image
Financial Services - Banks - Regional - NASDAQ - US
$ 26.48
-1.41 %
$ 136 M
Market Cap
11.13
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBFV stock under the worst case scenario is HIDDEN Compared to the current market price of 26.5 USD, CB Financial Services, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBFV stock under the base case scenario is HIDDEN Compared to the current market price of 26.5 USD, CB Financial Services, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CBFV stock under the best case scenario is HIDDEN Compared to the current market price of 26.5 USD, CB Financial Services, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CBFV

image
$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
76.1 M REVENUE
10.76%
74.7 M OPERATING INCOME
98.18%
12.6 M NET INCOME
-44.15%
6.75 M OPERATING CASH FLOW
-52.58%
-36.4 M INVESTING CASH FLOW
33.52%
11 M FINANCING CASH FLOW
119.07%
24.8 M REVENUE
103.92%
-7.12 M OPERATING INCOME
-186.08%
2.53 M NET INCOME
-21.41%
987 K OPERATING CASH FLOW
-67.82%
-52.8 M INVESTING CASH FLOW
-213.07%
-71.5 M FINANCING CASH FLOW
-2934.73%
Balance Sheet CB Financial Services, Inc.
image
Current Assets 309 M
Cash & Short-Term Investments 309 M
Receivables 0
Other Current Assets 0
Non-Current Assets 30.4 M
Long-Term Investments 0
PP&E 20.7 M
Other Non-Current Assets 9.73 M
91.03 %6.10 %2.87 %Total Assets$339.5m
Current Liabilities 20 M
Accounts Payable 0
Short-Term Debt 20 M
Other Current Liabilities 0
Non-Current Liabilities 14.7 M
Long-Term Debt 14.7 M
Other Non-Current Liabilities 0
57.61 %42.39 %Total Liabilities$34.7m
EFFICIENCY
Earnings Waterfall CB Financial Services, Inc.
image
Revenue 76.1 M
Cost Of Revenue 0
Gross Profit 76.1 M
Operating Expenses 1.47 M
Operating Income 74.7 M
Other Expenses 62.1 M
Net Income 12.6 M
80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0076m076m(1m)75m(62m)13mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
98.07% OPERATING MARGIN
98.07%
16.54% NET MARGIN
16.54%
8.55% ROE
8.55%
0.85% ROA
0.85%
18.05% ROIC
18.05%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis CB Financial Services, Inc.
image
60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 12.6 M
Depreciation & Amortization -694 K
Capital Expenditures 0
Stock-Based Compensation 812 K
Change in Working Capital 0
Others -9.86 M
Free Cash Flow 6.75 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets CB Financial Services, Inc.
image
CBFV has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.87% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.210.220.220.220.240.240.240.240.250.250.250.210.220.220.220.240.240.240.240.250.250.210.220.220.220.240.240.240.240.250.250.220.850.220.880.220.880.230.890.240.960.240.960.240.960.240.960.251.000.251.000.252015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 6
6. Ownership
Insider Ownership CB Financial Services, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
272 K USD 4
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
8.9 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
CB Financial Services, Inc. Announces Annual Meeting Date WASHINGTON, Pa.--(BUSINESS WIRE)--CB Financial Services, Inc. (NASDAQGM: CBFV), the holding company of Community Bank, today announced that the annual meeting of stockholders will be held on Wednesday, May 21, 2025 at 9:00 a.m. EDT at the Ralph J. Sommers, Jr. Operations Center located at 600 EverGreene Dr. in Waynesburg, Pennsylvania. About CB Financial Services, Inc CB Financial Services, Inc. is the bank holding company for Community Bank, a Pennsylvania-chartered commercial bank. Community. businesswire.com - 1 month ago
New Strong Sell Stocks for February 7th CSX, ARKAY and CBFV have been added to the Zacks Rank #5 (Strong Sell) List on February 7, 2025. zacks.com - 2 months ago
CB Financial Services (CBFV) Misses Q4 Earnings Estimates CB Financial Services (CBFV) came out with quarterly earnings of $0.35 per share, missing the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.60 per share a year ago. zacks.com - 2 months ago
