MARKETSnap
  • Market Snapshots
    • Gainers & Losers
    • Most Active & More
    • 52-Week High/Low
    • Dividends
    • P/E Ratios
      • Large Caps
      • Absolute
      • Total Market PE
    • Stocks Performance
      • Large Caps
      • Absolute
    • Industries Performance
      • Industry
      • Sector
  • Analyze Stock
    • Analyze a stockAnalyze CBFV →
    • FindStock Picks / Stock Screener
    • Value · CBFVIntrinsic Value Calculator
    • Invest · CBFVInvestment Case
    • Hold · CBFV5-Year Outlook
  • Learn
  • Calendar
  • Investment Compounding
    Calculator
  • Investing Philosophy
  • More
    • Charts
    • Commodities
    • Currencies
    • Economic Indicators
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
CBFV stock logo

CBFV

CB Financial Services, Inc.

$37.55
-0.63
 (-1.65%)
Exchange:  NASDAQ
Market Cap:  190.813M
Shares Outstanding:  5.406M
Delayed data
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  John H. Montgomery
Full Time Employees:  169
Address: 
100 North Market Street
Carmichaels
PA
15320
US
Website:  https://www.cb.bank
CB Financial Services, Inc. functions as the parent company for Community Bank, delivering a broad spectrum of banking solutions and financial services to individuals and businesses. Its operational footprint spans southwestern Pennsylvania, West Virginia, and Ohio. The bank’s core deposit offerings include checking accounts (comprising both demand and NOW accounts), money market accounts, savings accounts, and various time deposit products. A comprehensive suite of loan products is also provided. For residential borrowers, this includes real estate financing such as mortgages for single- to four-family homes, home equity installment loans, and home equity lines of credit. Commercial real estate loans are offered, typically secured by developed properties like retail centers, office buildings, and other non-residential structures. Construction financing is available for both individual residential dwellings and commercial projects, ranging from hotels and apartment buildings to housing developments and owner-occupied business properties. Furthermore, the institution extends commercial and industrial loans and lines of credit, alongside diverse consumer loans like indirect auto financing, secured and unsecured personal loans, and credit lines. Beyond traditional banking, CB Financial Services also operates an insurance agency, providing a variety of products such as property and casualty coverage, commercial liability policies, surety bonds, and other related services. Its physical presence comprises a main office and 13 branch locations distributed across Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio. An additional loan production office is located in Allegheny County. Founded in 1901, the company’s corporate headquarters are situated in Carmichaels, Pennsylvania.

Click to read more…

Revenue Segmentation

MarketSnap

Log in to continue

Log in to see the complete revenue and geographic breakdown.

Login — it's free

Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
CBCBFV logoCBFVCB Financial Services, Inc.190.8M26.011.90.4%
LALARK logoLARKLandmark Bancorp, Inc.192.2M9.39.12.3%
SBSBFG logoSBFGSB Financial Group, Inc.184.7M10.911.51.0%
BVBVFL logoBVFLBV Financial, Inc.183.6M14.0—1.3%
FNFNWD logoFNWDFinward Bancorp181.6M18.015.90.5%
RBRBKB logoRBKBRhinebeck Bancorp, Inc.200.9M14.0—-3.1%

EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

Log in to continue

Log in for the full EPS chart and links to analyst estimates.

Login — it's free
View full analyst estimates

Earnings Call

No earnings call materials on file for this symbol yet.

Log in to continue

Log in to read the full transcript and AI-generated earnings summaries.

Login — it's free
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

Log in to continue

Log in to see the income statement and 10 historical years.

Login — it's free

(* 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

Log in to continue

Log in to see the balance sheet and 10 historical years.

Login — it's free

(* All numbers are in thousands)

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

Log in to continue

Log in to see the cash flow statement and 10 historical years.

Login — it's free

(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)56,796.621Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)57,084.198Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)56,940.410Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)26,902.155Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)27,066.699Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)26,984.427Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)20,364.551Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)20,498.709Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)20,431.630Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)16,709.283Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)16,793.887Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)16,751.585Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3.850Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)3.860Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)3.840Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)1Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)1Research AccessResearch AccessResearch AccessResearch Access

Log in to continue

Log in and subscribe to Full Access to see up to 5 years of analyst estimates.

