CB Financial Services, Inc.

CB Financial Services, Inc.

CBFVยทNASDAQ

$33.92

-0.56%
Financial ServicesBanks - Regional

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 deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its 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, such as retail facilities, office buildings, and other non-residential buildings; 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, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates through its main office and 13 branch offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio, as well as one loan production offices in Allegheny County. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$172.06M
EPS0.9700
P/E Ratio34.97
Earnings Date07/22/2026
CB Financial Services, Inc.

CB Financial Services, Inc. Fair Value Envelope

CBFV ยท NASDAQ

Our analysis suggests that CBFV has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $33.92, this represents a potential HIDDEN relative to our calculated worth for CB Financial Services, Inc..

Intrinsic Value
Current Price: $33.92

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$160.7B
+ Cash & Equivalents$31.7M
Firm Value$160.8B
- Debt$34.8M
Equity Value$160.7B
/ Shares Outstanding4,985,560B
DCF Value$32.2K
UNDERVALUED BY 94939%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$35.6M
$71.2M
$142.5M
$284.9M
$569.8M
$1.1B
$2.3B
$4.6B
$9.1B
$18.2B
Maintenance CapEx
-$260.0K
-$520.0K
-$1.0M
-$2.1M
-$4.2M
-$8.3M
-$16.6M
-$33.3M
-$66.6M
-$133.1M
Owner Earnings
$35.4M
$70.7M
$141.4M
$282.8M
$565.7M
$1.1B
$2.3B
$4.5B
$9.1B
$18.1B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$32.7M
$60.6M
$112.3M
$207.9M
$385.0M
$712.9M
$1.3B
$2.4B
$4.5B
$8.4B
Terminal Value represents 88.7% of Enterprise Value