CB Financial Services, Inc. (CBFV)

CB Financial Services Statistics

Total Valuation

CBFV has a market cap or net worth of $146.62 million. The enterprise value is $134.61 million.

Market Cap	146.62M
Enterprise Value	134.61M

Important Dates

The next estimated earnings date is Tuesday, April 29, 2025, after market close.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Feb 14, 2025

Share Statistics

CBFV has 5.12 million shares outstanding. The number of shares has increased by 3.51% in one year.

Current Share Class	5.12M
Shares Outstanding	5.12M
Shares Change (YoY)	+3.51%
Shares Change (QoQ)	+3.70%
Owned by Insiders (%)	8.89%
Owned by Institutions (%)	41.54%
Float	4.67M

Valuation Ratios

The trailing PE ratio is 12.03 and the forward PE ratio is 16.27.

PE Ratio	12.03
Forward PE	16.27
PS Ratio	2.94
Forward PS	2.70
PB Ratio	1.00
P/TBV Ratio	1.07
P/FCF Ratio	42.68
P/OCF Ratio	21.72
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.69
EV / Sales	2.69
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	39.19

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	10.94
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.77%.

Return on Equity (ROE)	8.77%
Return on Assets (ROA)	0.86%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$310,733
Profits Per Employee	$78,224
Employee Count	161
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBFV has paid $2.75 million in taxes.

Income Tax	2.75M
Effective Tax Rate	17.92%

Stock Price Statistics

The stock price has increased by +34.16% in the last 52 weeks. The beta is 0.36, so CBFV's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	+34.16%
50-Day Moving Average	28.47
200-Day Moving Average	27.82
Relative Strength Index (RSI)	56.40
Average Volume (20 Days)	12,945

Short Selling Information

The latest short interest is 11,004, so 0.21% of the outstanding shares have been sold short.

Short Interest	11,004
Short Previous Month	8,771
Short % of Shares Out	0.21%
Short % of Float	0.24%
Short Ratio (days to cover)	0.56

Income Statement

In the last 12 months, CBFV had revenue of $50.03 million and earned $12.59 million in profits. Earnings per share was $2.38.

Revenue	50.03M
Gross Profit	50.03M
Operating Income	16.08M
Pretax Income	29.87M
Net Income	12.59M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.38

Balance Sheet

The company has $49.57 million in cash and $37.57 million in debt, giving a net cash position of $12.00 million or $2.34 per share.

Cash & Cash Equivalents	49.57M
Total Debt	37.57M
Net Cash	12.00M
Net Cash Per Share	$2.34
Equity (Book Value)	147.38M
Book Value Per Share	28.71
Working Capital	-1.24B

Cash Flow

In the last 12 months, operating cash flow was $6.75 million and capital expenditures -$3.32 million, giving a free cash flow of $3.44 million.

Operating Cash Flow	6.75M
Capital Expenditures	-3.32M
Free Cash Flow	3.44M
FCF Per Share	$0.67

Margins

Gross Margin	n/a
Operating Margin	32.13%
Pretax Margin	30.67%
Profit Margin	25.17%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	6.87%

Dividends & Yields

This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.49%.

Dividend Per Share	$1.00
Dividend Yield	3.49%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	42.02%
Buyback Yield	-3.51%
Shareholder Yield	-0.01%
Earnings Yield	8.59%
FCF Yield	2.34%

Analyst Forecast

The average price target for CBFV is $26.00, which is -9.19% lower than the current price. The consensus rating is "Hold".

Price Target	$26.00
Price Target Difference	-9.19%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on May 11, 1999. It was a forward split with a ratio of 3:1.

Last Split Date	May 11, 1999
Split Type	Forward
Split Ratio	3:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3