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Upturn AI Summary - About
CB Financial Services Inc(CBFV)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CBFV
11/05/2026: CBFV (2-star) has a low Upturn Star Rating. Not recommended to BUY.
CB Financial Services Inc is a long-standing bank holding company centered on community banking in southwestern Pennsylvania and West Virginia. Its core strengths include a durable 125-year history and a strategic shift toward high-yielding commercial loans and modern treasury services to bolster margins. The primary investment story rests on the company’s ability to attract low-cost deposits through its new Specialty Treasury program. Risks include geographic concentration and competition from larger institutions with greater scale. The stock may suit value and dividend-focused investors seeking exposure to regional banking; however, monitor the success of new digital initiatives and credit quality within its commercial portfolio.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | As a community bank, growth is generally steady and organic rather than aggressive. |
| Momentum investor | Mixed fit | Price action is often tied to macroeconomic banking trends rather than high-velocity momentum. |
| Value investor | Strong fit | The stock often trades based on book value and earnings power typical of regional bank value plays. |
| Dividend investor | Strong fit | Stable dividend history makes it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional banking can be sensitive to regional economic and interest rate cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate sentiment. |
| Valuation risk | Medium | Earnings multiples fluctuate based on industry cycles. |
| Competition risk (Regional bank competition) | Medium / high | Intense local competition for deposits and loans impacts margins. |
| Business quality | Medium | Long operating history provides a solid foundation. |
| Dividend income | Medium | Dividends are subject to board approval and earnings stability. |
| Execution risk | Medium | Success depends on the integration of new digital treasury services. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -6.06% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 209.49M USD | Price to earnings Ratio 11.84 | 1Y Target Price 44 |
Price to earnings Ratio 11.84 | 1Y Target Price 44 | ||
Volume (30-day avg) 6.4K shares | Beta 0.27 | 52 Weeks Range 31.23 - 41.31 | Updated Date 11/05/2026 |
52 Weeks Range 31.23 - 41.31 | Updated Date 11/05/2026 | ||
Dividends yield (FY) 2.72% | Basic EPS (TTM) 3.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, real estate, and consumer loans minus interest paid on deposits. | The bank's primary profit engine is the 'spread' between what it earns on loans and pays on deposits. |
| Noninterest Income | Service fees, wealth management advisory, and insurance brokerage commissions. | These are steady, fee-based revenue streams that provide diversification. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When After Market | Estimate 0.83 | Actual 0.91 |
Profitability
Profit Margin 29.73% | Operating Margin (TTM) 37.39% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 11.83% |
Valuation
Trailing PE 11.84 | Forward PE 12.99 | Enterprise Value 292.45M | Price to Sales(TTM) 3.42 |
Enterprise Value 292.45M | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 5.32 | Enterprise Value to EBITDA - | Shares Outstanding 5.08M | Shares Floating 4.62M |
Shares Outstanding 5.08M | Shares Floating 4.62M | ||
Percent Insiders 10.26 | Percent Institutions 45.36 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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