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CBFV stock logo

CBFV

CB Financial Services, Inc.

$35.2
0.67
 (1.94%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  178.671M
Shares Outstanding:  5.406M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  John H. Montgomery
Full Time Employees:  159
Address: 
100 North Market Street
Carmichaels
PA
15320
US
Website:  https://www.communitybank.tv
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company’s primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates through its main office and 13 branch offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio, as well as one loan production offices in Allegheny County. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue60,03379,20168,644
Gross Profit42,86348,56842,891
EBITDA33,02217,7687,110
Operating Income30,28515,3435,300
Net Income22,55012,5944,903

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,458,5781,481,5641,547,693
Total Liabilities1,318,7441,334,1861,390,156
Total Stockholders Equity139,834147,378157,537
Total Debt36,46334,71834,758
Cash and Cash Equivalents049,57231,693

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Cash Flow Statement

Year202320242025
Operating Cash Flow14,2366,75017,807
Capital Expenditure-3,293-3,315-650
Free Cash Flow10,9433,43516,556
Net Income22,55012,5944,903
Net Change in Cash-35,477-18,651-17,879

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)66,990.347Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)67,509.652Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)67,250Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)20,455.963Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)20,614.536Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)20,535.250Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)17,164.533Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)17,420.698Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)17,292.616Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)19,708.227Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)19,861.004Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)19,784.615Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.260Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.280Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.230Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
81.163M  ?P/S
 (TTM)
: 
2.59
?Net Income
 (TTM)
: 
12.594M  ?P/E
 (TTM)
: 
26.57
?Enterprise Value
 (TTM)
: 
162.223M  ?EV/FCF
 (TTM)
: 
9.52
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.75
?ROE
 (TTM)
: 
0.04  ?ROIC
 (TTM)
: 
0
?Net Debt
 (TTM)
: 
-12003000  ?Debt/Equity
 (TTM)
: 
0.22
?P/B
 (TTM)
: 
1.15  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.97Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

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Calculate CBFV Intrinsic Value

Common questions about CBFV valuation

Is CB Financial Services, Inc. (CBFV) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for CB Financial Services, Inc. (CBFV) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CBFV a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CBFV trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CBFV’s P/E ratio?

You can see CBFV’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CBFV?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CBFV a good long-term investment?

Whether CBFV fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CBFV

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

1.94
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 26.01   Year High: 37.75
Price Avg 50: 35.08   Price Avg 200: 33.26
Volume: 1645   Average Volume: 5167

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Relevant news

Why CB Financial Services (CBFV) is a Great Dividend Stock Right Now
01-04-2026 12:46
Why CB Financial Services (CBFV) is a Great Dividend Stock Right Now
CB Financial Services (CBFV) Could Be a Great Choice
16-03-2026 12:46
CB Financial Services (CBFV) Could Be a Great Choice
CB Financial Services, Inc. Announces Annual Meeting Date
27-02-2026 16:05
CB Financial Services, Inc. Announces Annual Meeting Date
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26-02-2026 12:46
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