CB FINANCIAL SERVICES INC (CBFV)
US12479G1013 - Common Stock
We assign a fundamental rating of 5 out of 10 to CBFV. CBFV was compared to 412 industry peers in the Banks industry. There are concerns on the financial health of CBFV while its profitability can be described as average. CBFV is not valued too expensively and it also shows a decent growth rate. CBFV also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CBFV was profitable.
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 each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.55%, CBFV belongs to the top of the industry, outperforming 90.53% of the companies in the same industry.
CBFV has a better Return On Equity (16.13%) than 92.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 16.13% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)0.7%
ROE(3y)11.68%
ROE(5y)7.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CBFV has a Profit Margin of 32.90%. This is amongst the best in the industry. CBFV outperforms 85.92% of its industry peers.
CBFV's Profit Margin has improved in the last couple of years.
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) | 32.9% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y16.51%
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.
The number of shares outstanding for CBFV has been increased compared to 1 year ago.
The number of shares outstanding for CBFV has been reduced compared to 5 years ago.
CBFV has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CBFV is 1.34, which is an excellent value as it means it would take CBFV, only 1.34 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of CBFV (1.34) is better than 69.66% of its industry peers.
A Debt/Equity ratio of 0.10 indicates that CBFV is not too dependend on debt financing.
CBFV has a better Debt to Equity ratio (0.10) than 75.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.34 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBFV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 100.46%, which is quite impressive.
The Earnings Per Share has been growing by 20.08% on average over the past years. This is a very strong growth
The Revenue has grown by 29.95% in the past year. This is a very strong growth!
CBFV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.30% yearly.
EPS 1Y (TTM)100.46%
EPS 3Y38.36%
EPS 5Y20.08%
EPS growth Q2Q211.11%
Revenue 1Y (TTM)29.95%
Revenue growth 3Y10.1%
Revenue growth 5Y8.3%
Revenue growth Q2Q94.33%
3.2 Future
The Earnings Per Share is expected to decrease by -26.97% on average over the next years. This is quite bad
Based on estimates for the next years, CBFV will show a decrease in Revenue. The Revenue will decrease by -5.67% on average per year.
EPS Next Y-48.28%
EPS Next 2Y-26.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-15.47%
Revenue Next 2Y-5.67%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.10, which indicates a rather cheap valuation of CBFV.
96.36% of the companies in the same industry are more expensive than CBFV, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.28, CBFV is valued rather cheaply.
CBFV is valuated reasonably with a Price/Forward Earnings ratio of 9.87.
62.14% of the companies in the same industry are more expensive than CBFV, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 20.88. CBFV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.1 | ||
| Fwd PE | 9.87 |
4.2 Price Multiples
CBFV's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CBFV's earnings are expected to decrease with -26.97% in the coming years.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y-26.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CBFV has a Yearly Dividend Yield of 4.51%, which is a nice return.
Compared to an average industry Dividend Yield of 3.78, CBFV pays a bit more dividend than its industry peers.
CBFV's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
5.2 History
The dividend of CBFV has a limited annual growth rate of 0.96%.
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)0.96%
Div Incr Years1
Div Non Decr Years17
5.3 Sustainability
CBFV pays out 22.66% of its income as dividend. This is a sustainable payout ratio.
DP22.66%
EPS Next 2Y-26.97%
EPS Next 3YN/A
CB FINANCIAL SERVICES INC
NASDAQ:CBFV (5/3/2024, 7:00:02 PM)
22.3
+0.13 (+0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap114.62M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.51% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.1 | ||
| Fwd PE | 9.87 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 16.13% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 32.9% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)100.46%
EPS 3Y38.36%
EPS 5Y
EPS growth Q2Q
EPS Next Y-48.28%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)29.95%
Revenue growth 3Y10.1%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y