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CB Financial Services, Inc. (CBFV) vs Finward Bancorp (FNWD)

CB Financial Services, Inc. and Finward Bancorp are both Banks Regional companies. CB Financial Services, Inc. and Finward Bancorp are of similar size ($194.0M and $181.0M). Finward Bancorp trades at the lower P/E: 18.3× against 26.3×. Finward Bancorp grew revenue faster over the last twelve months: 0.15% against −9.38%. CB Financial Services, Inc. has the higher net margin (9.90% vs 9.65%) and the lower return on invested capital (4.10% vs 4.41%). Both pay a dividend; CB Financial Services, Inc. yields more (2.93% vs 1.14%). Across the 19 metrics below, Finward Bancorp leads on 12 and CB Financial Services, Inc. on 7.

Valuation

Metric CBFV FNWD Banks Regional median
P/E 26.26 18.31 11.98
P/S 2.61 1.76 2.34
P/B 1.18 1.01 1.19
Price to free cash flow 9.73 10.33 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.81% 5.46% 8.23%
Free cash flow yield 10.27% 9.68% 9.08%

Profitability

Metric CBFV FNWD Banks Regional median
Gross margin 66.30% 67.76% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 9.65% 18.66%
Free cash flow margin 26.86% 17.07% 21.11%
Return on equity 4.65% 5.90% 10.65%
Return on assets 0.45% 0.48% 1.13%
Return on invested capital 4.10% 4.41% 8.35%

Growth

Metric CBFV FNWD Banks Regional median
Revenue growth (TTM) (9.38%) 0.15% 6.98%
EPS growth (last fiscal year) (61.34%) (33.80%) 18.88%
Revenue growth, 5-year CAGR 3.83% 7.69% 12.38%
Net income growth, 5-year CAGR 0.00% (12.68%) 9.71%

Health

Metric CBFV FNWD Banks Regional median
Debt to equity 0.21 0.36 0.22
Current ratio 0.85 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV FNWD Banks Regional median
Dividend yield 2.93% 1.14% 2.57%
Payout ratio 0.81 0.21 0.30

Size

Metric CBFV FNWD Banks Regional median
Market cap 194.02m 180.99m 913.33m

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