CB Financial Services, Inc. CBFV

37.05 (0.06) (0.16%) as of 25 Sep
Market cap
$188.6M
P/E
25.9×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.03
Total sells 0.23
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — — — — — — — —
Sell — — — — 3 1 — — — — 2 —
Insider Ownership 9.33%

Capital & Financial Ratios

Market Cap 188.58
Revenue 72.88
Net Income 7.21
Free Cash Flow 19.57
Net Debt (41.31)
Current Ratio 0.85
Debt/Equity 0.21
P/E ratio 25.91
P/S ratio 2.58
P/B ratio 1.16
Past 5Y EPS Growth (2.01%)
This Y EPS Growth 16.85%
Next Y EPS Growth 8.32%
Next 5Y EPS Growth 21.49%
in millions of $

Dividends

Payout Ratio 0.34
Annual Dividend Rate 1.00
Annual Dividend Yield 4.50%
total individual payouts
2027 Powerpack
2026 1.10
0.28
0.28
0.28
2025 1.02
0.25
0.25
0.26
0.26
2024 1.00
0.25
0.25
0.25
0.25
2023 1.00
0.25
0.25
0.25
0.25
2022 0.96
0.24
0.24
0.24
0.24
2021 0.99
0.24
0.03
0.24
0.24
0.24
2020 0.96
0.24
0.24
0.24
0.24
2019 0.96
0.24
0.24
0.24
0.24
2018 0.89
0.22
0.22
0.22
0.23
2017 0.88
0.22
0.22
0.22
0.22
2016 0.88
0.22
0.22
0.22
0.22
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 68 50 32 76
Receivables — — — —
Inventory — — — —
Other — — — —
1,169 1,133 1,184 1,245
2023 2024 2025 Q'26
Payables 1,267 1,284 1,340 1,380
ST’ Debt — — — —
Other — — — —
1,282 1,299 1,355 1,460
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 5.69% 3.83% 6.09%
Cash Flow (10.09%) 4.81% 7.96%
Earnings (5.26%) 0.00% (24.18%)
Book Value 6.13% 3.21% 12.67%

Revenue

Mar Jun Sep Dec Year
’26 21 22 — — —
’25 19 20 9 22 69
’24 20 20 21 21 82
’23 17 17 18 33 86
’22 13 13 15 16 58
’21 14 13 13 20 60
’20 14 14 14 15 57
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 3 7 — — —
’25 4 4 5 5 18
’24 3 (1) 3 2 7
’23 7 1 9 (3) 14
’22 3 2 4 5 14
’21 4 (2) 1 10 13
’20 4 3 3 5 14
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 3 7 — — —
’25 4 4 5 5 17
’24 3 (2) 2 1 4
’23 7 0 9 (5) 11
’22 3 2 4 5 14
’21 4 (4) 1 12 12
’20 4 3 2 5 14
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.73 0.80 — — —
’25 0.35 0.74 (1.07) 0.89 0.92
’24 0.82 0.51 0.60 0.46 2.38
’23 0.79 0.54 0.52 2.52 4.40
’22 0.58 0.02 0.77 0.81 2.18
’21 0.52 (0.04) 0.37 1.31 2.15
’20 0.14 0.54 (3.22) 0.57 (1.97)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
19.00 25.10 22.82 22.77 16.25 17.76 20.49 17.20 20.75 26.01

