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CB Financial Services, Inc. (CBFV) vs SB Financial Group, Inc. (SBFG)

CB Financial Services, Inc. and SB Financial Group, Inc. are both Banks Regional companies. CB Financial Services, Inc. and SB Financial Group, Inc. are of similar size ($194.0M and $183.5M). SB Financial Group, Inc. trades at the lower P/E: 11.0× against 26.3×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against −9.38%. SB Financial Group, Inc. has the higher net margin (17.7% vs 9.90%) and the higher return on invested capital (26.8% vs 4.10%). Both pay a dividend; CB Financial Services, Inc. yields more (2.93% vs 2.13%). Across the 19 metrics below, SB Financial Group, Inc. leads on 14 and CB Financial Services, Inc. on 5.

Valuation

Metric CBFV SBFG Banks Regional median
P/E 26.26 11.02 11.98
P/S 2.61 1.93 2.34
P/B 1.18 1.25 1.19
Price to free cash flow 9.73 7.93 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.81% 9.08% 8.23%
Free cash flow yield 10.27% 12.61% 9.08%

Profitability

Metric CBFV SBFG Banks Regional median
Gross margin 66.30% 72.07% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 17.67% 18.66%
Free cash flow margin 26.86% 24.35% 21.11%
Return on equity 4.65% 11.95% 10.65%
Return on assets 0.45% 1.08% 1.13%
Return on invested capital 4.10% 26.76% 8.35%

Growth

Metric CBFV SBFG Banks Regional median
Revenue growth (TTM) (9.38%) 8.95% 6.98%
EPS growth (last fiscal year) (61.34%) 27.33% 18.88%
Revenue growth, 5-year CAGR 3.83% 4.59% 12.38%
Net income growth, 5-year CAGR 0.00% (1.33%) 9.71%

Health

Metric CBFV SBFG Banks Regional median
Debt to equity 0.21 0.29 0.22
Current ratio 0.85 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV SBFG Banks Regional median
Dividend yield 2.93% 2.13% 2.57%
Payout ratio 0.81 0.24 0.30

Size

Metric CBFV SBFG Banks Regional median
Market cap 194.02m 183.46m 913.33m

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