CB FINANCIAL SERVICES INC (CBFV) Stock Fundamental Analysis
USA - NASDAQ:CBFV - US12479G1013 - Common Stock
32.48 USD
+0.26 (+0.81%)
32.48 USD
0 (0%)
CBFV gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. Both the profitability and financial health of CBFV have multiple concerns. CBFV has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years CBFV had a positive operating cash flow.
1.2 Ratios
CBFV has a Return On Assets (0.76%) which is comparable to the rest of the industry.
CBFV has a Return On Equity (7.82%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 7.82% | ||
| 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 of 22.55%. This is comparable to the rest of the industry: CBFV outperforms 45.78% of its industry peers.
In the last couple of years the Profit Margin of CBFV has declined.
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) | 22.55% | ||
| 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.
Compared to 1 year ago, CBFV has more shares outstanding
Compared to 5 years ago, CBFV has less shares outstanding
The debt/assets ratio for CBFV has been reduced compared to a year ago.
2.2 Solvency
CBFV has a debt to FCF ratio of 1.30. This is a very positive value and a sign of high solvency as it would only need 1.30 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.30, CBFV is in the better half of the industry, outperforming 62.66% of the companies in the same industry.
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 70.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CBFV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -48.80%.
The Earnings Per Share has been decreasing by -4.88% on average over the past years.
Looking at the last year, CBFV shows a very negative growth in Revenue. The Revenue has decreased by -22.55% in the last year.
The Revenue has been decreasing by -0.07% on average over the past years.
EPS 1Y (TTM)-48.8%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%42.31%
Revenue 1Y (TTM)-22.55%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%10.8%
3.2 Future
Based on estimates for the next years, CBFV will show a very strong growth in Earnings Per Share. The EPS will grow by 23.07% on average per year.
CBFV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.56% yearly.
EPS Next Y29.77%
EPS Next 2Y23.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.47%
Revenue Next 2Y9.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 15.18 indicates a correct valuation of CBFV.
69.31% of the companies in the same industry are cheaper than CBFV, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.77. CBFV is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 10.51, which indicates a very decent valuation of CBFV.
CBFV's Price/Forward Earnings is on the same level as the industry average.
CBFV is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.18 | ||
| Fwd PE | 10.51 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.3 | ||
| EV/EBITDA | N/A |
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.
CBFV's earnings are expected to grow with 23.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y23.07%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.27%, CBFV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.60, CBFV has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, CBFV pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
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 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
5.3 Sustainability
43.94% of the earnings are spent on dividend by CBFV. This is a bit on the high side, but may be sustainable.
The dividend of CBFV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.94%
EPS Next 2Y23.07%
EPS Next 3YN/A
32.48
+0.26 (+0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners44.95%
Inst Owner Change0.01%
Ins Owners8.82%
Ins Owner Change1.02%
Market Cap162.08M
Analysts77.78
Price Target36.04 (10.96%)
Short Float %2.66%
Short Ratio6.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.27% |
Yearly Dividend1
Dividend Growth(5Y)0.88%
DP43.94%
Div Incr Years0
Div Non Decr Years18
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)43.63%
Min EPS beat(2)14.53%
Max EPS beat(2)72.74%
EPS beat(4)3
Avg EPS beat(4)16.53%
Min EPS beat(4)-26.47%
Max EPS beat(4)72.74%
EPS beat(8)5
Avg EPS beat(8)9.3%
EPS beat(12)8
Avg EPS beat(12)8.32%
EPS beat(16)10
Avg EPS beat(16)4.45%
Revenue beat(2)1
Avg Revenue beat(2)-1.69%
Min Revenue beat(2)-6.61%
Max Revenue beat(2)3.23%
Revenue beat(4)2
Avg Revenue beat(4)0.57%
Min Revenue beat(4)-6.61%
Max Revenue beat(4)6.14%
Revenue beat(8)4
Avg Revenue beat(8)6.67%
Revenue beat(12)6
Avg Revenue beat(12)4.09%
Revenue beat(16)7
Avg Revenue beat(16)3.55%
PT rev (1m)0%
PT rev (3m)15.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)29.79%
EPS NY rev (1m)10.71%
EPS NY rev (3m)34.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.18 | ||
| Fwd PE | 10.51 | ||
| P/S | 3.15 | ||
| P/FCF | 14.3 | ||
| P/OCF | 12.65 | ||
| P/B | 1.09 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.14
EY6.59%
EPS(NY)3.09
Fwd EY9.51%
FCF(TTM)2.27
FCFY6.99%
OCF(TTM)2.57
OCFY7.91%
SpS10.31
BVpS29.73
TBVpS27.78
PEG (NY)0.51
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.76% | ||
| ROE | 7.82% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.55% | ||
| GM | N/A | ||
| FCFM | 22.02% |
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 | 1.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 77.33% | ||
| Cap/Sales | 2.88% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 97.63% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC18.8%
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)-48.8%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%42.31%
EPS Next Y29.77%
EPS Next 2Y23.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.55%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%10.8%
Revenue Next Year8.47%
Revenue Next 2Y9.56%
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-28.42%
FCF growth 3Y-31.46%
FCF growth 5Y-28.05%
OCF growth 1Y-26.48%
OCF growth 3Y-19.75%
OCF growth 5Y-17.69%