Analyst estimates 2026–2028

Powerpack
Low Price
26.90 31.50 36.95 30.90 30.95 25.00 26.80 24.98 33.72 37.45
High Price
200 201 269 266 260 198 187 162 161 174
Employees
0 0 0 0 0 0 0 1 1 0
Revenue/Emp
39 40 52 60 57 60 58 86 82 69
Revenue
92.71% 91.61% 88.55% 86.82% 90.23% 94.31% 91.69% 79.51% 63.17% 63.38%
Gross Margin
11 10 9 16 (9) 15 14 30 15 5
EBT
27.15% 24.40% 16.53% 26.94% (16.50%) 24.56% 24.47% 35.12% 18.80% 7.71%
EBT Margin
8 7 7 14 (11) 12 11 23 13 5
Net Income
3 3 3 4 22 4 3 3 2 1
Depreciation
9.65 9.84 10.43 10.97 10.53 11.12 11.20 16.86 15.90 13.64
Revenue/Sh
1.86 1.70 1.42 2.64 (1.97) 2.15 2.19 4.41 2.45 0.97
Earnings/Sh
2.59 2.84 2.74 3.29 2.60 2.43 2.75 2.78 1.31 3.54
Cash Flow/Sh
(0.16) (0.79) (0.85) 0.20 (0.02) (0.23) 0.00 (0.61) (0.45) (0.12)
Capex/Sh
2.43 2.05 1.90 3.49 2.58 2.20 2.76 2.18 0.86 3.41
Free CF/Sh
21.92 22.81 27.62 27.80 24.89 24.74 21.44 27.34 28.71 31.28
Book Value/Sh
4 4 5 5 5 5 5 5 5 5
Shares
13.99 17.62 17.45 11.42 0.00 11.09 9.88 5.43 11.62 35.94
PE Ratio
2.70 3.04 2.38 2.75 1.90 2.17 1.93 1.42 1.80 2.56
PS Ratio
1.19 1.31 0.90 1.08 0.80 0.97 1.01 0.87 1.00 1.11
PB Ratio
3.05 3.14 1.73 1.64 (0.79) 0.46 0.38 1.03 1.62 2.60
EV/Sales
12.12 15.09 9.54 5.15 (3.21) 2.32 1.56 7.96 29.82 10.39
EV/FCF
11 12 14 18 14 13 14 14 7 18
Op' Cash Flow
(1) (3) (4) 1 0 (1) 0 (3) (2) (1)
Capex
10 8 9 19 14 12 14 11 4 17
FCF
(40) (61) (167) (134) (81) (146) (143) (113) (166) (172)
Working Cap'
28 25 20 14 8 18 15 35 35 35
Total Debt
14 4 (33) (66) (153) (102) (89) (34) (15) 3
Net Debt
89 93 138 151 135 133 110 140 147 158
Sh' Equity
0.90% 0.78% 0.64% 1.10% (0.78%) 0.81% 0.79% 1.57% 0.86% 0.32%
ROA
6.48% 6.55% 5.66% 11.82% 0.00% 31.95% 41.72% 17.81% 7.24% 2.06%
ROIC
8.60% 7.60% 6.11% 9.92% (7.45%) 8.65% 9.25% 18.04% 8.77% 3.22%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

CB Financial Services, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

CB Financial Services, Inc. (CBFV) key facts

  • CB Financial Services, Inc. (CBFV) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • CB Financial Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $68.7 million, down 15.8% from fiscal 2024.
  • Net income was $4.9 million, or $0.97 per share (basic), a net margin of 7.14%.
  • As of September 25, 2026, CBFV traded at $37.05, a market capitalization of $188.6 million.
  • At that price the stock trades at 25.9× trailing-twelve-month earnings and 2.6× sales.
  • CB Financial Services, Inc. pays an annual dividend of $1.00 per share, a yield of 4.50%, with a payout ratio of 33.6%.
  • Return on equity was 3.22% and debt-to-equity 0.21.

Source: company filings (standardised) and stockrow calculations.

CB Financial Services, Inc. (CBFV) Latest News

News by impact score

Fine-tune

27 Jul

3

CB Financial Services (CBFV) beat Q2 earnings and revenue estimates. Q2 earnings and revenue beat indicates stronger quarterly results than expected.

22 Apr

3

CB Financial Services (CBFV) surpassed analyst estimates for its first quarter earnings. Positive earnings surprise may improve near-term market sentiment towards the company's shares.

3

CB Financial Services, Inc. (CBFV) beat Q1 earnings estimates. Beating quarterly earnings estimates boosts short-term investor sentiment and financial performance outlook without fundamentally altering long-term trajectory.

3

CB Financial Services, Inc. (CBFV) announced first quarter 2026 financial results and declared a quarterly cash dividend. Quarterly earnings results and dividend declarations moderately influence financial performance perceptions and stock price movements.

11 Feb

4

CB Financial Services, Inc. (CBFV) is highlighted as a top dividend stock for February 2026, showcasing its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, reflecting a solid business model and growth potential. Investors are encouraged to consider CBFV for its attractive yield and stability in the current market environment. CBFV's consistent dividend growth and strong financial performance indicate significant potential for future market impact.

27 Jan

4

CB Financial Services, Inc. (CBFV) reported its Q4 earnings, showcasing a notable increase in net income compared to the previous year. The company's earnings per share exceeded analysts' expectations, driven by strong loan growth and improved asset quality. Additionally, CBFV's management highlighted strategic initiatives aimed at enhancing operational efficiency and expanding market presence. The positive financial results reflect the company's resilience in a challenging economic environment, positioning it favorably for future growth. Significant earnings growth and strategic initiatives indicate a strong potential for future performance improvement.

4

CB Financial Services, Inc. (CBFV) reported its financial results for the fourth quarter and full year of 2025, highlighting a strong performance. The company also announced an 8% increase in its quarterly cash dividend, reflecting its commitment to returning value to shareholders. These results indicate positive growth and financial stability for CBFV. The dividend increase and strong financial results suggest significant positive momentum for the company's future performance.

