CB Financial Services, Inc. CBFV

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Price alert · CBFV

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39.67 USD -0.54 -1.34%

At close · Oct 30

39.67 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
39.58 × 2
Ask
40.30 × 2
39.67 Day range 40.04
31.91 52-week range 40.39
YTD
+13.80%
1 year
+23.66%
Open
40.04
Prev close
40.21
Mkt cap
201.71M
Vol
5.59K
Avg vol
4.86K
EPS
3.35
P/E
11.84
Div yield
3.41%
More statistics
Low
39.67
High
40.04
Forward P/E
15.36
Beta
0.57
Short ratio
0.44
Inst. own
38.99%
Dividend
1.00
Ex-div date
Nov 14, 2024
Earnings
Jan 29, 2025
50-d avg
29.86
200-d avg
25.27
1y target
30.33

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Financial health

Altman Z-Score

0.14 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 35.9×
FY 2016: 13.9×FY 2017: 17.6×FY 2018: 17.5×FY 2019: 11.4×FY 2020: -10.2×FY 2021: 11.2×FY 2022: 9.8×FY 2023: 5.4×FY 2024: 11.7×FY 2025: 35.9×
FY 2016 5y median 11.2× FY 2025
P/S 2.6×
FY 2016: 2.7×FY 2017: 3.1×FY 2018: 2.4×FY 2019: 2.8×FY 2020: 2.0×FY 2021: 2.6×FY 2022: 2.0×FY 2023: 2.0×FY 2024: 1.9×FY 2025: 2.6×
FY 2016 5y median 2.0× FY 2025
P/B 1.1×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 0.9×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.0× FY 2025
P/FCF 10.2×
FY 2016: 13.1×FY 2017: 15.8×FY 2018: 14.8×FY 2019: 9.7×FY 2020: 7.9×FY 2021: 12.1×FY 2022: 8.1×FY 2023: 11.1×FY 2024: 42.7×FY 2025: 10.2×
FY 2016 5y median 11.1× FY 2025
EV/EBITDA 25.1×
FY 2016: 12.6×FY 2017: 13.5×FY 2018: 13.1×FY 2019: 6.5×FY 2020: 0.6×FY 2021: 3.9×FY 2022: 1.7×FY 2023: 2.7×FY 2024: 7.4×FY 2025: 25.1×
FY 2016 5y median 3.9× FY 2025
EV/Sales 2.6×
FY 2016: 4.5×FY 2017: 4.2×FY 2018: 3.0×FY 2019: 2.2×FY 2020: -0.1×FY 2021: 1.3×FY 2022: 0.5×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 2.6×
FY 2016 5y median 1.5× FY 2025
FCF Yield 9.8%
FY 2016: 7.6%FY 2017: 6.3%FY 2018: 6.7%FY 2019: 10.3%FY 2020: 12.7%FY 2021: 8.2%FY 2022: 12.4%FY 2023: 9.0%FY 2024: 2.3%FY 2025: 9.8%
FY 2016 5y median 9.0% FY 2025

