CB FINANCIAL SERVICES INC (CBFV) Fundamental Analysis & Valuation

NASDAQ:CBFV • US12479G1013

Current stock price

35.23 USD
+0.54 (+1.56%)
Last:

This CBFV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CBFV Profitability Analysis

1.1 Basic Checks

  • In the past year CBFV was profitable.
  • CBFV had a positive operating cash flow in the past year.
  • CBFV had positive earnings in each of the past 5 years.
  • In the past 5 years CBFV always reported a positive cash flow from operatings.
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 2025 0 10M -10M 20M

1.2 Ratios

  • CBFV's Return On Assets of 0.32% is on the low side compared to the rest of the industry. CBFV is outperformed by 89.36% of its industry peers.
  • CBFV's Return On Equity of 3.11% is on the low side compared to the rest of the industry. CBFV is outperformed by 88.03% of its industry peers.
Industry RankSector Rank
ROA 0.32%
ROE 3.11%
ROIC N/A
ROA(3y)0.91%
ROA(5y)0.87%
ROE(3y)9.26%
ROE(5y)9.34%
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 2025 0 5 -5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 11.26%, CBFV is doing worse than 86.44% of the companies in the same industry.
  • 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) 11.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-19.17%
PM growth 5YN/A
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 2025 0 10 -10 20 -20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. CBFV Health Analysis

2.1 Basic Checks

  • CBFV does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CBFV has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CBFV has less shares outstanding
  • The debt/assets ratio for CBFV has been reduced compared to a year ago.
CBFV Yearly Shares OutstandingCBFV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B

2.2 Solvency

  • CBFV has a debt to FCF ratio of 0.86. This is a very positive value and a sign of high solvency as it would only need 0.86 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.86, CBFV is in the better half of the industry, outperforming 72.34% of the companies in the same industry.
  • A Debt/Equity ratio of 0.09 indicates that CBFV is not too dependend on debt financing.
  • CBFV has a better Debt to Equity ratio (0.09) than 69.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.86
Altman-Z N/A
ROIC/WACCN/A
WACC18.06%
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 2025 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 2025 10M 20M 30M 40M

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

5

3. CBFV Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 32.35% over the past year.
  • The Earnings Per Share has been growing by 10.35% on average over the past years. This is quite good.
  • Looking at the last year, CBFV shows a very negative growth in Revenue. The Revenue has decreased by -15.54% in the last year.
  • CBFV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.25% yearly.
EPS 1Y (TTM)32.35%
EPS 3Y7.39%
EPS 5Y10.35%
EPS Q2Q%105.71%
Revenue 1Y (TTM)-15.54%
Revenue growth 3Y-6.2%
Revenue growth 5Y-3.25%
Sales Q2Q%17.96%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.06% on average over the next years. This is quite good.
  • CBFV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.95% yearly.
EPS Next Y13.33%
EPS Next 2Y13.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14%
Revenue Next 2Y10.95%
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.
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

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5

4. CBFV Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.05, CBFV is valued correctly.
  • CBFV's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of CBFV to the average of the S&P500 Index (27.66), we can say CBFV is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.51, the valuation of CBFV can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CBFV.
  • The average S&P500 Price/Forward Earnings ratio is at 38.00. CBFV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.05
Fwd PE 11.51
CBFV Price Earnings VS Forward Price EarningsCBFV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CBFV is valued a bit cheaper than the industry average as 70.21% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.41
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 13.06% in the coming years.
PEG (NY)0.98
PEG (5Y)1.26
EPS Next 2Y13.06%
EPS Next 3YN/A

More info and screens

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

6

5. CBFV Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.19%, CBFV has a reasonable but not impressive dividend return.
  • CBFV's Dividend Yield is a higher than the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, CBFV pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.19%

5.2 History

  • The dividend of CBFV has a limited annual growth rate of 1.22%.
  • CBFV has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CBFV has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)1.22%
Div Incr Years1
Div Non Decr Years19
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

  • 104.75% 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.
DP104.75%
EPS Next 2Y13.06%
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 2025 0 10M -10M 20M
CBFV Dividend Payout.CBFV Dividend Payout, showing the Payout Ratio.CBFV Dividend Payout.PayoutRetained Earnings

