CB FINANCIAL SERVICES INC (CBFV) Stock Fundamental Analysis

NASDAQ:CBFV • US12479G1013

37.28 USD
0 (0%)
Last: Feb 12, 2026, 11:00 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CBFV gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. CBFV may be in some trouble as it scores bad on both profitability and health. CBFV is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • CBFV had positive earnings in the past year.
  • In the past year CBFV had a positive cash flow from operations.
  • CBFV had positive earnings in 4 of the past 5 years.
  • CBFV had a positive operating cash flow in 4 of the past 5 years.
CBFV Yearly Net Income VS EBIT VS OCF VS FCFCBFV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

  • CBFV has a Return On Assets of 0.17%. This is amonst the worse of the industry: CBFV underperforms 87.40% of its industry peers.
  • CBFV has a Return On Equity of 1.76%. This is amonst the worse of the industry: CBFV underperforms 86.88% of its industry peers.
Industry RankSector Rank
ROA 0.17%
ROE 1.76%
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
CBFV Yearly ROA, ROE, ROICCBFV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

  • With a Profit Margin value of 6.54%, CBFV is not doing good in the industry: 87.14% of the companies in the same industry are doing better.
  • CBFV's Profit Margin has declined in the last couple of years.
  • CBFV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 6.54%
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
CBFV Yearly Profit, Operating, Gross MarginsCBFV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • CBFV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CBFV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CBFV Yearly Shares OutstandingCBFV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
CBFV Yearly Total Debt VS Total AssetsCBFV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

  • CBFV has a debt to FCF ratio of 1.08. This is a very positive value and a sign of high solvency as it would only need 1.08 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.08, CBFV is in the better half of the industry, outperforming 63.78% of the companies in the same industry.
  • CBFV has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • CBFV has a Debt to Equity ratio of 0.10. This is in the better half of the industry: CBFV outperforms 69.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.08
Altman-Z N/A
ROIC/WACCN/A
WACC17.81%
CBFV Yearly LT Debt VS Equity VS FCFCBFV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBFV Yearly Current Assets VS Current LiabilitesCBFV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • CBFV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.35%, which is quite impressive.
  • The Earnings Per Share has been growing by 10.35% on average over the past years. This is quite good.
EPS 1Y (TTM)32.35%
EPS 3Y7.39%
EPS 5Y10.35%
EPS Q2Q%105.71%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.96%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.27% on average over the next years. This is quite good.
  • Based on estimates for the next years, CBFV will show a quite strong growth in Revenue. The Revenue will grow by 11.68% on average per year.
EPS Next Y24.06%
EPS Next 2Y17.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.91%
Revenue Next 2Y11.68%
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.
CBFV Yearly Revenue VS EstimatesCBFV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
CBFV Yearly EPS VS EstimatesCBFV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.81, CBFV is valued correctly.
  • CBFV's Price/Earnings ratio is in line with the industry average.
  • CBFV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
  • A Price/Forward Earnings ratio of 11.13 indicates a reasonable valuation of CBFV.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CBFV is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.01, CBFV is valued rather cheaply.
Industry RankSector Rank
PE 13.81
Fwd PE 11.13
CBFV Price Earnings VS Forward Price EarningsCBFV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBFV is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 13.7
EV/EBITDA N/A
CBFV Per share dataCBFV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • CBFV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CBFV's earnings are expected to grow with 17.27% in the coming years.
PEG (NY)0.57
PEG (5Y)1.33
EPS Next 2Y17.27%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.00%, CBFV has a reasonable but not impressive dividend return.
  • CBFV's Dividend Yield is a higher than the industry average which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.80, CBFV pays a better dividend.
Industry RankSector Rank
Dividend Yield 3%

5.2 History

  • The dividend of CBFV has a limited annual growth rate of 0.88%.
  • CBFV has paid a dividend for at least 10 years, which is 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
CBFV Yearly Dividends per shareCBFV Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 189.97% of the earnings are spent on dividend by CBFV. This is not a sustainable payout ratio.
  • The dividend of CBFV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP189.97%
EPS Next 2Y17.27%
EPS Next 3YN/A
CBFV Yearly Income VS Free CF VS DividendCBFV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M
CBFV Dividend Payout.CBFV Dividend Payout, showing the Payout Ratio.CBFV Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

