CB Financial Services AI Stock Analysis
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CB Financial Services (CBFV) AI Stock Analysis
CB Financial Services
(NASDAQ:CBFV)
Overall score reflects improving operating performance but tempered by rising leverage and uneven cash-flow trends. Technicals are supportive with the stock in an uptrend, valuation appears reasonable with a moderate P/E and a ~2.7% yield, and recent corporate updates (strong quarter, dividend, and extended buyback authorization) add incremental support.
CB Financial Services (CBFV) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $205.12M
- Dividend Yield
- 2.73%
- Average Volume (3M)
- 6,264
- Price to Earnings (P/E)
- 11.1
- Beta (1Y)
- 0.48
- Revenue Growth
- 27.49%
- EPS Growth
- 607.99%
- Country
- US
- Employees
- 169
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 Vir...
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) and...
CB Financial Services Financial Statement Overview
Summary
Income statement strength (score 74) is supported by ~21% net margin and ~19% TTM revenue growth, but performance has been volatile across annual periods. Balance sheet is moderate (score 63) with adequate capitalization, yet leverage has risen sharply (debt-to-equity ~0.73 vs ~0.22–0.25 prior years). Cash flow is supportive but uneven (score 58), with positive TTM FCF (~$15.2M) but a ~22% TTM decline and choppiness historically.
Income Statement
74PositiveBalance Sheet
63PositiveCash Flow
58Neutral| 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 | 15.19M | 17.16M | 3.44M | 10.94M | 13.64M | 10.67M |
| Operating Cash Flow | 15.29M | 17.81M | 6.75M | 14.24M | 14.15M | 13.05M |
| Investing Cash Flow | -126.88M | -82.61M | -36.38M | -54.73M | -28.31M | -60.14M |
| Financing Cash Flow | 81.13M | 46.92M | 10.98M | 5.01M | -1.82M | 5.85M |
CB Financial Services Technical Analysis
Price Trends
Market Momentum
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 40.34 is above the 20-day moving average (MA) of 39.33, above the 50-day MA of 38.09, and above the 200-day MA of 36.13, indicating a bullish trend. The MACD of 0.87 indicates Negative momentum. The RSI at 59.14 is Neutral, neither overbought nor oversold. The STOCH value of 77.09 is Neutral, 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.
Latest Risks Added
1 New RiskCB Financial Services Peers Comparison
Overall Rating
PEBK75Outperform
OVBC71Outperform- CBFV71Outperform
HNVR58Neutral
MRBK57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PEBK | 75Outperform | $233.15M | 10.29 | 13.87% | 2.34% | 2.08% | 30.66% |
| OVBC | 71Outperform | $226.88M | 15.69 | 8.46% | 2.03% | 8.40% | 2.21% |
| CBFV | 71Outperform | $205.56M | 11.14 | 11.50% | 2.73% | 27.49% | 607.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HNVR | 58Neutral | $151.59M | 15.45 | 5.11% | 1.84% | -3.09% | -6.80% |
| MRBK | 57Neutral | $200.02M | 8.59 | 11.30% | 3.34% | -2.24% | -4.58% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CBFV | CB Financial Services Inc | 40.34 | 7.15 | 21.53% | |
| OVBC | Ohio Valley Banc | 48.16 | 13.19 | 37.72% | |
| PEBK | Peoples Bancorp Of North Carolina | 42.69 | 12.61 | 41.91% | |
| MRBK | Meridian Bank | 16.75 | 2.57 | 18.13% | |
| HNVR | Hanover Bancorp Inc | 21.70 | -0.27 | -1.22% |
CB Financial Services Corporate Events
CB Financial Services Posts Strong Q3 2026 Results
PositiveOn 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 div...
CB Financial Services Extends Share Repurchase Program Timeline
PositiveOn 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 Se...
CB Financial Services Strengthens Executive Leadership Agreements
PositiveOn 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 Sharp...
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: Nov 10, 2026