3

CB Financial Services, Inc. (CBFV) reported its Q4 earnings, which fell short of analysts' expectations. The company's financial performance was impacted by various factors, leading to a decline in key metrics compared to previous quarters. Investors reacted negatively to the news, reflecting concerns about the company's future growth prospects. Earnings lagging estimates may moderately affect investor sentiment and financial performance.

3

Amanda L. Engles has been promoted to Executive Vice President and Chief Financial Officer of CB Financial Services, Inc. This appointment reflects the company's commitment to strong leadership and financial management as it continues to navigate the evolving financial landscape. Leadership changes at the executive level can moderately influence the company's financial performance and strategic direction.

12 Jan

3

CB Financial Services, Inc. (CBFV) is highlighted as one of three dividend stocks yielding between 3% and 5.1%, making it an attractive option for income-focused investors. The article emphasizes the importance of dividend yields in generating income and suggests that CBFV's performance may appeal to those looking for stable returns in their portfolios. CBFV's dividend yield may influence investor sentiment and financial performance, but the overall effect is expected to be limited.

24 Dec

4

CB Financial Services, Inc. (CBFV) has been upgraded to a 'Strong Buy' rating due to positive financial performance indicators and strategic growth initiatives. Analysts highlight the company's robust earnings growth, improved asset quality, and effective management strategies as key factors driving this upgrade. The favorable market conditions and the company's proactive approach to expanding its services further support the optimistic outlook for CBFV's future performance. The upgrade reflects significant improvements in financial performance and strategic initiatives that could alter the company's trajectory.

3

CB Financial Services, Inc. (CBFV) has been highlighted as one of the best income stocks to buy as of December 24. The company is recognized for its strong dividend yield and consistent performance, making it an attractive option for income-focused investors. Analysts suggest that CBFV's financial stability and growth potential position it well in the current market environment, appealing to those seeking reliable income streams. CBFV's recognition as a top income stock indicates a moderately noticeable influence on its market performance and investor sentiment.

10 Dec

4

CB Financial Services, Inc. (CBFV) has attracted significant interest from institutional investors, holding a 46% stake in the company. This level of investment indicates confidence in CBFV's potential for growth and stability in the financial sector, suggesting a positive outlook for the company's future performance. The substantial institutional stake indicates a significant shift in investor sentiment and potential strategic advantages for CBFV.

24 Nov

3

Craig L. Kauffman has been appointed to the Board of Directors of CB Financial Services, Inc. His extensive experience in the financial services industry is expected to contribute positively to the company's strategic direction and governance. Kauffman's appointment may enhance the company's governance and strategic insights, but its overall impact on performance is expected to be limited.

14 Nov

4

CB Financial Services, Inc. (CBFV) is experiencing rising earnings estimates, which may indicate potential for stock price appreciation. Analysts are optimistic about the company's financial performance, suggesting that improved earnings could attract investor interest and drive the stock higher. The positive sentiment surrounding CBFV's earnings outlook reflects confidence in its operational strategies and market positioning. Rising earnings estimates are likely to significantly influence investor sentiment and the company's market performance.

11 Nov

4

CB Financial Services, Inc. (CBFV) has shown strong performance this year, outpacing its finance peers in key metrics. The company's stock has experienced notable gains, driven by strategic initiatives and favorable market conditions. Analysts highlight CBFV's robust financial health and effective management as contributing factors to its competitive edge. The positive trajectory is expected to continue, positioning CBFV favorably within the finance sector. CBFV's strong performance and strategic initiatives are likely to significantly impact its future market position.

30 Oct

4

CB Financial Services, Inc. (CBFV) is highlighted as a top dividend stock to consider in October 2025, reflecting its strong financial performance and commitment to returning value to shareholders. The company has consistently increased its dividend payouts, making it an attractive option for income-focused investors. Analysts suggest that CBFV's solid fundamentals and growth potential position it well in the current market environment, particularly for those seeking reliable dividend income. CBFV's consistent dividend growth and strong financial performance are likely to significantly influence investor sentiment and market positioning.

25 Oct

3

CB Financial Services, Inc. (CBFV) faces challenges to its bullish growth narrative following a drop in margins, which raises concerns after a one-off earnings boost. The company's financial performance may be impacted as it navigates these margin pressures, potentially affecting investor sentiment and future growth prospects. Margin drops could moderately influence financial performance and market positioning.

23 Oct

4

CB Financial Services, Inc. (CBFV) reported better-than-expected earnings and revenue for the third quarter, surpassing analysts' estimates. The company's strong performance reflects effective management and growth strategies, contributing to positive investor sentiment. CBFV's results indicate resilience in its operations and potential for continued success in the financial sector. Strong earnings and revenue growth can significantly enhance investor confidence and influence future market performance.

