CB Financial Services, Inc. (CBFV) AI Stock Analysis

Established in 1901 and headquartered in Carmichaels, Pennsylvania, CB Financial Services, Inc. is the bank holding company for Community Bank. It operates a main office, 13 branch locations, and a loan production office across southwestern Pennsylvania, West Virginia, and Ohio. The bank offers consumer and commercial deposit products, including demand deposits, NOW accounts, money market accounts, savings accounts, and time deposits. Its lending portfolio encompasses residential real estate mortgages, home equity lines of credit, commercial real estate loans, construction loans, commercial and industrial loans, and consumer loans. Additionally, it operates an insurance agency providing property, casualty, liability, and surety products.

From FY2021 to FY2024, annual revenue grew from $50.1M to $79.2M before declining 13.3% to $68.6M in FY2025, resulting in a 5-year revenue CAGR of 4.7%. Operating margin compressed from 50.4% in FY2023 to 19.4% in FY2024 and 7.7% in FY2025. Net income fell to $4.9M in FY2025 with an EPS of $2.70, compared to $12.6M and $2.04 in FY2024. For the trailing twelve months ended June 30, 2026, revenue was $47.4M with a net profit margin of 15.2% and EPS of $1.29. In the quarter ended June 30, 2026, revenue increased 15.0% year-over-year while quarterly earnings rose 8.1%.

As of June 30, 2026, CB Financial Services held $76.1M in cash and short-term investments alongside $99.8M in total debt, resulting in net debt of $23.7M. Total assets stood at $1.66B with shareholders' equity of $162.1M, yielding a debt-to-equity ratio of 0.62 and a current ratio of 1.17. During FY2025, the company generated $17.8M in operating cash flow and $17.2M in free cash flow. Capital allocation in FY2025 included $650,000 in capital expenditures, $6.8M for share buybacks, and $5.1M in cash dividends paid.

At the closing price of $37.55 on October 16, 2026, CB Financial Services carried a market capitalization of $190.8M and an enterprise value of $217.7M. The stock traded at a trailing P/E of 29.1x, above the median of 12.1x for its US-listed Financial Services peers. Its forward P/E stood at 13.0x versus the peer median of 10.8x, while its price-to-sales was 4.0x compared to the peer median of 3.2x. Over the past 12 months, the stock returned 21.7% versus 16.8% for the S&P 500, and its 5-year return reached 86.5% compared to 83.0% for the index.

CB Financial Services pays an annualized forward dividend of $1.10 per share, representing a 2.93% dividend yield and a payout ratio of 36.8%. Dividends are distributed on a quarterly frequency and have been paid for 33 consecutive years. Over the trailing 5-year period, dividend growth annualized at 1.2%. The last ex-dividend date was August 14, 2026.

Consensus analyst coverage includes 3 ratings: 1 Strong Buy, 1 Buy, and 1 Hold. The mean price target is $42.00, representing an 11.9% upside compared to the last close of $37.55. For the fiscal year ending December 31, 2026, analysts estimate revenue of $63.5M and EPS of $3.17, representing 16.9% EPS growth. CB Financial Services beat EPS estimates in 3 of the last 4 quarters, with its next earnings report scheduled for October 22, 2026.

This page is an AI-written research summary of CB Financial Services, Inc. (CBFV). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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