CB Financial Services Statistics
Total Valuation
CBFV has a market cap or net worth of $177.64 million. The enterprise value is $159.20 million.
Important Dates
The last earnings date was Thursday, October 23, 2025, after market close.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | Nov 14, 2025 |
Share Statistics
CBFV has 5.01 million shares outstanding. The number of shares has increased by 0.82% in one year.
| Current Share Class | 5.01M |
| Shares Outstanding | 5.01M |
| Shares Change (YoY) | +0.82% |
| Shares Change (QoQ) | -6.50% |
| Owned by Insiders (%) | 9.28% |
| Owned by Institutions (%) | 45.66% |
| Float | 4.55M |
Valuation Ratios
The trailing PE ratio is 69.65 and the forward PE ratio is 10.92.
| PE Ratio | 69.65 |
| Forward PE | 10.92 |
| PS Ratio | 4.57 |
| Forward PS | 2.90 |
| PB Ratio | 1.16 |
| P/TBV Ratio | 1.24 |
| P/FCF Ratio | 13.03 |
| P/OCF Ratio | 12.36 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 59.12 |
| EV / Sales | 4.05 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.67 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.76 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 1.79%.
| Return on Equity (ROE) | 1.79% |
| Return on Assets (ROA) | 0.17% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $244,280 |
| Profits Per Employee | $16,727 |
| Employee Count | 161 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CBFV has paid $391,000 in taxes.
| Income Tax | 391,000 |
| Effective Tax Rate | 12.68% |
Stock Price Statistics
The stock price has increased by +11.57% in the last 52 weeks. The beta is 0.28, so CBFV's price volatility has been lower than the market average.
| Beta (5Y) | 0.28 |
| 52-Week Price Change | +11.57% |
| 50-Day Moving Average | 33.11 |
| 200-Day Moving Average | 30.46 |
| Relative Strength Index (RSI) | 68.11 |
| Average Volume (20 Days) | 5,707 |
Short Selling Information
The latest short interest is 119,869, so 2.39% of the outstanding shares have been sold short.
| Short Interest | 119,869 |
| Short Previous Month | 129,719 |
| Short % of Shares Out | 2.39% |
| Short % of Float | 2.64% |
| Short Ratio (days to cover) | 19.48 |
Income Statement
In the last 12 months, CBFV had revenue of $39.33 million and earned $2.69 million in profits. Earnings per share was $0.51.
| Revenue | 39.33M |
| Gross Profit | 39.33M |
| Operating Income | 3.02M |
| Pretax Income | 3.08M |
| Net Income | 2.69M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.51 |
Full Income StatementBalance Sheet
The company has $56.03 million in cash and $37.59 million in debt, giving a net cash position of $18.44 million or $3.68 per share.
| Cash & Cash Equivalents | 56.03M |
| Total Debt | 37.59M |
| Net Cash | 18.44M |
| Net Cash Per Share | $3.68 |
| Equity (Book Value) | 152.47M |
| Book Value Per Share | 30.50 |
| Working Capital | -1.27B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $14.37 million and capital expenditures -$732,000, giving a free cash flow of $13.64 million.
| Operating Cash Flow | 14.37M |
| Capital Expenditures | -732,000 |
| Free Cash Flow | 13.64M |
| FCF Per Share | $2.72 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 7.69% |
| Pretax Margin | 7.84% |
| Profit Margin | 6.85% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 34.67% |
Dividends & Yields
This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 2.98%.
| Dividend Per Share | $1.04 |
| Dividend Yield | 2.98% |
| Dividend Growth (YoY) | 2.00% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 200.41% |
| Buyback Yield | -0.82% |
| Shareholder Yield | 2.16% |
| Earnings Yield | 1.52% |
| FCF Yield | 7.68% |
Dividend DetailsAnalyst Forecast
The average price target for CBFV is $36.00, which is 2.24% higher than the current price. The consensus rating is "Buy".
| Price Target | $36.00 |
| Price Target Difference | 2.24% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 | 4 |