4

CB Financial Services, Inc. (CBFV) reported its Q3 earnings, showing a notable increase in net income compared to the previous year. The company's total assets and deposits also grew, reflecting strong operational performance. Management highlighted strategic initiatives aimed at enhancing customer service and expanding market reach. Overall, the results indicate a positive trajectory for CBFV amidst a competitive banking landscape. Significant growth in net income and assets suggests a strong operational performance that could positively influence future market positioning.

3

CB Financial Services, Inc. (CBFV) reported its financial results for the third quarter of 2025, highlighting key metrics such as revenue and net income. The company also declared a quarterly cash dividend, reflecting its commitment to returning value to shareholders. These results indicate a stable financial performance amid market conditions. The financial results and dividend declaration suggest a moderately noticeable influence on the company's performance and market sentiment.

10 Oct

4

CB Financial Services, Inc. (CBFV) is highlighted as a strong dividend stock due to its consistent dividend payments, solid financial performance, and attractive yield compared to industry peers. The company has demonstrated resilience in its operations, maintaining a stable payout ratio and showing growth in earnings. Investors are encouraged to consider CBFV for its reliable income potential and favorable market position. The company's strong dividend performance and financial stability indicate a significant impact on future market performance and investor sentiment.

1 Oct

3

CB Financial Services, Inc. (CBFV) is highlighted as one of three reliable dividend stocks yielding at least 3%. The article emphasizes the company's consistent dividend payments and financial stability, making it an attractive option for income-focused investors. CBFV's strong performance in the financial sector is noted, along with its commitment to returning value to shareholders through dividends. CBFV's reliable dividend yield and financial stability may moderately influence investor sentiment and financial performance.

24 Sep

4

CB Financial Services, Inc. (CBFV) is highlighted as a top dividend stock due to its consistent dividend payments and strong financial performance. The company has demonstrated resilience in its operations, making it an attractive option for income-focused investors. With a solid track record of dividend growth and a commitment to shareholder returns, CBFV stands out in the financial sector. Analysts suggest that its stable earnings and prudent management strategies position it well for future growth, further enhancing its appeal as a reliable dividend investment. CBFV's strong financial performance and commitment to dividend growth indicate significant potential for future market impact.

4 Sep

3

CB Financial Services, Inc. has authorized a new stock repurchase program allowing for the buyback of up to $5 million worth of its common stock. This initiative aims to enhance shareholder value and reflects the company's confidence in its financial position. The program is set to be executed in accordance with applicable laws and regulations. The stock repurchase program is expected to moderately influence market sentiment and financial performance.

2 Sep

4

CB Financial Services, Inc. has undertaken a strategic repositioning of its balance sheet to enhance financial stability and operational efficiency. This initiative includes optimizing asset allocation and improving capital management practices, aimed at strengthening the company's overall financial health and positioning it for future growth. The adjustments are expected to better align the company's resources with its strategic objectives, ultimately benefiting stakeholders and enhancing shareholder value. The balance sheet repositioning is a significant strategic move that could alter the company's trajectory and investor sentiment.

28 Aug

4

CB Financial Services, Inc. (CBFV) has been highlighted as one of the best dividend stocks for reliable income in August 2025. The company is recognized for its consistent dividend payments, making it an attractive option for income-focused investors. Analysts emphasize CBFV's strong financial health and commitment to returning value to shareholders through dividends, positioning it favorably in the current market environment. CBFV's recognition as a top dividend stock indicates significant investor interest and potential for enhanced market performance.

18 Aug

4

CB Financial Services, Inc. (CBFV) is highlighted as a strong investment choice due to its solid financial performance, strategic growth initiatives, and favorable market conditions. The company has demonstrated resilience and adaptability, positioning itself well for future opportunities. Analysts suggest that CBFV's focus on enhancing customer experience and expanding its service offerings could lead to sustained growth and increased shareholder value. Significant growth initiatives and favorable market conditions are likely to impact the company's future performance positively.

12 Aug

4

CB Financial Services, Inc. (CBFV) is highlighted as a strong 'buy the bottom' stock due to its recent performance and potential for recovery. Analysts suggest that the stock is undervalued, presenting an opportunity for investors to capitalize on its growth prospects. The company has shown resilience in its operations and is well-positioned to benefit from favorable market conditions. With strategic initiatives in place, CBFV is expected to enhance its competitive edge and deliver improved financial results in the near future. The company's strategic initiatives and market positioning are likely to significantly impact its future performance and investor sentiment.

7 Aug

3

CB Financial Services, Inc. (CBFV) has recently exhibited a golden cross signal, a technical indicator suggesting potential upward momentum in its stock price. This pattern occurs when a short-term moving average crosses above a long-term moving average, often interpreted as a bullish sign by investors. Analysts are now evaluating whether this signal warrants a buy recommendation, considering the implications for future performance and market sentiment. The golden cross signal indicates a potential positive shift in market sentiment, but its overall impact on the company's trajectory remains uncertain.

stockrow.com/CBFV · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com