34.97 USD
+0.29 (+0.84%)
34.97 USD
0 (0%)
Taking everything into account, CBFV scores 3 out of 10 in our fundamental rating. CBFV was compared to 383 industry peers in the Banks industry. CBFV has a bad profitability rating. Also its financial health evaluation is rather negative. CBFV is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- CBFV had positive earnings in the past year.
- CBFV had a positive operating cash flow in the past year.
- CBFV had positive earnings in 4 of the past 5 years.
- In the past 5 years CBFV always reported a positive cash flow from operatings.
1.2 Ratios
- CBFV has a worse Return On Assets (0.17%) than 86.95% of its industry peers.
- CBFV has a worse Return On Equity (1.76%) than 86.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.17% | ||
| ROE | 1.76% | ||
| 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
- The Profit Margin of CBFV (6.54%) is worse than 86.95% of its industry peers.
- 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) | 6.54% | ||
| 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.
- Compared to 5 years ago, CBFV has less shares outstanding
- CBFV has a better debt/assets ratio than last year.
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 63.71% of its industry peers.
- 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 69.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.08 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.37%
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 -44.66% in the last year.
- The Earnings Per Share has been decreasing by -4.88% on average over the past years.
- The Revenue for CBFV has decreased by -37.63% in the past year. This is quite bad
- CBFV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.07% yearly.
EPS 1Y (TTM)-44.66%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%34.55%
Revenue 1Y (TTM)-37.63%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%-80.94%
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 22.09% on average per year.
- CBFV is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.57% yearly.
EPS Next Y37.82%
EPS Next 2Y27.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue Next Year8.65%
Revenue Next 2Y10.57%
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
- The Price/Earnings ratio is 15.01, which indicates a correct valuation of CBFV.
- Based on the Price/Earnings ratio, CBFV is valued a bit more expensive than 63.97% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. CBFV is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 10.48, which indicates a very decent valuation of CBFV.
- The rest of the industry has a similar Price/Forward Earnings ratio as CBFV.
- CBFV is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.01 | ||
| Fwd PE | 10.48 |
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 | 12.85 | ||
| 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 22.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y27.91%
EPS Next 3Y22.09%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.00%, CBFV has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.88, CBFV has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.87, CBFV pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
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
- CBFV pays out 189.97% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of CBFV is growing, but earnings are growing more, so the dividend growth is sustainable.
DP189.97%
EPS Next 2Y27.91%
EPS Next 3Y22.09%
34.97
+0.29 (+0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners46.28%
Inst Owner Change0%
Ins Owners8.77%
Ins Owner Change1.84%
Market Cap175.20M
Revenue(TTM)41.18M
Net Income(TTM)2.69M
Analysts80
Price Target38.76 (10.84%)
Short Float %2.72%
Short Ratio16.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
Yearly Dividend1
Dividend Growth(5Y)0.88%
DP189.97%
Div Incr Years0
Div Non Decr Years18
Ex-DateN/A
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)7.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)12.16%
EPS NY rev (1m)0%
EPS NY rev (3m)6.21%
Revenue NQ rev (1m)1.35%
Revenue NQ rev (3m)2.71%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.01 | ||
| Fwd PE | 10.48 | ||
| P/S | 4.25 | ||
| P/FCF | 12.85 | ||
| P/OCF | 12.19 | ||
| P/B | 1.15 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.33
EY6.66%
EPS(NY)3.34
Fwd EY9.54%
FCF(TTM)2.72
FCFY7.78%
OCF(TTM)2.87
OCFY8.2%
SpS8.22
BVpS30.43
TBVpS28.49
PEG (NY)0.4
PEG (5Y)N/A
Graham Number39.94
Profitability
| Industry Rank | Sector 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)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
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 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 | 1.08 | ||
| 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
WACC18.37%
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)-44.66%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%34.55%
EPS Next Y37.82%
EPS Next 2Y27.91%
EPS Next 3Y22.09%
EPS Next 5YN/A
Revenue 1Y (TTM)-37.63%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%-80.94%
Revenue Next Year8.65%
Revenue Next 2Y10.57%
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-35.49%
FCF growth 3Y-31.46%
FCF growth 5Y-28.05%
OCF growth 1Y-36.9%
OCF growth 3Y-19.75%
OCF growth 5Y-17.69%
CB FINANCIAL SERVICES INC / CBFV FAQ
Can you provide the ChartMill fundamental rating for CB FINANCIAL SERVICES INC?
ChartMill assigns a fundamental rating of 3 / 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.
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 15.01 and the Price/Book (PB) ratio is 1.15.
How financially healthy is CB FINANCIAL SERVICES INC?
The financial health rating of CB FINANCIAL SERVICES INC (CBFV) is 3 / 10.