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Upturn AI SWOT - About
CBFV 
CB Financial Services Inc (CBFV)
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Upturn Advisory Summary
07/03/2025: CBFV (1-star) is currently NOT-A-BUY. Pass it for now.
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 $30.67
1 Year Target Price $30.67
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.38% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 144.71M USD | Price to earnings Ratio 15.31 | 1Y Target Price 30.67 |
Price to earnings Ratio 15.31 | 1Y Target Price 30.67 | ||
Volume (30-day avg) 3 | Beta 0.29 | 52 Weeks Range 20.26 - 33.16 | Updated Date 07/4/2025 |
52 Weeks Range 20.26 - 33.16 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 3.51% | Basic EPS (TTM) 1.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.8% | Operating Margin (TTM) 20.7% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 7.11% |
Valuation
Trailing PE 15.31 | Forward PE 12.99 | Enterprise Value 120515400 | Price to Sales(TTM) 2.92 |
Enterprise Value 120515400 | Price to Sales(TTM) 2.92 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 4947180 | Shares Floating 4530763 |
Shares Outstanding 4947180 | Shares Floating 4530763 | ||
Percent Insiders 9.87 | Percent Institutions 42.03 |
Upturn AI SWOT
CB Financial Services Inc
Company Overview
History and Background
CB Financial Services Inc. was founded as a community bank. Over the years, it has expanded its services and geographic reach through organic growth and strategic acquisitions, evolving into a diversified financial services company.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals and businesses within its local markets.
- Wealth Management: Offers wealth management services, including financial planning, investment management, and trust services, to individuals and families.
- Insurance: Provides insurance products and services to individuals and businesses, including property and casualty insurance, life insurance, and employee benefits.
Leadership and Structure
Information about the leadership team and organizational structure of CB Financial Services Inc. is not readily available from public sources without more specific search terms. Further web search will be required for more details.
Top Products and Market Share
Key Offerings
- Commercial Lending: Offers loans to businesses for various purposes, such as working capital, equipment financing, and real estate development. Market share data is not readily available. Competitors: PNC, Huntington, WesBanco.
- Residential Mortgages: Provides mortgage loans to individuals for purchasing or refinancing homes. Market share data is not readily available. Competitors: Rocket Mortgage, Wells Fargo, U.S. Bank.
- Deposit Accounts: Offers a range of deposit accounts, including checking, savings, and money market accounts, to individuals and businesses. Market share data is not readily available. Competitors: Chase, Bank of America, PNC.
Market Dynamics
Industry Overview
The banking industry is currently influenced by factors such as interest rate fluctuations, regulatory changes, technological advancements, and economic conditions.
Positioning
CB Financial Services Inc. operates as a regional financial institution, focusing on community banking and wealth management services. Its competitive advantages likely include local market knowledge and personalized customer service.
Total Addressable Market (TAM)
The TAM for financial services in the US is in the trillions of dollars. CB Financial Services Inc. is positioned to capture a share of this market through its regional focus and diversified service offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Diversified service offerings
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economic conditions
- Information regarding current weaknesses is not readily available
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- WBS
- HFWA
Competitive Landscape
CB Financial Services Inc. faces competition from larger national and regional banks, as well as fintech companies. To compete, CB Financial Services Inc will need to leverage its local market knowledge and maintain strong customer relationships.
Major Acquisitions
No Acquisitions Found
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: No current acquisitions could be located
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends requires access to financial data.
Future Projections: Future projections are based on analyst estimates, which are not readily available without a financial data service subscription.
Recent Initiatives: Recent strategic initiatives undertaken by CB Financial Services Inc. are unavailable from public sources without more specific search terms.
Summary
CB Financial Services Inc. is a regional bank with a focus on community banking and wealth management. It benefits from strong community relationships but faces competition from larger institutions. Future growth opportunities lie in expanding into new markets and adopting digital technologies. It is important to monitor the economy and competitive landscape and watch for interest rate changes and regulatory updates.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Yahoo Finance
Disclaimers:
This analysis is based on limited publicly available information and should not be considered investment advice. Financial data may be outdated.
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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