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CBFV Fundamentals: All Metrics, Ratios and Statistics

CB FINANCIAL SERVICES INC

NASDAQ:CBFV (4/22/2026, 12:43:53 PM)

35.23

+0.54 (+1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-24
Inst Owners44.64%
Inst Owner Change0%
Ins Owners8.91%
Ins Owner Change3.74%
Market Cap178.62M
Revenue(TTM)43.55M
Net Income(TTM)4.90M
Analysts80
Price Target41.14 (16.78%)
Short Float %2.08%
Short Ratio17.24
Dividend
Industry RankSector Rank
Dividend Yield 3.19%
Yearly Dividend1.01
Dividend Growth(5Y)1.22%
DP104.75%
Div Incr Years1
Div Non Decr Years19
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.81%
Min EPS beat(2)-13.23%
Max EPS beat(2)11.61%
EPS beat(4)3
Avg EPS beat(4)21.41%
Min EPS beat(4)-13.23%
Max EPS beat(4)72.74%
EPS beat(8)5
Avg EPS beat(8)9.28%
EPS beat(12)7
Avg EPS beat(12)5.19%
EPS beat(16)10
Avg EPS beat(16)0.99%
Revenue beat(2)1
Avg Revenue beat(2)-40.63%
Min Revenue beat(2)-82.92%
Max Revenue beat(2)1.67%
Revenue beat(4)2
Avg Revenue beat(4)-21.16%
Min Revenue beat(4)-82.92%
Max Revenue beat(4)3.23%
Revenue beat(8)4
Avg Revenue beat(8)-9.25%
Revenue beat(12)6
Avg Revenue beat(12)-2.88%
Revenue beat(16)7
Avg Revenue beat(16)-2.77%
PT rev (1m)3.42%
PT rev (3m)6.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.25%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.8%
Valuation
Industry RankSector Rank
PE 13.05
Fwd PE 11.51
P/S 4.1
P/FCF 10.41
P/OCF 10.03
P/B 1.13
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)2.7
EY7.66%
EPS(NY)3.06
Fwd EY8.69%
FCF(TTM)3.38
FCFY9.61%
OCF(TTM)3.51
OCFY9.97%
SpS8.59
BVpS31.07
TBVpS29.15
PEG (NY)0.98
PEG (5Y)1.26
Graham Number43.4471 (23.32%)
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 3.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.26%
GM N/A
FCFM 39.4%
ROA(3y)0.91%
ROA(5y)0.87%
ROE(3y)9.26%
ROE(5y)9.34%
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 3Y-19.17%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.86
Debt/EBITDA N/A
Cap/Depr 35.91%
Cap/Sales 1.49%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 350.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC18.06%
ROIC/WACCN/A
Cap/Depr(3y)97.64%
Cap/Depr(5y)81.95%
Cap/Sales(3y)4.24%
Cap/Sales(5y)3.59%
Profit Quality(3y)141.91%
Profit Quality(5y)127.84%
High Growth Momentum
Growth
EPS 1Y (TTM)32.35%
EPS 3Y7.39%
EPS 5Y10.35%
EPS Q2Q%105.71%
EPS Next Y13.33%
EPS Next 2Y13.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-15.54%
Revenue growth 3Y-6.2%
Revenue growth 5Y-3.25%
Sales Q2Q%17.96%
Revenue Next Year14%
Revenue Next 2Y10.95%
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 1Y399.48%
FCF growth 3Y7.95%
FCF growth 5Y4.51%
OCF growth 1Y163.81%
OCF growth 3Y7.96%
OCF growth 5Y4.81%

CB FINANCIAL SERVICES INC / CBFV Fundamental Analysis 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.


How profitable is CB FINANCIAL SERVICES INC (CBFV) stock?

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


What is the earnings growth outlook for CB FINANCIAL SERVICES INC?

The Earnings per Share (EPS) of CB FINANCIAL SERVICES INC (CBFV) is expected to grow by 13.33% in the next year.


Can you provide the dividend sustainability for CBFV stock?

The dividend rating of CB FINANCIAL SERVICES INC (CBFV) is 6 / 10 and the dividend payout ratio is 104.75%.