CB Financial Services (CBFV) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

CB Financial Services

NasdaqGM•Financial Services•Banks - Regional

$37.60+0.02(<0.01%)Market closed

Market Cap

$188.78M

P/E

26.2x

P/S

2.6x

P/B

1.2x

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides banking products and services for individuals and businesses. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings and checking accounts, as well as time deposit products. The company's 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 comprising retail facilities, office buildings, and other non-residential buildings, as well as multifamily properties; 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, it invests in U.S. treasuries, U.S. government agency securities, mortgage-backed securities (MBS's), collateralized mortgage obligations (CMO's), investment grade corporate bonds, obligations of states and political subdivisions, short-term instruments, collateralized loan obligations (CLO's), and other securities; and equity securities, which includes mutual funds. CB Financial Services, Inc. was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

How this company scores

WeakMetricSide Score: 47/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Growth (5/25).

Profitability11/25

Growth5/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowConsistent free cash flowNet cash positionImproving margins

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 26.2x5y range 5.0x – 62.2x

Currently above its 20-quarter median.

P/S · 2.6x5y range 1.3x – 2.6x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.8x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 116.1% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $188.78M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $72.88M
Q. Revenue: $21.88M
TTM EBITDA: $10.88M
TTM Op. Income: $7.93M
Q. Op. Income: $5.10M
TTM Net Income: $7.21M
Q. Net Income: $4.30M
EPS: $0.85
Shares Out.: $5.07M

$72.88M in TTM revenue declined 9.4% YoY, reaching $21.88M last quarter. TTM EBITDA of $10.88M and TTM operating income of $7.93M show growth is flowing through to the bottom line. TTM net income of $7.21M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.9%
EBITDA Margin: 26.4%
Op. Margin: 23.3%
Net Margin: 19.7%

Op. margin of 23.3% is down 0.6% YoY — costs are rising relative to revenue. Net margin at 19.7% and gross margin of 70.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 3% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 26.2x
P/S Ratio: 2.6x
P/B Ratio: 1.2x

At 26.2x P/E, the stock trades within typical market levels. P/S of 2.6x and P/B of 1.2x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 112% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.66B
Cash: $76.09M
Long-Term Debt: N/A
Book Value: $162.10M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $7.42M
TTM Free Cash Flow: $19.53M
FCF Margin: 26.8%
FCF / Net Income: 2.7

TTM FCF of $19.53M on $7.42M in operating cash flow. The FCF / Net Income ratio of 2.7x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 72% — an improving trend.