CB Financial Services, Inc. (CBFV)

CB Financial Services Statistics

Total Valuation

CBFV has a market cap or net worth of $161.80 million. The enterprise value is $140.66 million.

Market Cap	161.80M
Enterprise Value	140.66M

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 5.00 million shares outstanding. The number of shares has increased by 0.82% in one year.

Current Share Class	5.00M
Shares Outstanding	5.00M
Shares Change (YoY)	+0.82%
Shares Change (QoQ)	-6.50%
Owned by Insiders (%)	9.28%
Owned by Institutions (%)	44.13%
Float	4.53M

Valuation Ratios

The trailing PE ratio is 63.60 and the forward PE ratio is 9.98.

PE Ratio	63.60
Forward PE	9.98
PS Ratio	4.07
Forward PS	2.68
PB Ratio	1.06
P/TBV Ratio	1.13
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	52.23
EV / Sales	3.50
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 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	$249,963
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 +12.98% 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	+12.98%
50-Day Moving Average	32.98
200-Day Moving Average	30.11
Relative Strength Index (RSI)	46.29
Average Volume (20 Days)	6,364

Short Selling Information

The latest short interest is 129,719, so 2.60% of the outstanding shares have been sold short.

Short Interest	129,719
Short Previous Month	163,213
Short % of Shares Out	2.60%
Short % of Float	2.86%
Short Ratio (days to cover)	7.97

Income Statement

In the last 12 months, CBFV had revenue of $40.24 million and earned $2.69 million in profits. Earnings per share was $0.51.

Revenue	40.24M
Gross Profit	40.24M
Operating Income	3.94M
Pretax Income	3.08M
Net Income	2.69M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.51

Balance Sheet

The company has $55.89 million in cash and $34.75 million in debt, giving a net cash position of $21.14 million or $4.23 per share.

Cash & Cash Equivalents	55.89M
Total Debt	34.75M
Net Cash	21.14M
Net Cash Per Share	$4.23
Equity (Book Value)	152.47M
Book Value Per Share	30.50
Working Capital	-1.27B

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	9.79%
Pretax Margin	7.66%
Profit Margin	6.69%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 3.21%.

Dividend Per Share	$1.04
Dividend Yield	3.21%
Dividend Growth (YoY)	2.00%
Years of Dividend Growth	n/a
Payout Ratio	200.41%
Buyback Yield	-0.82%
Shareholder Yield	2.39%
Earnings Yield	1.66%
FCF Yield	n/a

Analyst Forecast

The average price target for CBFV is $36.00, which is 11.21% higher than the current price. The consensus rating is "Buy".

Price Target	$36.00
Price Target Difference	11.21%
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