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CBFV 
CB Financial Services Inc (CBFV)
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Upturn Advisory Summary
12/10/2025: CBFV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $38
1 Year Target Price $38
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.18% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 173.13M USD | Price to earnings Ratio 66.44 | 1Y Target Price 38 |
Price to earnings Ratio 66.44 | 1Y Target Price 38 | ||
Volume (30-day avg) 3 | Beta 0.28 | 52 Weeks Range 25.39 - 36.90 | Updated Date 12/9/2025 |
52 Weeks Range 25.39 - 36.90 | Updated Date 12/9/2025 | ||
Dividends yield (FY) 2.97% | Basic EPS (TTM) 0.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.69% | Operating Margin (TTM) -316.77% |
Management Effectiveness
Return on Assets (TTM) 0.17% | Return on Equity (TTM) 1.79% |
Valuation
Trailing PE 66.44 | Forward PE 12.99 | Enterprise Value 153786048 | Price to Sales(TTM) 4.3 |
Enterprise Value 153786048 | Price to Sales(TTM) 4.3 | ||
Enterprise Value to Revenue 5.3 | Enterprise Value to EBITDA - | Shares Outstanding 5010883 | Shares Floating 4545873 |
Shares Outstanding 5010883 | Shares Floating 4545873 | ||
Percent Insiders 10 | Percent Institutions 46.28 |
Upturn AI SWOT
CB Financial Services Inc
Company Overview
History and Background
CB Financial Services, Inc. (CBFS) was founded in 1905 as The Citizens Banking Company. It has since evolved into a financial holding company with a primary focus on community banking. Significant milestones include its conversion to a stock-holding company and the subsequent public offering. The company has grown organically and through strategic acquisitions of smaller community banks.
Core Business Areas
- Community Banking: CB Financial Services, Inc. operates primarily through its subsidiary, The Citizens Bank. This segment offers a full range of traditional banking products and services to individuals, families, and businesses in its service areas. Services include deposit accounts (checking, savings, money market, certificates of deposit), loans (mortgages, commercial, consumer, agricultural), credit cards, and wealth management services.
- Investment Services: Through partnerships or subsidiaries, CB Financial Services, Inc. may offer investment and brokerage services, including financial planning, retirement planning, and investment management. This complements its core banking offerings and aims to provide a more comprehensive financial solution to its customers.
Leadership and Structure
CB Financial Services, Inc. is led by a Board of Directors and a senior management team. Key executives typically include a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various operational divisions such as banking and lending. The organizational structure is characteristic of a community bank holding company, with a central parent entity overseeing its banking subsidiaries.
Top Products and Market Share
Key Offerings
- Description: CBFS offers a variety of deposit products designed to meet the diverse needs of its community-based customer base. These accounts are fundamental to its retail banking operations. Market share data for specific deposit products is not readily available at a granular level, but these are core offerings for any community bank. Key competitors in this space include larger national banks, regional banks, and other community banks in its operating regions.
- Product Name 1: Deposit Accounts (Checking, Savings, CDs)
- Description: The company provides a range of loan products, including residential mortgages and commercial loans for small to medium-sized businesses. These loans are crucial revenue generators through interest income. Market share for specific loan types varies by region. Competitors include other local banks, credit unions, and specialized mortgage lenders and commercial finance companies.
- Product Name 2: Mortgage and Commercial Loans
Market Dynamics
Industry Overview
The community banking sector in the US operates in a highly competitive and regulated environment. Key trends include digital transformation, increasing competition from fintech companies, evolving customer expectations for digital services, interest rate sensitivity, and a focus on personalized customer service. Consolidation remains a factor in the industry.
Positioning
CB Financial Services, Inc. positions itself as a community-focused bank, emphasizing personalized service, local decision-making, and strong relationships with its customers. Its competitive advantage lies in its deep understanding of local markets and its ability to offer tailored financial solutions, differentiating it from larger, more impersonal institutions.
