Cb Financial Services Stock Analysis

CBFV Stock  USD 36.83  0.09  0.24%   
Below is the normalized historical share price chart for CB Financial Services extending back to April 26, 1994. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of CB Financial stands at 36.83, as last reported on the 14th of February 2026, with the highest price reaching 37.10 and the lowest price hitting 36.83 during the day.
IPO Date
6th of June 2001
200 Day MA
32.3412
50 Day MA
35.6692
Beta
0.271
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
CB Financial Services has over 34.76 Million in debt which may indicate that it relies heavily on debt financing. At this time, CB Financial's Cash Flow To Debt Ratio is fairly stable compared to the past year. CB Financial's financial risk is the risk to CB Financial stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

CB Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. CB Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps CBFV Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect CB Financial's stakeholders.
For many companies, including CB Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for CB Financial Services, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, CB Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.1909
Price Sales
4.6092
Shares Float
4.6 M
Dividend Share
1.01
Wall Street Target Price
39
At this time, CB Financial's Other Stockholder Equity is fairly stable compared to the past year. Stock Based Compensation is likely to climb to about 980.5 K in 2026, whereas Total Stockholder Equity is likely to drop slightly above 101.4 M in 2026. . At this time, CB Financial's Price Earnings Ratio is fairly stable compared to the past year. Price Book Value Ratio is likely to climb to 1.17 in 2026, despite the fact that Price Earnings To Growth Ratio is likely to grow to (0.56).
CB Financial Services is fairly valued with Real Value of 37.41 and Target Price of 39.0. The main objective of CB Financial stock analysis is to determine its intrinsic value, which is an estimate of what CB Financial Services is worth, separate from its market price. There are two main types of CB Financial's stock analysis: fundamental analysis and technical analysis.
The CB Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. CB Financial is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. CBFV Stock trading window is adjusted to America/New York timezone.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CB Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.

CBFV Stock Analysis Notes

About 45.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.19. Some equities with similar Price to Book (P/B) outperform the market in the long run. CB Financial Services has Price/Earnings To Growth (PEG) ratio of 1.75. The entity last dividend was issued on the 13th of February 2026. The firm had 959692:319897 split on the 11th of May 1999. 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 was founded in 1901 and is headquartered in Carmichaels, Pennsylvania. Cb Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 192 people. For more info on CB Financial Services please contact John Montgomery at 724 966 5041 or go to https://www.cb.bank.

CB Financial Quarterly Total Revenue

21.67 Million

CB Financial Services Investment Alerts

CB Financial has a strong financial position based on the latest SEC filings
Latest headline from news.google.com: Top Dividend Stocks To Consider In February 2026 - simplywall.st

CBFV Largest EPS Surprises

Earnings surprises can significantly impact CB Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2021-05-04
2021-03-310.470.520.0510 
2023-10-27
2023-09-300.580.52-0.0610 
2017-01-31
2016-12-310.420.480.0614 
View All Earnings Estimates

CB Financial Environmental, Social, and Governance (ESG) Scores

CB Financial's ESG score is a quantitative measure that evaluates CB Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of CB Financial's operations that may have significant financial implications and affect CB Financial's stock price as well as guide investors towards more socially responsible investments.

CBFV Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
State Street Corp2025-06-30
42.5 K
Northern Trust Corp2025-06-30
36.5 K
Dimensional Fund Advisors, Inc.2025-06-30
35.1 K
Fourthstone Llc2025-06-30
34.6 K
Empowered Funds, Llc2025-06-30
34.5 K
Bryn Mawr Trust Company2025-06-30
33.6 K
S&t Bank2025-06-30
33.6 K
Salzhauer Michael2025-06-30
19.2 K
American Century Companies Inc2025-06-30
17.9 K
Janney Montgomery Scott Llc2025-06-30
340.5 K
Alliancebernstein L.p.2025-06-30
283.7 K
Note, although CB Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

CBFV Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 185.49 M.

CBFV Profitablity

The company has Profit Margin (PM) of 0.07 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.36 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.36.
Last ReportedProjected for Next Year
Return On Equity 0.03  0.03 

Management Efficiency

Return On Tangible Assets is likely to drop to 0 in 2026. Return On Capital Employed is likely to drop to 0 in 2026. At this time, CB Financial's Non Current Assets Total are fairly stable compared to the past year. Non Currrent Assets Other is likely to climb to about 1.6 B in 2026, whereas Other Current Assets are likely to drop slightly above 27.1 M in 2026. CB Financial's management efficiency ratios could be used to measure how well CB Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 31.28  17.46 
Tangible Book Value Per Share 29.35  15.41 
Enterprise Value Over EBITDA 39.69  41.67 
Price Book Value Ratio 1.11  1.17 
Enterprise Value Multiple 39.69  41.67 
Price Fair Value 1.11  1.17 
Enterprise Value189.3 M198.8 M
The strategic decisions made by CB Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.0272
Operating Margin
0.3618
Profit Margin
0.0669
Forward Dividend Yield
0.0285
Beta
0.271

Technical Drivers

As of the 14th of February 2026, CB Financial owns the Standard Deviation of 1.61, market risk adjusted performance of 0.3126, and Coefficient Of Variation of 1013.42. CB Financial Services technical analysis gives you the methodology to make use of past data patterns to determine a pattern that approximates the direction of the entity's future prices. Please confirm CB Financial Services coefficient of variation, as well as the relationship between the treynor ratio and semi variance to decide if CB Financial Services is priced fairly, providing market reflects its prevailing price of 36.83 per share. Given that CB Financial Services has jensen alpha of 0.1197, we suggest you to validate CB Financial's latest market performance to make sure the company can sustain itself sooner or later.

