CB FINANCIAL SERVICES INC (CBFV) Stock Fundamental Analysis
NASDAQ:CBFV - US12479G1013 - Common Stock
31.62 USD
-0.55 (-1.71%)
CBFV gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. CBFV has a bad profitability rating. Also its financial health evaluation is rather negative. CBFV is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CBFV had positive earnings in the past year.
CBFV had a positive operating cash flow in the past year.
Of the past 5 years CBFV 4 years were profitable.
CBFV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CBFV has a worse Return On Assets (0.69%) than 61.07% of its industry peers.
CBFV has a Return On Equity of 6.95%. This is in the lower half of the industry: CBFV underperforms 62.34% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 6.95% | ||
| ROIC | N/A |
ROA(3y)1.07%
ROA(5y)0.65%
ROE(3y)11.63%
ROE(5y)7.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CBFV's Profit Margin of 20.55% is in line compared to the rest of the industry. CBFV outperforms 40.20% of its industry peers.
In the last couple of years the Profit Margin of CBFV has declined.
The Operating Margin and Gross Margin are not available for CBFV so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.01%
PM growth 5Y-2.48%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CBFV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBFV has more shares outstanding
Compared to 5 years ago, CBFV has less shares outstanding
CBFV has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CBFV is 2.90, which is a good value as it means it would take CBFV, 2.90 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 2.90, CBFV perfoms like the industry average, outperforming 40.20% of the companies in the same industry.
A Debt/Equity ratio of 0.10 indicates that CBFV is not too dependend on debt financing.
CBFV has a Debt to Equity ratio of 0.10. This is in the better half of the industry: CBFV outperforms 72.01% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 2.9 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBFV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -48.80%.
Measured over the past years, CBFV shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.88% on average per year.
Looking at the last year, CBFV shows a very negative growth in Revenue. The Revenue has decreased by -24.80% in the last year.
The Revenue has been decreasing by -0.07% on average over the past years.
EPS 1Y (TTM)-48.8%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%42.31%
Revenue 1Y (TTM)-24.8%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%10.8%
3.2 Future
CBFV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.06% yearly.
The Revenue is expected to grow by 8.32% on average over the next years. This is quite good.
EPS Next Y-3.78%
EPS Next 2Y5.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.87%
Revenue Next 2Y8.32%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.78, the valuation of CBFV can be described as correct.
66.16% of the companies in the same industry are cheaper than CBFV, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.76. CBFV is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 14.04 indicates a correct valuation of CBFV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CBFV indicates a slightly more expensive valuation: CBFV is more expensive than 71.25% of the companies listed in the same industry.
CBFV is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.91, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.78 | ||
| Fwd PE | 14.04 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CBFV is valued a bit more expensive than 77.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.99 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.06%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBFV has a Yearly Dividend Yield of 3.26%.
CBFV's Dividend Yield is comparable with the industry average which is at 3.41.
CBFV's Dividend Yield is a higher than the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
5.2 History
The dividend of CBFV has a limited annual growth rate of 0.88%.
CBFV has been paying a dividend for at least 10 years, so it has a reliable track record.
CBFV has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.88%
Div Incr Years0
Div Non Decr Years18
5.3 Sustainability
49.78% of the earnings are spent on dividend by CBFV. This is a bit on the high side, but may be sustainable.
CBFV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP49.78%
EPS Next 2Y5.06%
EPS Next 3YN/A
NASDAQ:CBFV (8/21/2025, 8:00:02 PM)
31.62
-0.55 (-1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.97%
Inst Owner Change9.74%
Ins Owners8.79%
Ins Owner Change0.5%
Market Cap157.15M
Analysts77.78
Price Target35.7 (12.9%)
Short Float %2.99%
Short Ratio4.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend1
Dividend Growth(5Y)0.88%
DP49.78%
Div Incr Years0
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5.97%
Min EPS beat(2)-26.47%
Max EPS beat(2)14.53%
EPS beat(4)2
Avg EPS beat(4)-1.83%
Min EPS beat(4)-26.47%
Max EPS beat(4)14.53%
EPS beat(8)4
Avg EPS beat(8)-2.77%
EPS beat(12)7
Avg EPS beat(12)-5.59%
EPS beat(16)9
Avg EPS beat(16)-7.51%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-6.61%
Max Revenue beat(2)6.14%
Revenue beat(4)1
Avg Revenue beat(4)-1.02%
Min Revenue beat(4)-6.61%
Max Revenue beat(4)6.14%
Revenue beat(8)3
Avg Revenue beat(8)5.41%
Revenue beat(12)5
Avg Revenue beat(12)3.12%
Revenue beat(16)6
Avg Revenue beat(16)2.94%
PT rev (1m)14.13%
PT rev (3m)14.13%
EPS NQ rev (1m)1.04%
EPS NQ rev (3m)1.04%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.27%
Revenue NY rev (1m)4.04%
Revenue NY rev (3m)3.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.78 | ||
| Fwd PE | 14.04 | ||
| P/S | 3.13 | ||
| P/FCF | 30.99 | ||
| P/OCF | 20.91 | ||
| P/B | 1.06 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY6.77%
EPS(NY)2.25
Fwd EY7.12%
FCF(TTM)1.02
FCFY3.23%
OCF(TTM)1.51
OCFY4.78%
SpS10.09
BVpS29.84
TBVpS27.88
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.69% | ||
| ROE | 6.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.55% | ||
| GM | N/A | ||
| FCFM | 10.11% |
ROA(3y)1.07%
ROA(5y)0.65%
ROE(3y)11.63%
ROE(5y)7.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.01%
PM growth 5Y-2.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 2.9 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 113.82% | ||
| Cap/Sales | 4.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 49.2% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC19.3%
ROIC/WACCN/A
Cap/Depr(3y)91.97%
Cap/Depr(5y)76.69%
Cap/Sales(3y)4.07%
Cap/Sales(5y)3.41%
Profit Quality(3y)65.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-48.8%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%42.31%
EPS Next Y-3.78%
EPS Next 2Y5.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-24.8%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%10.8%
Revenue Next Year7.87%
Revenue Next 2Y8.32%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-71.33%
FCF growth 3Y-31.46%
FCF growth 5Y-28.05%
OCF growth 1Y-58.72%
OCF growth 3Y-19.75%
OCF growth 5Y-17.69%