CBFV$34.81
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Performance
Key Stats
AI CBFV Summary
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Powered by LiveAIOverall Analysis
BuyCB Financial Services demonstrates strong fundamental performance with improving profitability and a solid balance sheet. While technical indicators show a mixed short-term outlook, the company's strategic initiatives and positive dividend trend support a favorable long-term investment thesis.
Thematic
CB Financial Services is positioned within the regional banking sector, benefiting from a stable but moderate growth environment. Its focus on commercial lending and strategic treasury services aligns with current industry trends for enhanced revenue generation and deposit base expansion.
Fundamental
CB Financial Services exhibits strong financial health characterized by robust earnings growth, improving profitability, and a sound balance sheet. The strategic shift towards higher-yielding commercial loans and effective cost management are key drivers of its performance.
Technical
The stock is trading within a generally positive trend, with key moving averages indicating bullish momentum. However, some oscillators suggest a potential for short-term consolidation.
| Factor | Score |
|---|---|
| Sector Growth Trends | 70 |
| Digital Transformation | 80 |
| Interest Rate Environment | 85 |
| Regulatory Landscape | 60 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 85 |
| Growth | 80 |
| Balance Sheet Health | 90 |
| Cash Flow | 70 |
| Dividend Payout | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 75 |
| Momentum Indicators | 60 |
| Support and Resistance | 65 |
| Volume Confirmation | 55 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive P/E Ratio
The trailing P/E ratio of 20.9 is lower than the industry average, suggesting the stock may be undervalued relative to its earnings.
Strong Cash Position
The company's cash equivalents have increased from $103.7M in 2022 to $49.57M in 2024Q4, with $49.57M in cash equivalents as of 2024Q4, indicating good liquidity.
Bearish Points (7)
High Price-to-Sales Ratio
The TTM Price/Sales ratio of 4.4 is higher than the 2021 ratio of 2.2, indicating that the stock may be overvalued based on its sales.
Slowing Revenue Growth
Revenue in 2024Q4 ($12.277M) is lower than in 2024Q3 ($12.138M), indicating a deceleration in revenue growth.
Calendar
May 2025
30
Next Dividend Date
July 2025
22
Next Earnings Date
H: $0.64
A: $0.64
L: $0.64
H: 14.03M
A: 13.96M
L: 13.90M
August 2025
15
Ex-Dividend Date
Profile
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 and West Virginia. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings 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, such as 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 conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. CB Financial Services, Inc. was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
Seasonals
Price Target
34.00 USD
The 39 analysts offering 1 year price forecasts for CBFV have a max estimate of 39.00 and a min estimate of 31.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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