CB FINANCIAL SERVICES INC (CBFV) Fundamental Analysis & Valuation

NASDAQ:CBFV • US12479G1013

Current stock price

34.81 USD
+1.25 (+3.72%)
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

  • CBFV had positive earnings in the past year.
  • CBFV had a positive operating cash flow in the past year.
  • In the past 5 years CBFV has always been profitable.
  • 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 2025 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 89.47% of its industry peers.
  • Looking at the Return On Equity, with a value of 1.76%, CBFV is doing worse than 89.21% of the companies in the same industry.
Industry RankSector Rank
ROA 0.17%
ROE 1.76%
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

  • CBFV's Profit Margin of 6.54% is on the low side compared to the rest of the industry. CBFV is outperformed by 88.68% of its industry peers.
  • In the last couple of years the Profit Margin of CBFV has declined.
  • 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 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
  • There is no outstanding debt for CBFV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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

  • The Debt to FCF ratio of CBFV is 1.08, which is an excellent value as it means it would take CBFV, only 1.08 years of fcf income to pay off all of its debts.
  • CBFV has a better Debt to FCF ratio (1.08) than 67.63% of its industry peers.
  • 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 68.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.08
Altman-Z N/A
ROIC/WACCN/A
WACC18.42%
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.
  • CBFV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -15.54%.
  • 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

  • Based on estimates for the next years, CBFV will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.06% on average per year.
  • Based on estimates for the next years, CBFV will show a quite strong growth in Revenue. The Revenue will grow by 10.95% on average per year.
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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4

4. CBFV Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.89 indicates a correct valuation of CBFV.
  • Based on the Price/Earnings ratio, CBFV is valued a bit more expensive than 61.05% of the companies in the same industry.
  • CBFV is valuated rather cheaply when we compare the Price/Earnings ratio to 25.54, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 11.38, the valuation of CBFV can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, CBFV is valued a bit more expensive than 61.84% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.70. CBFV is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.89
Fwd PE 11.38
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 12.97
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

  • The 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)0.97
PEG (5Y)1.25
EPS Next 2Y13.06%
EPS Next 3YN/A

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

6

5. CBFV Dividend Analysis

5.1 Amount

  • CBFV has a Yearly Dividend Yield of 3.33%.
  • CBFV's Dividend Yield is a higher than the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.89, CBFV pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.33%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

  • CBFV pays out 189.97% of its income as dividend. This is not a sustainable payout ratio.
  • CBFV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP189.97%
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 (3/23/2026, 8:00:03 PM)

34.81

+1.25 (+3.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-21
Inst Owners44.91%
Inst Owner Change-1.98%
Ins Owners8.98%
Ins Owner Change3.74%
Market Cap176.83M
Revenue(TTM)43.55M
Net Income(TTM)2.69M
Analysts80
Price Target39.78 (14.28%)
Short Float %2.25%
Short Ratio20.98
Dividend
Industry RankSector Rank
Dividend Yield 3.33%
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)0%
PT rev (3m)2.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-8.65%
EPS NY rev (3m)-8.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.35%
Revenue NY rev (1m)-0.79%
Revenue NY rev (3m)2.62%
Valuation
Industry RankSector Rank
PE 12.89
Fwd PE 11.38
P/S 4.29
P/FCF 12.97
P/OCF 12.31
P/B 1.16
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)2.7
EY7.76%
EPS(NY)3.06
Fwd EY8.79%
FCF(TTM)2.68
FCFY7.71%
OCF(TTM)2.83
OCFY8.13%
SpS8.11
BVpS30.01
TBVpS28.1
PEG (NY)0.97
PEG (5Y)1.25
Graham Number42.7
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)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-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
WACC18.42%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
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 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 1Y551.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y732.02%
OCF growth 3YN/A
OCF growth 5YN/A

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 4 / 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 12.89 and the Price/Book (PB) ratio is 1.16.


How financially healthy is CB FINANCIAL SERVICES INC?

The financial health rating of CB FINANCIAL SERVICES INC (CBFV) is 4 / 10.