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CB Financial Services NasdaqGM:CBFV Stock Report

Last Price

US$29.43

Market Cap

US$150.8m

7D

-7.9%

1Y

23.3%

Updated

23 Dec, 2024

Data

Company Financials +

CB Financial Services, Inc.

NasdaqGM:CBFV Stock Report

Market Cap: US$150.8m

CBFV Stock Overview

Operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. More details

CBFV fundamental analysis
Snowflake Score
Valuation5/6
Future Growth0/6
Past Performance5/6
Financial Health6/6
Dividends5/6

Rewards

Trading at 50% below our estimate of its fair value

Earnings grew by 67.6% over the past year

Pays a reliable dividend of 3.4%

Trading at good value compared to peers and industry

Risk Analysis

Earnings are forecast to decline by an average of 27.4% per year for the next 3 years


My Notes

Capture your thoughts, links and company narrative

CB Financial Services, Inc. Competitors

First Northern Community Bancorp

OTCPK:FNRN

US$152.0m

Avidbank Holdings

OTCPK:AVBH

US$171.9m

ECB Bancorp

NasdaqCM:ECBK

US$137.6m

BankFinancial

NasdaqGS:BFIN

US$158.0m

Price History & Performance

Summary of share price highs, lows and changes for CB Financial Services
Historical stock prices
Current Share PriceUS$29.43
52 Week HighUS$33.72
52 Week LowUS$20.75
Beta0.58
1 Month Change-1.90%
3 Month Change1.48%
1 Year Change23.34%
3 Year Change22.63%
5 Year Change-3.54%
Change since IPO292.40%

Recent News & Updates

CB Financial Services (NASDAQ:CBFV) Has Affirmed Its Dividend Of $0.25

Oct 31
CB Financial Services (NASDAQ:CBFV) Has Affirmed Its Dividend Of $0.25

CB Financial Services (NASDAQ:CBFV) Is Due To Pay A Dividend Of $0.25

Jul 30
CB Financial Services (NASDAQ:CBFV) Is Due To Pay A Dividend Of $0.25

Recent updates

CB Financial Services (NASDAQ:CBFV) Has Affirmed Its Dividend Of $0.25

Oct 31
CB Financial Services (NASDAQ:CBFV) Has Affirmed Its Dividend Of $0.25

CB Financial Services (NASDAQ:CBFV) Is Due To Pay A Dividend Of $0.25

Jul 30
CB Financial Services (NASDAQ:CBFV) Is Due To Pay A Dividend Of $0.25

CB Financial Services (NASDAQ:CBFV) Has Affirmed Its Dividend Of $0.25

Feb 04
CB Financial Services (NASDAQ:CBFV) Has Affirmed Its Dividend Of $0.25

CB Financial Services (NASDAQ:CBFV) Has Announced That It Will Be Increasing Its Dividend To $0.25

May 04
CB Financial Services (NASDAQ:CBFV) Has Announced That It Will Be Increasing Its Dividend To $0.25

CB Financial Services (NASDAQ:CBFV) Will Pay A Larger Dividend Than Last Year At $0.25

Feb 01
CB Financial Services (NASDAQ:CBFV) Will Pay A Larger Dividend Than Last Year At $0.25

CB Financial Services (NASDAQ:CBFV) Has Announced A Dividend Of $0.24

Nov 16
CB Financial Services (NASDAQ:CBFV) Has Announced A Dividend Of $0.24

CB Financial Services Non-GAAP EPS of $0.05 misses by $0.29, revenue of $12.27M misses by $0.86M

Jul 28

CB Financial Services announces $7.5M share repurchase program; sale of two West Virginia branches

Jun 10

CB Financial Services declares $0.24 dividend

May 04

Shareholder Returns

CBFVUS BanksUS Market
7D-7.9%-3.5%-2.7%
1Y23.3%29.1%23.4%

Return vs Industry: CBFV underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: CBFV matched the US Market which returned 23.4% over the past year.

Price Volatility

Is CBFV's price volatile compared to industry and market?
CBFV volatility
CBFV Average Weekly Movement3.7%
Banks Industry Average Movement5.2%
Market Average Movement6.3%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

Stable Share Price: CBFV has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CBFV's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1901161John Montgomerywww.communitybank.tv

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company’s primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans.

CB Financial Services, Inc. Fundamentals Summary

How do CB Financial Services's earnings and revenue compare to its market cap?
CBFV fundamental statistics
Market capUS$150.79m
Earnings (TTM)US$23.03m
Revenue (TTM)US$67.21m

6.5x

P/E Ratio

1.0x

P/B Ratio

Is CBFV overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBFV income statement (TTM)
RevenueUS$67.21m
Cost of RevenueUS$0
Gross ProfitUS$67.21m
Other ExpensesUS$44.19m
EarningsUS$23.03m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)4.49
Gross Margin100.00%
Net Profit Margin34.26%
Debt/Equity Ratio24.6%

How did CBFV perform over the long term?

See historical performance and comparison

Dividends

3.4%

Current Dividend Yield

22%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 08:47
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

CB Financial Services, Inc. is covered by 6 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Russell Elliott GuntherD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Manuel NavasD.A. Davidson & Co.