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Company Analysis

CB Financial Services, Inc. CBFV

A comprehensive view of key metrics, scores, and financial health for CB Financial Services, Inc.

Overview of CB Financial Services, Inc.

CBFV NGM
Financial Services Banks - Regional Micro Cap
CB Financial Services, Inc. (CBFV), is a Micro Cap company, in the Banks - Regional industry, last closed at $33.64, about 11.6% overvalued vs fair value, +19.5% 1Y return, ranked 941/1004 in sector.
$33.64
-0.91%
As of March 13, 2026
Previous close • Vol 90d: 27.1%
52-Week Range
Market Cap
$169.43M
Enterprise Value
$148.30M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.cb.bank
HQ Carmichaels, PA
Employees 159
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$17
$30
$56
Current: $33.64 -12% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$76.0M
22.4%%
Interest Expense
$25.2M
Net Interest Income
$46.0M
3.4%%
Total Revenue
$68.6M
39.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$6.1M
48.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating CB Financial Services, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
27
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBFV's balance between Growth (32.8%), Profitability (27.0%), and Safety (40.2%). Growth 33% Safety 40% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

37th percentile vs peers
38
Key Signals
Asset Growth YoY 4.5% 54p Rev Growth YoY 39.7% 34p Revenue CAGR 3Y 11.2% 24p
Strengths

No notable strengths identified for this axis.

Risks
  • Growth below peer median (percentile: 37)

Profitability

31th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CB Financial Services, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$29.75
- - -
-11.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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