CB Financial Services, Inc. (CBFV)

CB Financial Services Statistics

Total Valuation

CBFV has a market cap or net worth of $143.97 million. The enterprise value is $121.32 million.

Market Cap	143.97M
Enterprise Value	121.32M

Important Dates

The next estimated earnings date is Wednesday, July 23, 2025, after market close.

Earnings Date	Jul 23, 2025
Ex-Dividend Date	May 16, 2025

Share Statistics

CBFV has 5.02 million shares outstanding. The number of shares has increased by 4.97% in one year.

Current Share Class	5.02M
Shares Outstanding	5.02M
Shares Change (YoY)	+4.97%
Shares Change (QoQ)	-1.33%
Owned by Insiders (%)	9.80%
Owned by Institutions (%)	41.08%
Float	4.53M

Valuation Ratios

The trailing PE ratio is 14.96 and the forward PE ratio is 14.75.

PE Ratio	14.96
Forward PE	14.75
PS Ratio	2.97
Forward PS	2.61
PB Ratio	0.99
P/TBV Ratio	1.04
P/FCF Ratio	28.39
P/OCF Ratio	19.15
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.77
EV / Sales	2.45
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	23.92

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	7.62
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.11%.

Return on Equity (ROE)	7.11%
Return on Assets (ROA)	0.70%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$307,733
Profits Per Employee	$64,019
Employee Count	161
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBFV has paid $2.26 million in taxes.

Income Tax	2.26M
Effective Tax Rate	17.96%

Stock Price Statistics

The stock price has increased by +28.82% in the last 52 weeks. The beta is 0.33, so CBFV's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	+28.82%
50-Day Moving Average	28.73
200-Day Moving Average	28.69
Relative Strength Index (RSI)	44.15
Average Volume (20 Days)	12,295

Short Selling Information

The latest short interest is 19,856, so 0.40% of the outstanding shares have been sold short.

Short Interest	19,856
Short Previous Month	20,748
Short % of Shares Out	0.40%
Short % of Float	0.44%
Short Ratio (days to cover)	1.17

Income Statement

In the last 12 months, CBFV had revenue of $49.55 million and earned $10.31 million in profits. Earnings per share was $1.92.

Revenue	49.55M
Gross Profit	49.55M
Operating Income	13.94M
Pretax Income	29.87M
Net Income	10.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.92

Balance Sheet

The company has $61.27 million in cash and $38.63 million in debt, giving a net cash position of $22.65 million or $4.51 per share.

Cash & Cash Equivalents	61.27M
Total Debt	38.63M
Net Cash	22.65M
Net Cash Per Share	$4.51
Equity (Book Value)	148.29M
Book Value Per Share	29.08
Working Capital	-1.23B

Cash Flow

In the last 12 months, operating cash flow was $7.52 million and capital expenditures -$2.45 million, giving a free cash flow of $5.07 million.

Operating Cash Flow	7.52M
Capital Expenditures	-2.45M
Free Cash Flow	5.07M
FCF Per Share	$1.01

Margins

Gross Margin	n/a
Operating Margin	28.13%
Pretax Margin	25.36%
Profit Margin	20.80%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	10.24%

Dividends & Yields

This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.47%.

Dividend Per Share	$1.00
Dividend Yield	3.47%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	52.19%
Buyback Yield	-4.97%
Shareholder Yield	-1.51%
Earnings Yield	7.16%
FCF Yield	3.52%

Analyst Forecast

The average price target for CBFV is $26.00, which is -9.82% lower than the current price. The consensus rating is "Hold".

Price Target	$26.00
Price Target Difference	-9.82%
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