CB Financial Services Inc.
CBFV | NASDAQ
$36.87
-$0.02 (-0.05%)
Sep 22, 2026, 10:05 AM ET · Market open
Market Data
Market Cap $187.13M
Enterprise Value $210.82M
Beta 0.27
Average Volume 5.77K
Shares Outstanding (Diluted) 5.35M
Shares Change YoY 0.41%
Institutional Ownership 44.08%
Exchange NASDAQ
ISIN US12479G1013
Price Performance
Price Change 1M -2.1%
Price Change 3M -0.2%
Price Change 6M 9.6%
Price Change YTD 6.4%
Price Change 1Y 8.9%
Price Change 3Y 72.0%
Price Change 5Y 57.1%
1M CAGR (ann.) -2.1%
1Y CAGR (ann.) 12.2%
5Y CAGR (ann.) 14.3%
All-Time CAGR 8.3%
Valuation
PE Ratio 28.82
Forward PE 10.30
PEG Ratio -0.69
Forward PEG 3.10
PS Ratio 2.57
Forward PS 2.70
PB Ratio 1.15
P/FCF Ratio 11.74
P/Adj. FCF Ratio 12.34
P/OCF Ratio 9.39
EV/Sales 2.90
EV/EBIT 26.58
EV/EBITDA 22.69
EV/FCF 13.23
Earnings Yield 3.5%
FCF Yield 8.5%
Adj. FCF Yield 8.1%
Financial Health
Net Debt $23.69M
Total Debt $99.78M
Cash & Short-Term Investments $76.09M
Total Assets $1.66B
Current Ratio 1.17
Quick Ratio 1.17
Debt / Equity Ratio 0.62
Debt / EBITDA 10.74
Debt / FCF 6.26
OCF / Debt 0.17
Interest Coverage 0.32
Altman Z-Score 0.14
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 65.1%
Operating Profit Margin 10.9%
EBITDA Margin 12.8%
Net Profit Margin 9.9%
FCF Margin 21.9%
Adj. FCF Margin 20.8%
SBC / Revenue 0.8%
SBC Impact (per share) -4.9%
Returns
Return on Assets 0.4%
Return on Equity 4.6%
Return on Invested Capital 0.4%
Return on Capital Employed 0.5%
Return on Tangible Assets 0.4%
Historical Growth (CAGR)
Revenue CAGR 3Y 4.6%
Revenue CAGR 5Y 6.7%
Revenue CAGR 10Y 6.5%
EPS CAGR 3Y -23.9%
EPS CAGR 5Y -10.6%
EPS CAGR 10Y -4.0%
FCF CAGR 3Y -3.4%
FCF CAGR 5Y 2.0%
FCF CAGR 10Y -10.9%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 3
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Oct 21, 2026
EPS Estimate (next Q) $0.83
EPS Growth Est (next Q) 12.2%
Revenue Est (next Q) $16.25M
Revenue Growth Est (next Q) 14.7%
Fair Value Estimates
Graham Number $30.33
Graham Upside -17.8%
Lynch Fair Value $6.40
Lynch Upside -82.7%
Price Target $44
Price Target Upside 19.3%
Cash Flow
Operating Cash Flow $16.69M
Free Cash Flow $15.94M
Adj. Free Cash Flow $15.16M
FCF Per Share $3.82
OCF Per Share $3.93
OCF/S Ratio 27.4%
Income Statement
Revenue $72.81M
Gross Profit $47.38M
Operating Income $7.93M
EBITDA $9.29M
Net Income $7.21M
EPS (Diluted) $1.28
Revenue / Employee $430.85K
Profit / Employee $42.69K
Employees 169
Dividends
Annual Dividend $1.10
Dividend Yield 2.98%
Payout Ratio 85.9%
FCF Payout Ratio 33.0%
Adj. FCF Payout Ratio 34.7%
Dividend Growth (YoY) 8.9%
Pay Frequency Quarterly
Ex-Dividend Date Aug 13, 2026
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