Login — it's free

(* 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)
: 
26.01
?Enterprise Value
 (TTM)
: 
212.389M  ?EV/FCF
 (TTM)
: 
10.96
?Dividend Yield
 (TTM)
: 
2.96%  ?Payout Ratio
 (TTM)
: 
75.24%
?ROE
 (TTM)
: 
4.57%  ?ROIC
 (TTM)
: 
0.44%
?Net Debt
 (TTM)
: 
-12.003M  ?Debt/Equity
 (TTM)
: 
0.62
?P/B
 (TTM)
: 
1.16  ?Current Ratio
 (TTM)
: 
1.17

Log in to continue

Log in to see all key valuation metrics and ratios for this symbol.

Login — it's free

Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.85Research AccessResearch AccessResearch AccessResearch Access

Log in to continue

Log in with Full Access for forward P/E high/low estimates and the full multi-year table.

Login — it's free

SWOT Analysis

🔒 You are currently logged out

Login

It's free

At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates CBFV intrinsic value between $12.68 – $27.90 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


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.

Research tools for CB Financial Services, Inc.

  • CB Financial Services, Inc. intrinsic value calculatorEstimate what the business is worth
  • CB Financial Services, Inc. 5-year outlookWhat has to go right, and what could go wrong
CBFV

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

Daily snapshot

-1.65
MarketSnap

Trading Metrics:

Open: 37.5   Previous Close: 38.18
Day Low: 37.43   Day High: 38.73
Year Low: 30.97   Year High: 38.86
Price Avg 50: 37.38   Price Avg 200: 36.03
Volume: 7660   Average Volume: 6004

Log in to continue

Log in for multi-period charts (1W–5Y), period tabs, and the same layout as members.

Login — it's free
See in Nexus

Relevant news

CB Financial Services (CBFV) Could Be a Great Choice
31-07-2026 12:46
CB Financial Services (CBFV) Could Be a Great Choice
Are You Looking for a High-Growth Dividend Stock?
18-09-2026 12:48
Are You Looking for a High-Growth Dividend Stock?
Why CB Financial Services (CBFV) is a Great Dividend Stock Right Now
02-09-2026 12:46
Why CB Financial Services (CBFV) is a Great Dividend Stock Right Now
What Makes CB Financial Services (CBFV) a New Buy Stock
25-06-2026 13:01
What Makes CB Financial Services (CBFV) a New Buy Stock

DISCLAIMER: The stock market data provided on this website is for informational purposes only and is not intended for trading purposes. While we strive to provide accurate and timely information, we cannot guarantee that the information is accurate at the moment it is received or that it will continue to be accurate in the future. We are not responsible for any actions taken based on the information provided on this website. Always consult with a licensed financial professional before making any investment decisions.
Terms of Service

Copyright © 2025 MarketSnap. All rights reserved.

Contact Us

Privacy Policy

Cookie Policy

Terms of Service

Hover Image
MARKETSnap

Market

🇺🇸 United States

Language

    • Gainers & Losers
    • Most Active & More
    • 52-Week High/Low
    • Dividends
      • Large Caps
      • Absolute
      • Total Market PE
      • Large Caps
      • Absolute
      • Industry
      • Sector
    • Analyze a stockAnalyze CBFV →
    • FindStock Picks / Stock Screener
    • Value · CBFVIntrinsic Value Calculator
    • Invest · CBFVInvestment Case
    • Hold · CBFV5-Year Outlook
  • Learn
  • Calendar
  • Investment Compounding Calculator
    • Charts
    • Commodities
    • Currencies
      • Inflation
      • Consumer Sentiment
      • Recession Probability
      • Treasury Rates
      • GDP
  • Investing Philosophy
  • Nexus
    • Recent Activity
      • Overview
      • My Valuations
      • My Investment Journal
      • Watchlists & Portfolio
    • Settings
    • Public profile ↗
  • Log in

Media

Watch Listen Read