Stock Scorecard
Stock Summary for CB Financial Services Inc (CBFV) - $32.37 as of 10/31/2025 7:47:40 PM EST
Total Score
12 out of 30
Safety Score
45 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for CBFV
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CBFV
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CBFV
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CBFV
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CBFV (45 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 0 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 2 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CBFV
Financial Details for CBFV
Company Overview |
|
|---|---|
| Ticker | CBFV |
| Company Name | CB Financial Services Inc |
| Country | USA |
| Description | CB Financial Services, Inc. is a diversified banking holding company that serves as the parent of Community Bank, providing a wide array of financial products and services tailored for individuals and businesses across southwestern Pennsylvania, West Virginia, and Ohio. Headquartered in Carmichaels, Pennsylvania, the company emphasizes community-focused banking, featuring personalized customer service and innovative financial solutions. CB Financial is positioned to capitalize on growth opportunities within its regional markets, driven by a commitment to enhancing customer relationships and supporting local economic development. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 32.37 |
| Price 4 Years Ago | 20.63 |
| Last Day Price Updated | 10/31/2025 7:47:40 PM EST |
| Last Day Volume | 8,225 |
| Average Daily Volume | 9,965 |
| 52-Week High | 34.00 |
| 52-Week Low | 25.58 |
| Last Price to 52 Week Low | 26.54% |
Valuation Measures |
|
| Trailing PE | 61.69 |
| Industry PE | 16.48 |
| Sector PE | 22.96 |
| 5-Year Average PE | 10.77 |
| Free Cash Flow Ratio | 2.51 |
| Industry Free Cash Flow Ratio | 9.32 |
| Sector Free Cash Flow Ratio | 31.22 |
| Current Ratio Most Recent Quarter | 0.05 |
| Total Cash Per Share | 12.91 |
| Book Value Per Share Most Recent Quarter | 30.50 |
| Price to Book Ratio | 1.09 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 3.98 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.94 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.75 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 4,998,400 |
| Market Capitalization | 161,798,208 |
| Institutional Ownership | 44.76% |
Dividends |
|
| Ex-Dividend Date | 11/14/2025 |
| Previous Dividend Amount | 0.2600 |
| Current Dividend Amount | 0.2600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.01 |
| Trailing Annual Dividend Yield | 3.04% |
| Forward Annual Dividend Rate | 1.04 |
| Forward Annual Dividend Yield | 3.13% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 4.04% |
| 5-Year Average Dividend Yield | 4.44% |
| 1-Year Dividend Growth Rate Percentage | 2.00% |
| 3-Year Dividend Growth Rate Percentage | 1.00% |
| 5-Year Dividend Growth Rate Percentage | 1.53% |
| All-Time Dividend Growth Rate Percentage | 1.63% |
| Dividend Payout Ratio | 194.23% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 45.10% |
| Annual Earnings Growth | -44.15% |
| Reported EPS 12 Trailing Months | 0.52 |
| Reported EPS Past Year | 1.98 |
| Reported EPS Prior Year | 2.04 |
| Net Income Twelve Trailing Months | 2,691,000 |
| Net Income Past Year | 12,594,000 |
| Net Income Prior Year | 22,550,000 |
| Quarterly Revenue Growth YOY | -83.00% |
| 5-Year Revenue Growth | 6.54% |
| Operating Margin Twelve Trailing Months | -316.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 64,506,000 |
| Total Cash Past Year | 49,572,000 |
| Total Cash Prior Year | 68,223,000 |
| Net Cash Position Most Recent Quarter | 29,768,000 |
| Net Cash Position Past Year | 34,854,000 |
| Long Term Debt Past Year | 14,718,000 |
| Long Term Debt Prior Year | 14,678,000 |
| Total Debt Most Recent Quarter | 34,738,000 |
| Equity to Debt Ratio Past Year | 0.91 |
| Equity to Debt Ratio Most Recent Quarter | 0.93 |
| Total Stockholder Equity Past Year | 147,378,000 |
| Total Stockholder Equity Prior Year | 139,834,000 |
| Total Stockholder Equity Most Recent Quarter | 440,703,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 11,331,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.27 |
| Free Cash Flow Past Year | 3,435,000 |
| Free Cash Flow Prior Year | 10,943,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.01 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 26.97 |
| 20-Day Bollinger Middle Band | 31.40 |
| 20-Day Bollinger Upper Band | 35.82 |
| Beta | 0.36 |
| RSI | 44.60 |
| 50-Day SMA | 24.01 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 23.03 |
System |
|
| Modified | 10/31/2025 7:48:28 PM EST |