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CB Financial Services
(NASDAQ:CBFV)
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Rating:69Neutral
Price Target:
$43.00
â–²(15.07% Upside)
Action:Reiterated
Date:10/27/26
The score is driven primarily by improving TTM financial performance and strong free cash flow, supported by positive price trends (above key moving averages with positive MACD). The main constraints are a higher leverage profile versus prior periods and a less-attractive valuation signaled by a ~27 P/E, with corporate events providing a modest positive tailwind via solid quarterly updates, dividends, and an extended buyback program.
Positive Factors
Improving banking profitability
Improving net interest income and margin indicate that balance-sheet restructuring is supporting core banking earnings despite rate-related repricing pressure. If maintained, this gives the company a stronger recurring revenue base and supports profitability over the next several quarters.
Negative Factors
Higher balance-sheet leverage
The sharp increase in debt reduces balance-sheet flexibility compared with the prior year and can raise funding and interest burdens. Greater leverage may constrain capital allocation and leave less capacity to absorb credit weakness or pursue growth if banking conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving banking profitability
Improving net interest income and margin indicate that balance-sheet restructuring is supporting core banking earnings despite rate-related repricing pressure. If maintained, this gives the company a stronger recurring revenue base and supports profitability over the next several quarters.
Read all positive factors
CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$205.07M
Dividend Yield2.74%
Average Volume (3M)4.62K
Price to Earnings (P/E)11.1
Beta (1Y)0.50
Revenue Growth27.49%
EPS Growth607.99%
CountryUS
Employees169
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.62
Shares Outstanding5,081,584
10 Day Avg. Volume5,533
30 Day Avg. Volume4,619
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 Cap1.37
Enterprise Value/Revenue3.23
Enterprise Value/Gross Profit4.57
Enterprise Value/Ebitda12.93
Forecast
1Y Price Target
$41.00Price Target Upside9.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.17
Revenue Forecast (FY)$63.55M
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 its banking operations. The largest component is typically net interest income: the bank collects interest and fees on loans and other interest-earning assets (including investment securities) ...
CB Financial Services Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
58
Neutral
Cash Flow
76
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 86.77M | 68.64M | 79.20M | 60.03M | 54.74M | 50.06M |
| Gross Profit | 61.30M | 42.89M | 48.57M | 42.86M | 46.18M | 47.78M |
| EBITDA | 21.68M | 7.11M | 17.77M | 33.02M | 16.78M | 17.13M |
| Net Income | 18.24M | 4.90M | 12.59M | 22.55M | 11.25M | 11.57M |
Balance Sheet | ||||||
| Total Assets | 1.63B | 1.55B | 1.48B | 1.46B | 1.41B | 1.43B |
| Cash, Cash Equivalents and Short-Term Investments | 30.83M | 31.69M | 309.09M | 272.73M | 291.06M | 341.78M |
| Total Debt | 113.79M | 34.76M | 34.72M | 34.68M | 22.70M | 56.87M |
| Total Liabilities | 1.47B | 1.39B | 1.33B | 1.32B | 1.30B | 1.29B |
| Stockholders Equity | 155.97M | 157.54M | 147.38M | 139.83M | 110.16M | 133.12M |
Cash Flow | ||||||
| Free Cash Flow | 14.86M | 17.16M | 3.44M | 10.94M | 13.64M | 10.67M |
| Operating Cash Flow | 15.31M | 17.81M | 6.75M | 14.24M | 14.15M | 13.05M |
| Investing Cash Flow | -102.72M | -82.61M | -36.38M | -54.73M | -28.31M | -60.14M |
| Financing Cash Flow | 107.61M | 46.92M | 10.98M | 5.01M | -1.82M | 5.85M |
CB Financial Services Technical Analysis
Positive
37.37
Price Trends
37.60
Positive
37.21
Positive
35.89
Positive
Market Momentum
0.64
Negative
68.13
Neutral
88.01
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 37.37 is below the 20-day moving average (MA) of 38.02, below the 50-day MA of 37.60, and above the 200-day MA of 35.89, indicating a bullish trend. The MACD of 0.64 indicates Negative momentum. The RSI at 68.13 is Neutral, neither overbought nor oversold. The STOCH value of 88.01 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | $243.58M | 10.75 | 13.87% | 2.24% | 2.08% | 30.78% | |
71 Outperform | $231.12M | 15.98 | 8.46% | 2.00% | 8.40% | 2.21% | |
69 Neutral | $205.07M | 11.11 | 11.50% | 2.74% | 27.49% | 607.99% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $166.51M | 16.80 | 5.11% | 1.69% | -3.09% | -6.84% | |
63 Neutral | $226.89M | 9.06 | 12.25% | 2.87% | 1.05% | 13.95% |
* Financial Sector Average
CBFV
CB Financial Services
40.21
9.10
29.26%
OVBC
Ohio Valley Banc
49.06
14.30
41.16%
PEBK
Peoples Bancorp Of North Carolina
44.60
15.82
54.98%
MRBK
Meridian Bank
19.02
5.13
36.97%
HNVR
Hanover Bancorp Inc
23.60
3.28
16.12%
CB Financial Services Corporate Events
DividendsFinancial Disclosures
CB Financial Services Posts Strong Q3 2026 Results
Positive
Oct 26, 2026
On October 26, 2026, CB Financial Services reported third-quarter 2026 results showing higher adjusted earnings per diluted share of $0.91 and stronger returns on assets and equity, supported by consecutive quarterly increases in net interest and ...
Business Operations and StrategyStock Buyback
CB Financial Services Extends Share Repurchase Program Timeline
Positive
Sep 16, 2026
On September 16, 2026, CB Financial Services, Inc. extended the termination date of its existing share repurchase program, which authorizes buybacks of up to $5.0 million of its outstanding common stock. The program, originally scheduled to end on...
Business Operations and StrategyExecutive/Board Changes
CB Financial Services Strengthens Executive Leadership Agreements
Positive
Aug 25, 2026
On August 24, 2026, Community Bank, the wholly owned subsidiary of CB Financial Services, Inc., entered into new employment agreements with President and CEO John H. Montgomery and Senior Executive Vice President and Chief Banking Officer Bruce Sh...
Business Operations and StrategyDividendsFinancial Disclosures
CB Financial Services Reports Solid Q2 2026 Earnings
Positive
Jul 27, 2026
On July 27, 2026, CB Financial Services reported second-quarter 2026 results showing GAAP net income of $4.3 million and diluted earnings per share of $0.80, with adjusted net income of $4.3 million and adjusted diluted EPS of $0.81, supported by ...
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.