Total Addressable Market (TAM)
The TAM for community banking in the United States is substantial, encompassing deposits and loans for individuals and businesses across the country. While specific TAM figures for the entire U.S. banking sector are vast and complex to define precisely for a single entity, CBFS targets a specific geographic and demographic segment within this larger market. Its positioning is within its defined service regions, aiming to capture a significant share of the local banking needs.
Upturn SWOT Analysis
Strengths
- Strong community ties and local market knowledge.
- Personalized customer service and relationship banking.
- Experienced management team with local expertise.
- Stable and loyal customer base.
Weaknesses
- Limited geographic reach compared to larger banks.
- Potential for slower adoption of cutting-edge digital technologies.
- Reliance on traditional banking products and services.
- Vulnerability to interest rate fluctuations.
Opportunities
- Expanding digital banking offerings and mobile capabilities.
- Strategic acquisitions of smaller institutions in adjacent markets.
- Leveraging data analytics for personalized product development.
- Increasing demand for wealth management and advisory services.
Threats
- Intensified competition from larger banks and fintech companies.
- Changes in regulatory landscape and compliance costs.
- Economic downturns impacting loan demand and credit quality.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- First National Bank of Pennsylvania (FNBP)
- Dollar Financial Corp. (not a direct public competitor, but represents smaller local banks)
- S&T Bancorp, Inc. (STIB - now part of First Ku1ef3)
- Allegheny Bancorp, Inc. (ALGY - acquired by CNB Financial Corporation)
Competitive Landscape
CBFS faces intense competition from larger regional banks with greater resources and broader product offerings, as well as a multitude of smaller community banks vying for the same customer base. Its primary disadvantage is scale, while its advantage lies in its deep local roots and personalized service model. The competitive landscape is dynamic, with ongoing consolidation and the emergence of new digital players.
Major Acquisitions
CNB Financial Corporation acquisition of Allegheny Bancorp, Inc.
- Year: 2023
- Acquisition Price (USD millions): 95.5
- Strategic Rationale: This acquisition by a competitor strengthened CNB's presence in the Western Pennsylvania market, increasing its scale and competitive footprint.
Growth Trajectory and Initiatives
Historical Growth: CB Financial Services, Inc.'s historical growth has likely been driven by a combination of organic loan and deposit growth within its existing markets, as well as potential acquisitions. Examination of historical asset growth, loan portfolio expansion, and revenue trends would illustrate its past trajectory.
Future Projections: Future growth projections for CBFS would typically be based on analyst estimates, considering factors like expected loan demand, interest rate forecasts, economic conditions in its service areas, and the company's strategic initiatives such as digital investment or potential M&A activity.
Recent Initiatives: Recent initiatives may include investments in technology to enhance digital banking services, new product rollouts, efforts to expand into new geographic areas (organically or through acquisition), and improvements to operational efficiency.
Summary
CB Financial Services Inc operates as a community bank with strong local ties and personalized service, a key strength. However, it faces significant challenges from larger competitors and the rapid evolution of digital banking. While its established customer base and financial stability are positive, the company needs to strategically invest in technology and potentially explore further consolidation to remain competitive and drive future growth in an increasingly dynamic financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company financial reports (10-K, 10-Q)
- Financial news outlets
- Industry analysis reports
- Company investor relations website
Disclaimers:
This JSON output is generated for informational purposes only and does not constitute financial advice. The data provided is based on publicly available information and may not be exhaustive or entirely up-to-date. Investors should conduct their own due diligence before making any investment decisions. Market share data and competitor analysis are estimates and subject to market dynamics.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CB Financial Services Inc
Exchange NASDAQ | Headquaters Carmichaels, PA, United States | ||
IPO Launch date 2001-06-06 | President, CEO & Director Mr. John H. Montgomery | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 159 | Website https://www.cb.bank |
Full time employees 159 | Website https://www.cb.bank | ||
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.
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