CB Financial Services, Inc. (CBFV)

CB Financial Services Statistics

Total Valuation

CBFV has a market cap or net worth of $161.70 million. The enterprise value is $132.13 million.

Market Cap	161.70M
Enterprise Value	132.13M

Important Dates

The last earnings date was Tuesday, July 22, 2025, after market close.

Earnings Date	Jul 22, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

CBFV has 4.97 million shares outstanding. The number of shares has increased by 5.48% in one year.

Current Share Class	4.97M
Shares Outstanding	4.97M
Shares Change (YoY)	+5.48%
Shares Change (QoQ)	-2.54%
Owned by Insiders (%)	9.90%
Owned by Institutions (%)	41.77%
Float	4.48M

Valuation Ratios

The trailing PE ratio is 15.13 and the forward PE ratio is 12.82.

PE Ratio	15.13
Forward PE	12.82
PS Ratio	3.32
Forward PS	2.91
PB Ratio	1.09
P/TBV Ratio	1.17
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.39
EV / Sales	2.65
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 7.97%.

Return on Equity (ROE)	7.97%
Return on Assets (ROA)	0.75%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$309,981
Profits Per Employee	$72,081
Employee Count	161
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBFV has paid $2.46 million in taxes.

Income Tax	2.46M
Effective Tax Rate	17.50%

Stock Price Statistics

The stock price has increased by +35.05% 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	+35.05%
50-Day Moving Average	28.77
200-Day Moving Average	28.97
Relative Strength Index (RSI)	76.19
Average Volume (20 Days)	45,557

Short Selling Information

The latest short interest is 115,804, so 2.33% of the outstanding shares have been sold short.

Short Interest	115,804
Short Previous Month	112,717
Short % of Shares Out	2.33%
Short % of Float	2.59%
Short Ratio (days to cover)	2.69

Income Statement

In the last 12 months, CBFV had revenue of $49.91 million and earned $11.61 million in profits. Earnings per share was $2.15.

Revenue	49.91M
Gross Profit	49.91M
Operating Income	14.27M
Pretax Income	29.87M
Net Income	11.61M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.15

Balance Sheet

The company has $64.51 million in cash and $34.74 million in debt, giving a net cash position of $29.77 million or $5.99 per share.

Cash & Cash Equivalents	64.51M
Total Debt	34.74M
Net Cash	29.77M
Net Cash Per Share	$5.99
Equity (Book Value)	148.36M
Book Value Per Share	29.84
Working Capital	-1.24B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	28.60%
Pretax Margin	28.19%
Profit Margin	23.25%
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 3.08%.

Dividend Per Share	$1.00
Dividend Yield	3.08%
Dividend Growth (YoY)	1.00%
Years of Dividend Growth	n/a
Payout Ratio	47.03%
Buyback Yield	-5.48%
Shareholder Yield	-2.40%
Earnings Yield	7.17%
FCF Yield	n/a

Analyst Forecast

The average price target for CBFV is $35.50, which is 9.16% higher than the current price. The consensus rating is "Buy".

Price Target	$35.50
Price Target Difference	9.16%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair 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	2