CB FINANCIAL SERVICES INC

NASDAQ:CBFV (2/12/2026, 11:00:48 AM)

37.28

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners46.28%
Inst Owner Change-0.33%
Ins Owners8.77%
Ins Owner Change1.35%
Market Cap186.77M
Revenue(TTM)N/A
Net Income(TTM)2.69M
Analysts80
Price Target39.78 (6.71%)
Short Float %2.55%
Short Ratio16.96
Dividend
Industry RankSector Rank
Dividend Yield 3%
Yearly Dividend1
Dividend Growth(5Y)0.88%
DP189.97%
Div Incr Years0
Div Non Decr Years18
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)42.17%
Min EPS beat(2)11.61%
Max EPS beat(2)72.74%
EPS beat(4)3
Avg EPS beat(4)18.1%
Min EPS beat(4)-26.47%
Max EPS beat(4)72.74%
EPS beat(8)6
Avg EPS beat(8)12.35%
EPS beat(12)8
Avg EPS beat(12)6.39%
EPS beat(16)11
Avg EPS beat(16)6.27%
Revenue beat(2)1
Avg Revenue beat(2)-39.84%
Min Revenue beat(2)-82.92%
Max Revenue beat(2)3.23%
Revenue beat(4)2
Avg Revenue beat(4)-20.04%
Min Revenue beat(4)-82.92%
Max Revenue beat(4)6.14%
Revenue beat(8)4
Avg Revenue beat(8)-3.31%
Revenue beat(12)5
Avg Revenue beat(12)-3.16%
Revenue beat(16)7
Avg Revenue beat(16)-1.37%
PT rev (1m)2.63%
PT rev (3m)4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)1.29%
Revenue NY rev (3m)1.29%
Valuation
Industry RankSector Rank
PE 13.81
Fwd PE 11.13
P/S 4.54
P/FCF 13.7
P/OCF 13
P/B 1.23
P/tB 1.31
EV/EBITDA N/A
EPS(TTM)2.7
EY7.24%
EPS(NY)3.35
Fwd EY8.99%
FCF(TTM)2.72
FCFY7.3%
OCF(TTM)2.87
OCFY7.69%
SpS8.22
BVpS30.43
TBVpS28.49
PEG (NY)0.57
PEG (5Y)1.33
Graham Number43
Profitability
Industry RankSector Rank
ROA 0.17%
ROE 1.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 6.54%
GM N/A
FCFM 33.12%
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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.08
Debt/EBITDA N/A
Cap/Depr 40.64%
Cap/Sales 1.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 506.76%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC17.81%
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)32.35%
EPS 3Y7.39%
EPS 5Y10.35%
EPS Q2Q%105.71%
EPS Next Y24.06%
EPS Next 2Y17.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%17.96%
Revenue Next Year14.91%
Revenue Next 2Y11.68%
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-35.49%
FCF growth 3Y-31.46%
FCF growth 5Y-28.05%
OCF growth 1Y-36.9%
OCF growth 3Y-19.75%
OCF growth 5Y-17.69%

CB FINANCIAL SERVICES INC / CBFV FAQ

Can you provide the ChartMill fundamental rating for CB FINANCIAL SERVICES INC?

ChartMill assigns a fundamental rating of 4 / 10 to CBFV.


Can you provide the valuation status for CB FINANCIAL SERVICES INC?

ChartMill assigns a valuation rating of 5 / 10 to CB FINANCIAL SERVICES INC (CBFV). This can be considered as Fairly Valued.


What is the profitability of CBFV stock?

CB FINANCIAL SERVICES INC (CBFV) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for CBFV stock?

The Price/Earnings (PE) ratio for CB FINANCIAL SERVICES INC (CBFV) is 13.81 and the Price/Book (PB) ratio is 1.23.


How financially healthy is CB FINANCIAL SERVICES INC?

The financial health rating of CB FINANCIAL SERVICES INC (CBFV) is 3 / 10.