CB Financial Services, Inc. Announces Fourth Quarter and Full Year 2024 Financial Results and Declares Quarterly Cash Dividend WASHINGTON, Pa.--(BUSINESS WIRE)--CB Financial Services, Inc. (“CB” or the “Company”) (NASDAQGM: CBFV), the holding company of Community Bank (the “Bank”), today announced its fourth quarter and 2024 financial results.   Three Months Ended   Year Ended   12/31/24 9/30/24 6/30/24 3/31/24 12/31/23   12/31/24 12/31/23 (Dollars in thousands, except per share data) (Unaudited)                                 Net Income (GAAP) $ 2,529   $ 3,219   $ 2,650 $ 4,196   $ 12,966     $ 12,594   $ 22,550   N. businesswire.com - 2 months ago
CB Financial Services (CBFV) Q3 Earnings and Revenues Top Estimates CB Financial Services (CBFV) came out with quarterly earnings of $0.55 per share, beating the Zacks Consensus Estimate of $0.51 per share. This compares to earnings of $0.52 per share a year ago. zacks.com - 5 months ago
CB Financial Services, Inc. Announces Third Quarter and Year-to-Date 2024 Financial Results and Declares Quarterly Cash Dividend WASHINGTON, Pa.--(BUSINESS WIRE)--CB Financial Services, Inc. (“CB” or the “Company”) (NASDAQGM: CBFV), the holding company of Community Bank (the “Bank”), today announced its third quarter and year-to-date 2024 financial results.   Three Months Ended   Nine Months Ended   9/30/24 6/30/24 3/31/24 12/31/23 9/30/23   9/30/24 9/30/23 (Dollars in thousands, except per share data) (Unaudited)                                 Net Income (GAAP) $ 3,219   $ 2,650 $ 4,196   $ 12,966   $ 2,672   $ 10,065. businesswire.com - 5 months ago
Analysts Estimate CB Financial Services (CBFV) to Report a Decline in Earnings: What to Look Out for CB Financial Services (CBFV) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 6 months ago
CB Financial Services (CBFV) Stock Jumps 5.4%: Will It Continue to Soar? CB Financial Services (CBFV) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road. zacks.com - 6 months ago
CB Financial Services (CBFV) Matches Q2 Earnings Estimates CB Financial Services (CBFV) came out with quarterly earnings of $0.52 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.54 per share a year ago. zacks.com - 8 months ago
CB Financial Services, Inc. Authorizes New Stock Repurchase Program of up to 5% of Outstanding Common Stock WASHINGTON, Pa.--(BUSINESS WIRE)--CB Financial Services, Inc. (the “Company”) (NASDAQ: CBFV), the holding company for Community Bank, announced today a program to repurchase up to 5% of the Company's outstanding shares of common stock. Based on the Company's closing stock price on July 22, 2024, the program, if fully completed, would encompass 257,095 shares, or approximately $6.0 million of shares currently outstanding. Repurchases will not occur until after the Company issues its earnings rel. businesswire.com - 8 months ago
CB Financial Services (CBFV) Q1 Earnings and Revenues Top Estimates CB Financial Services (CBFV) came out with quarterly earnings of $0.62 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.77 per share a year ago. zacks.com - 11 months ago
CB Financial Services, Inc. Announces First Quarter 2024 Financial Results and Declares Quarterly Cash Dividend WASHINGTON, Pa.--(BUSINESS WIRE)--CB Financial Services, Inc. (“CB” or the “Company”) (NASDAQGM: CBFV), the holding company of Community Bank (the “Bank”), today announced its first quarter 2024 financial results.   Three Months Ended   3/31/24 12/31/23 9/30/23 6/30/23 3/31/23 (Dollars in thousands, except per share data) (Unaudited)                     Net Income (GAAP) $ 4,196   $ 12,966   $ 2,672 $ 2,757 $ 4,156   Net Income Adjustments   (1,000 )   (9,905 )   29   78   (127 ) Adjusted Net I. businesswire.com - 11 months ago
8. Profile Summary

CB Financial Services, Inc. CBFV

image
COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 136 M
Dividend Yield 0.87%
Description 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.
Contact 100 North Market Street, Carmichaels, PA, 15320 https://www.communitybank.tv
IPO Date Oct. 7, 2003
Employees 159
Officers Mr. John H. Montgomery President, Chief Executive Officer & Director Mr. Benjamin A. Brown Executive Vice President and Director of Client Experience & Innovation Ms. Elizabeth A. Calvario Corporate Secretary Ms. Jennifer L. George Senior Executive Vice President & Chief Operating Officer Alan Bicker Executive Vice President & Chief Consumer Banking Officer Bruce Sharp Executive Vice President & Chief Commercial Banking Officer Ms. Amanda L. Engles Interim Chief Financial Officer James W. Welsh Senior Vice President & Chief Auditor Mr. Richard B. Boyer Senior Vice President of Insurance Operations