CB Financial Services Price Movement Analysis

Study
Start Value
Offset on Reverse
AF Init Long
AF Long
AF Max Long
AF Init Short
AF Short
AF Max Short
Execute Study
The output start index for this execution was one with a total number of output elements of sixty. The Extended Parabolic SAR indicator is used to determine the direction of CB Financial's momentum and the point in time when it has higher than normal probability of directional change. It has more input parameters than standard Parabolic SAR indicator.

CB Financial Services Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific CB Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on CB Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases CB Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Pollock David F. over a week ago
Acquisition by Pollock David F. of 1000 shares of CB Financial subject to Rule 16b-3
 
Swiatek John over three weeks ago
Disposition of 100 shares by Swiatek John of CB Financial at 29.56 subject to Rule 16b-3
 
Cobain Stephen over a month ago
Disposition of tradable shares by Cobain Stephen of CB Financial at 35.25 subject to Rule 16b-3
 
Jennifer George over a month ago
Disposition of 125 shares by Jennifer George of CB Financial at 36. subject to Rule 16b-3
 
John Montgomery over two months ago
Disposition of 4500 shares by John Montgomery of CB Financial at 18.6 subject to Rule 16b-3
 
Jennifer George over three months ago
Disposition of tradable shares by Jennifer George of CB Financial at 22.25 subject to Rule 16b-3
 
Pollock David F. over three months ago
Acquisition by Pollock David F. of 1000 shares of CB Financial subject to Rule 16b-3
 
Lacarte John J over six months ago
Disposition of tradable shares by Lacarte John J of CB Financial at 30.75 subject to Rule 16b-3
 
Swiatek John over six months ago
Acquisition by Swiatek John of 1200 shares of CB Financial at 28.797 subject to Rule 16b-3
 
Swiatek John over six months ago
Disposition of 2500 shares by Swiatek John of CB Financial at 22.25 subject to Rule 16b-3
 
Cobain Steven over six months ago
Disposition of 4480 shares by Cobain Steven of CB Financial at 22.12 subject to Rule 16b-3
 
Cobain Steven over a year ago
Disposition of 4480 shares by Cobain Steven of CB Financial at 22.12 subject to Rule 16b-3

CB Financial Outstanding Bonds

CB Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. CB Financial Services uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most CBFV bonds can be classified according to their maturity, which is the date when CB Financial Services has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

CB Financial Predictive Daily Indicators

CB Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of CB Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

CB Financial Corporate Filings

F4
9th of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
27th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13A
21st of January 2026
The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934
ViewVerify
8K
31st of December 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
30th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
23rd of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
9th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
24th of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

CB Financial Forecast Models

CB Financial's time-series forecasting models are one of many CB Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary CB Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

CB Financial Bond Ratings

CB Financial Services financial ratings play a critical role in determining how much CB Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for CB Financial's borrowing costs.
Piotroski F Score
7
StrongView
Beneish M Score
(2.18)
Possible ManipulatorView

CB Financial Services Debt to Cash Allocation

Many companies such as CB Financial, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
CB Financial Services currently holds 34.76 M in liabilities with Debt to Equity (D/E) ratio of 8.56, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about CB Financial's use of debt, we should always consider it together with its cash and equity.

CB Financial Total Assets Over Time

CB Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which CB Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

CB Financial Debt Ratio

    
  2.13   
It appears most of the CB Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the CB Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of CB Financial, which in turn will lower the firm's financial flexibility.

CB Financial Corporate Bonds Issued

CBFV Short Long Term Debt Total

Short Long Term Debt Total

46.86 Million

At this time, CB Financial's Short and Long Term Debt Total is fairly stable compared to the past year.

About CBFV Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how CB Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling CBFV shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as CB Financial. By using and applying CBFV Stock analysis, traders can create a robust methodology for identifying CBFV entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.08  0.07 
Operating Profit Margin 0.08  0.07 
Net Profit Margin 0.07  0.13 
Gross Profit Margin 0.62  0.87 

Current CBFV Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. CBFV analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. CBFV analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
39.0Hold3Odds
CB Financial Services current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most CBFV analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand CBFV stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of CB Financial Services, talking to its executives and customers, or listening to CBFV conference calls.
CBFV Analyst Advice Details

CBFV Stock Analysis Indicators

CB Financial Services stock analysis indicators help investors evaluate how CB Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading CB Financial shares will generate the highest return on investment. By understating and applying CB Financial stock analysis, traders can identify CB Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow68.2 M
Common Stock Shares Outstanding5.3 M
Total Stockholder Equity157.5 M
Total Cashflows From Investing Activities-36.4 M
Quarterly Earnings Growth Y O Y0.936
Property Plant And Equipment Net19.6 M
Net Debt34.8 M
50 Day M A35.6692
Total Current Liabilities16 K
Other Operating Expenses63.3 M
Non Current Assets Total1.5 B
Forward Price Earnings12.987
Non Currrent Assets Other1.5 B
Stock Based Compensation812 K

Additional Tools for CBFV Stock Analysis

When running CB Financial's price analysis, check to measure CB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CB Financial is operating at the current time. Most of CB Financial's value examination focuses on studying past and present price action to predict the probability of CB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CB Financial's price. Additionally, you may evaluate how the addition of CB Financial to your portfolios can decrease your overall portfolio volatility.