CB Financial Services, Inc. (CBFV)

CB Financial Services Statistics

Total Valuation

CBFV has a market cap or net worth of $150.79 million. The enterprise value is $43.09 million.

Market Cap	150.79M
Enterprise Value	43.09M

Important Dates

The next estimated earnings date is Wednesday, January 29, 2025, after market close.

Earnings Date	Jan 29, 2025
Ex-Dividend Date	Nov 15, 2024

Share Statistics

CBFV has 5.12 million shares outstanding. The number of shares has increased by 3.26% in one year.

Current Share Class	5.12M
Shares Outstanding	5.12M
Shares Change (YoY)	+3.26%
Shares Change (QoQ)	+3.77%
Owned by Insiders (%)	9.34%
Owned by Institutions (%)	38.41%
Float	4.65M

Valuation Ratios

The trailing PE ratio is 6.75 and the forward PE ratio is 16.20.

PE Ratio	6.75
Forward PE	16.20
PS Ratio	2.25
Forward PS	3.00
PB Ratio	1.01
P/TBV Ratio	1.08
P/FCF Ratio	n/a
P/OCF Ratio	87.11
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	1.87
EV / Sales	0.64
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 17.45%.

Return on Equity (ROE)	17.45%
Return on Assets (ROA)	1.56%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$414,901
Profits Per Employee	$142,154
Employee Count	162
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBFV has paid $7.57 million in taxes.

Income Tax	7.57M
Effective Tax Rate	24.74%

Stock Price Statistics

The stock price has increased by +23.86% in the last 52 weeks. The beta is 0.58, so CBFV's price volatility has been lower than the market average.

Beta (5Y)	0.58
52-Week Price Change	+23.86%
50-Day Moving Average	29.86
200-Day Moving Average	25.27
Relative Strength Index (RSI)	37.66
Average Volume (20 Days)	6,248

Short Selling Information

The latest short interest is 3,212, so 0.06% of the outstanding shares have been sold short.

Short Interest	3,212
Short Previous Month	5,361
Short % of Shares Out	0.06%
Short % of Float	0.07%
Short Ratio (days to cover)	0.44

Income Statement

In the last 12 months, CBFV had revenue of $67.21 million and earned $23.03 million in profits. Earnings per share was $4.36.

Revenue	67.21M
Gross Profit	67.21M
Operating Income	32.92M
Pretax Income	29.87M
Net Income	23.03M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$4.36

Balance Sheet

The company has $147.33 million in cash and $39.63 million in debt, giving a net cash position of $107.70 million or $21.02 per share.

Cash & Cash Equivalents	147.33M
Total Debt	39.63M
Net Cash	107.70M
Net Cash Per Share	$21.02
Equity (Book Value)	149.14M
Book Value Per Share	29.07
Working Capital	-1.22B

Cash Flow

In the last 12 months, operating cash flow was $1.73 million and capital expenditures -$4.74 million, giving a free cash flow of -$3.01 million.

Operating Cash Flow	1.73M
Capital Expenditures	-4.74M
Free Cash Flow	-3.01M
FCF Per Share	-$0.59

Margins

Gross Margin	n/a
Operating Margin	48.98%
Pretax Margin	45.52%
Profit Margin	34.26%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.40%.

Dividend Per Share	$1.00
Dividend Yield	3.40%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	22.92%
Buyback Yield	-3.26%
Shareholder Yield	0.14%
Earnings Yield	15.27%
FCF Yield	-2.00%

Analyst Forecast

The average price target for CBFV is $26.00, which is -11.65% lower than the current price. The consensus rating is "Hold".

Price Target	$26.00
Price Target Difference	-11.65%
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