Stock Scorecard
Stock Summary for CB Financial Services Inc (CBFV) - $37.43 as of 12/19/2025 7:34:43 PM EST
Total Score
12 out of 30
Safety Score
46 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 (46 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) | 1 |
| 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) | 2 |
| 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 based in Carmichaels, Pennsylvania, operating through its subsidiary, Community Bank. The company provides a comprehensive suite of financial products and services tailored to the needs of individuals and businesses across southwestern Pennsylvania, West Virginia, and Ohio. With a commitment to community-focused banking, CB Financial emphasizes personalized service and innovative financial solutions, positioning itself strategically for growth. The company is dedicated to enhancing local economic development, making it a key player in the regional financial landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 2/4/2026 |
Stock Price History |
|
| Last Day Price | 37.43 |
| Price 4 Years Ago | 20.47 |
| Last Day Price Updated | 12/19/2025 7:34:43 PM EST |
| Last Day Volume | 30,446 |
| Average Daily Volume | 8,252 |
| 52-Week High | 37.45 |
| 52-Week Low | 25.39 |
| Last Price to 52 Week Low | 47.42% |
Valuation Measures |
|
| Trailing PE | 71.06 |
| Industry PE | 16.71 |
| Sector PE | 20.58 |
| 5-Year Average PE | 10.69 |
| Free Cash Flow Ratio | 3.36 |
| Industry Free Cash Flow Ratio | 4.98 |
| Sector Free Cash Flow Ratio | 44.47 |
| Current Ratio Most Recent Quarter | 0.04 |
| Total Cash Per Share | 11.15 |
| Book Value Per Share Most Recent Quarter | 30.50 |
| Price to Book Ratio | 1.20 |
| Industry Price to Book Ratio | 1.19 |
| Sector Price to Book Ratio | 1.93 |
| Price to Sales Ratio Twelve Trailing Months | 4.60 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.45 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.09 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 5,010,900 |
| Market Capitalization | 187,557,987 |
| Institutional Ownership | 46.28% |
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 | 1.02 |
| Trailing Annual Dividend Yield | 2.80% |
| Forward Annual Dividend Rate | 1.04 |
| Forward Annual Dividend Yield | 2.86% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.64% |
| 5-Year Average Dividend Yield | 4.14% |
| 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 | 196.15% |
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 | 55,890,000 |
| Total Cash Past Year | 49,572,000 |
| Total Cash Prior Year | 68,223,000 |
| Net Cash Position Most Recent Quarter | 21,142,000 |
| 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 | 34,748,000 |
| Equity to Debt Ratio Past Year | 0.91 |
| Equity to Debt Ratio Most Recent Quarter | 0.81 |
| Total Stockholder Equity Past Year | 147,378,000 |
| Total Stockholder Equity Prior Year | 139,834,000 |
| Total Stockholder Equity Most Recent Quarter | 152,465,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 13,637,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.72 |
| 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 | 0.81 |
| MACD Signal | 0.69 |
| 20-Day Bollinger Lower Band | 30.12 |
| 20-Day Bollinger Middle Band | 33.28 |
| 20-Day Bollinger Upper Band | 36.44 |
| Beta | 0.28 |
| RSI | 66.60 |
| 50-Day SMA | 24.52 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 23.30 |
System |
|
| Modified | 12/19/2025 7:35:33 PM EST |