 8.42M | 7.58M | 6.94M | 7.05M | 14.33M | -10.64M | 11.57M | 11.25M | 22.55M | 12.59M | 4.90M |
| Diluted EPS | 1.70 | 1.72 | 1.63 | 2.07 | 1.86 | 1.69 | 1.40 | 2.63 | -1.97 | 2.15 | 2.18 | 4.40 | 2.38 | 0.92 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 546.49M | 846.31M | 830.68M | 846.08M | 934.49M | 1.28B | 1.32B | 1.42B | 1.43B | 1.41B | 1.46B | 1.48B | 1.55B |
| Total Equity | 42.09M | 44.47M | 45.01M | 81.91M | 86.90M | 89.47M | 93.26M | 137.62M | 151.10M | 134.53M | 133.12M | 110.16M | 139.83M | 147.38M | 157.54M |
| Cash & Equivalents | 42.46M | 25.30M | 16.42M | 11.75M | 11.34M | 14.28M | 20.62M | 53.35M | 80.22M | 160.91M | 119.67M | 103.70M | 68.22M | 49.57M | 31.69M |
| Total Liabilities | - | - | 501.48M | 764.40M | 743.78M | 756.61M | 841.23M | 1.14B | 1.17B | 1.28B | 1.29B | 1.30B | 1.32B | 1.33B | 1.39B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 6.72M | 8.05M | -2.40M | 51.56M | 10.57M | 11.60M | 13.66M | 17.87M | 14.08M | 13.05M | 14.15M | 14.24M | 6.75M | 17.81M |
| Investing Cash Flow | -33.11M | -14.40M | -293.15M | -28.95M | -17.52M | -85.89M | 27.47M | -11.04M | -36.90M | -60.14M | -28.31M | -54.73M | -36.38M | -82.61M |
| Financing Cash Flow | 9.23M | -2.53M | 290.88M | -23.03M | 9.89M | 80.63M | -8.39M | 20.03M | 103.51M | 5.85M | -1.82M | 5.01M | 10.98M | 46.92M |
| Capital Expenditure | -1.10M | -237.00K | -6.56M | -604.00K | -2.54M | -3.85M | -4.43M | -48.00K | -322.00K | -2.38M | -509.00K | -3.29M | -3.31M | -650.00K |
| Free Cash Flow | 5.62M | 7.81M | -8.96M | 50.96M | 8.03M | 7.76M | 9.23M | 17.82M | 13.76M | 10.67M | 13.64M | 10.94M | 3.44M | 17.16M |
| Share Buybacks | - | - | 2.90M | - | 14.00K | - | - | - | - | 4.14M | 4.80M | 843.00K | 965.00K | 6.84M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | 21.4% | 16.2% | 28.1% | -22.4% | 26.6% | - | - | - | - |
| ROE % | 9.5% | 9.5% | 5.2% | 9.7% | 8.5% | 7.4% | 5.1% | 9.5% | -7.9% | 8.7% | 10.2% | 16.1% | 8.5% | 3.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Janney Montgomery Scott LLC | 6.02% | 305.36K | $11.65M |
| 2 | Alliancebernstein L.P. | 5.00% | 253.88K | $9.68M |
| 3 | Blackrock Inc. | 4.99% | 253.19K | $9.66M |
| 4 | Vanguard Capital Management LLC | 3.83% | 194.22K | $7.41M |
| 5 | M3F, Inc. | 3.38% | 171.44K | $6.54M |
| 6 | Manufacturers Life Insurance Co. | 3.07% | 155.80K | $5.94M |
| 7 | Geode Capital Management, LLC | 2.07% | 105.16K | $4.01M |
| 8 | Bridgeway Capital Management, LLC | 1.30% | 65.84K | $2.51M |
| 9 | Waldron Private Wealth LLC | 1.19% | 60.31K | $2.30M |
| 10 | Renaissance Technologies, LLC | 1.10% | 55.60K | $2.12M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CBFV
Strength Seen in CB Financial Services (CBFV): Can Its 6.6% Jump Turn into More Strength? - Yahoo Finance
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CBFV — Frequently Asked Questions
What is the current share price of CB Financial Services, Inc. (CBFV)?
As of 2026-07-14 21:23 PDT, CB Financial Services, Inc. (CBFV) trades at $35.79 on NasdaqGM. Its 52-week range is $26.71 to $38.31.
What is the market capitalisation of CBFV?
CB Financial Services, Inc. (CBFV) has a market capitalisation of $181.55M on NasdaqGM.
What is the P/E ratio of CBFV?
CBFV trades at a trailing price-to-earnings (P/E) ratio of 27.53. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.20.
Does CBFV pay a dividend?
CB Financial Services, Inc. (CBFV) currently offers a dividend yield of 2.87%.
What is the return on equity (ROE) of CBFV?
CBFV has a return on equity (ROE) of 4.47%.
Is CBFV a good stock to buy?
This page provides a data-driven analysis of CB Financial Services, Inc. (CBFV), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.