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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 $36.76, about 19.1% overvalued vs fair value, +28.2% 1Y return, ranked 946/1037 in sector.
Metrics Rev Growth 39.7% ROE 3.2% Gross Margin 62.5%
$36.76
2.62%
As of April 28, 2026
Previous close • Vol 90d: 26.5%
52-Week Range
Market Cap
$186.60M
Enterprise Value
$165.47M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$30
$56
Current: $36.76 -19% 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
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
14
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CBFV's balance between Growth (32.6%), Profitability (39.3%), and Safety (28.1%). Growth 33% Safety 28% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

44th percentile vs peers
45
Key Signals
NII Growth YoY 3.4% 57p Asset Growth YoY 4.5% 54p Equity Growth YoY 5.4% 39p EPS Growth YoY -46.0% 13p
Strengths
  • Efficiency Ratio in top 20% of peers (54.8%, 83th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-46.0%)

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
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:

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  • 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
- - -
-19.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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