Profitability

Gross Margin 62.5%
FY 2016: 87.2%FY 2017: 86.7%FY 2018: 83.3%FY 2019: 85.1%FY 2020: 82.4%FY 2021: 95.4%FY 2022: 84.4%FY 2023: 71.4%FY 2024: 61.3%FY 2025: 62.5%
FY 2016 5y median 71.4% FY 2025
Operating Margin 7.7%
FY 2016: 27.8%FY 2017: 25.0%FY 2018: 16.9%FY 2019: 27.8%FY 2020: -17.2%FY 2021: 29.4%FY 2022: 25.7%FY 2023: 50.4%FY 2024: 19.4%FY 2025: 7.7%
FY 2016 5y median 25.7% FY 2025
Net Margin 7.1%
FY 2016: 19.7%FY 2017: 17.7%FY 2018: 13.9%FY 2019: 24.8%FY 2020: -19.5%FY 2021: 23.1%FY 2022: 20.5%FY 2023: 37.6%FY 2024: 15.9%FY 2025: 7.1%
FY 2016 5y median 20.5% FY 2025
ROE 3.1%
FY 2016: 8.5%FY 2017: 7.4%FY 2018: 5.1%FY 2019: 9.5%FY 2020: -7.9%FY 2021: 8.7%FY 2022: 10.2%FY 2023: 16.1%FY 2024: 8.5%FY 2025: 3.1%
FY 2016 5y median 8.7% FY 2025
ROIC 2.4%
FY 2016: 5.2%FY 2017: 4.4%FY 2018: 3.7%FY 2019: 7.3%FY 2020: -5.1%FY 2021: 6.1%FY 2022: 8.5%FY 2023: 11.9%FY 2024: 6.4%FY 2025: 2.4%
FY 2016 5y median 6.4% FY 2025
ROA 0.3%
FY 2016: 0.9%FY 2017: 0.7%FY 2018: 0.6%FY 2019: 1.1%FY 2020: -0.8%FY 2021: 0.8%FY 2022: 0.8%FY 2023: 1.5%FY 2024: 0.9%FY 2025: 0.3%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -13.3%
FY 2016: -0.3%FY 2017: 2.2%FY 2018: 29.3%FY 2019: 13.6%FY 2020: -5.6%FY 2021: -8.1%FY 2022: 9.4%FY 2023: 9.7%FY 2024: 31.9%FY 2025: -13.3%
FY 2016 FY 2025
Operating Income -65.5%
FY 2016: -9.9%FY 2017: -8.2%FY 2018: -12.5%FY 2019: 86.9%FY 2020: -158.5%FY 2021: 256.5%FY 2022: -4.2%FY 2023: 115.1%FY 2024: -49.3%FY 2025: -65.5%
FY 2016 FY 2025
EPS (diluted) -61.3%
FY 2016: -10.1%FY 2017: -9.1%FY 2018: -17.2%FY 2019: 87.9%FY 2020: -174.9%FY 2021: 209.1%FY 2022: 1.4%FY 2023: 101.8%FY 2024: -45.9%FY 2025: -61.3%
FY 2016 FY 2025
Free Cash Flow 399.5%
FY 2016: -84.2%FY 2017: -3.4%FY 2018: 7.4%FY 2019: 103.1%FY 2020: -18.7%FY 2021: -22.4%FY 2022: 27.9%FY 2023: -19.8%FY 2024: -68.6%FY 2025: 399.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.9×FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.4×
FY 2016: 4.9×FY 2017: 3.5×FY 2018: 2.5×FY 2019: -1.8×FY 2020: 18.5×FY 2021: -3.7×FY 2022: -4.8×FY 2023: -1.0×FY 2024: -0.8×FY 2025: 0.4×
FY 2016 5y median -1.0× FY 2025
Interest Coverage 0.2×
FY 2016: 3.7×FY 2017: 2.9×FY 2018: 1.4×FY 2019: 2.0×FY 2020: -1.7×FY 2021: 4.3×FY 2022: 2.9×FY 2023: 1.7×FY 2024: 0.5×FY 2025: 0.2×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 3.4%FY 2017: 2.9%FY 2018: 3.7%FY 2019: 3.2%FY 2020: 4.8%FY 2021: 4.0%FY 2022: 4.5%FY 2023: 4.2%FY 2024: 3.5%FY 2025: 2.9%
FY 2016 5y median 4.0% FY 2025
Payout Ratio 104.7%
FY 2016: 47.4%FY 2017: 51.8%FY 2018: 64.2%FY 2019: 36.4%FY 2020: -48.7%FY 2021: 44.7%FY 2022: 43.7%FY 2023: 22.7%FY 2024: 40.7%FY 2025: 104.7%
FY 2016 5y median 43.7% FY 2025

Annual · latest fiscal year ends 2025-12-31