CB FINANCIAL SERVICES INC (CBFV) Stock Fundamental Analysis
NASDAQ:CBFV - Nasdaq - US12479G1013 - Common Stock - Currency: USD
Overall CBFV gets a fundamental rating of 3 out of 10. We evaluated CBFV against 395 industry peers in the Banks industry. CBFV has a bad profitability rating. Also its financial health evaluation is rather negative. CBFV does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year CBFV was profitable.
CBFV had a positive operating cash flow in the past year.
Of the past 5 years CBFV 4 years were profitable.
In the past 5 years CBFV always reported a positive cash flow from operatings.
1.2 Ratios
CBFV's Return On Assets of 0.85% is in line compared to the rest of the industry. CBFV outperforms 52.91% of its industry peers.
With a Return On Equity value of 8.55%, CBFV perfoms like the industry average, outperforming 51.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 8.55% | ||
| 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 has a Profit Margin (24.43%) which is comparable to the rest of the industry.
CBFV's Profit Margin has declined 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) | 24.43% | ||
| 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.
CBFV has more shares outstanding than it did 1 year ago.
CBFV has less shares outstanding than it did 5 years ago.
CBFV has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CBFV is 4.28, which is a neutral value as it means it would take CBFV, 4.28 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.28, CBFV is doing worse than 67.34% 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 72.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 4.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CBFV have decreased strongly by -53.32% in the last year.
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.
CBFV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -24.80%.
Measured over the past years, CBFV shows a decrease in Revenue. The Revenue has been decreasing by -0.07% on average per year.
EPS 1Y (TTM)-53.32%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%-86.11%
Revenue 1Y (TTM)-24.8%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%-52.31%
3.2 Future
CBFV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.50% yearly.
CBFV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.97% yearly.
EPS Next Y-9.63%
EPS Next 2Y3.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.73%
Revenue Next 2Y6.97%
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
A Price/Earnings ratio of 14.26 indicates a correct valuation of CBFV.
CBFV's Price/Earnings ratio is a bit more expensive when compared to the industry. CBFV is more expensive than 67.34% of the companies in the same industry.
CBFV is valuated rather cheaply when we compare the Price/Earnings ratio to 24.21, which is the current average of the S&P500 Index.
CBFV is valuated correctly with a Price/Forward Earnings ratio of 15.78.
CBFV's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CBFV is more expensive than 73.92% of the companies in the same industry.
CBFV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 15.78 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CBFV indicates a rather expensive valuation: CBFV more expensive than 84.30% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.19 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.5%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.38%, CBFV has a reasonable but not impressive dividend return.
CBFV's Dividend Yield is comparable with the industry average which is at 3.42.
Compared to an average S&P500 Dividend Yield of 2.41, CBFV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
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 Years1
Div Non Decr Years18
5.3 Sustainability
40.73% 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.
DP40.73%
EPS Next 2Y3.5%
EPS Next 3YN/A
NASDAQ:CBFV (5/9/2025, 8:00:02 PM)
29.09
-0.48 (-1.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.35%
Inst Owner Change-4.84%
Ins Owners8.38%
Ins Owner Change5.41%
Market Cap148.36M
Analysts47.5
Price Target31.28 (7.53%)
Short Float %0.23%
Short Ratio0.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
Yearly Dividend1
Dividend Growth(5Y)0.88%
DP40.73%
Div Incr Years1
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.58%
Min EPS beat(2)-26.47%
Max EPS beat(2)5.32%
EPS beat(4)2
Avg EPS beat(4)-2.85%
Min EPS beat(4)-26.47%
Max EPS beat(4)10.45%
EPS beat(8)4
Avg EPS beat(8)-2.92%
EPS beat(12)7
Avg EPS beat(12)-5.81%
EPS beat(16)9
Avg EPS beat(16)-7.84%
Revenue beat(2)1
Avg Revenue beat(2)2.82%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)6.14%
Revenue beat(4)2
Avg Revenue beat(4)2.67%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)8.12%
Revenue beat(8)4
Avg Revenue beat(8)6.25%
Revenue beat(12)5
Avg Revenue beat(12)3.36%
Revenue beat(16)6
Avg Revenue beat(16)3.16%
PT rev (1m)0%
PT rev (3m)1.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.05%
Revenue NY rev (1m)-1.69%
Revenue NY rev (3m)-1.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.26 | ||
| Fwd PE | 15.78 | ||
| P/S | 2.88 | ||
| P/FCF | 43.19 | ||
| P/OCF | 21.98 | ||
| P/B | 1.01 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.04
EY7.01%
EPS(NY)1.84
Fwd EY6.34%
FCF(TTM)0.67
FCFY2.32%
OCF(TTM)1.32
OCFY4.55%
SpS10.11
BVpS28.9
TBVpS26.99
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 8.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.43% | ||
| GM | N/A | ||
| FCFM | 6.66% |
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 | 4.28 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 136.7% | ||
| Cap/Sales | 6.43% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 27.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC19.87%
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)-53.32%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%-86.11%
EPS Next Y-9.63%
EPS Next 2Y3.5%
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%-52.31%
Revenue Next Year4.73%
Revenue Next 2Y6.97%
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-68.61%
FCF growth 3Y-31.46%
FCF growth 5Y-28.05%
OCF growth 1Y-52.58%
OCF growth 3Y-19.75%
OCF growth 5Y-17.69%