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Upturn AI SWOT - About
CBFV 
CB Financial Services Inc (CBFV)
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Upturn Advisory Summary
09/15/2025: 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 $35.33
1 Year Target Price $35.33
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.62% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 166.02M USD | Price to earnings Ratio 15.56 | 1Y Target Price 35.33 |
Price to earnings Ratio 15.56 | 1Y Target Price 35.33 | ||
Volume (30-day avg) 3 | Beta 0.35 | 52 Weeks Range 25.58 - 33.70 | Updated Date 09/14/2025 |
52 Weeks Range 25.58 - 33.70 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.99% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.83% | Operating Margin (TTM) 36.55% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 7.97% |
Valuation
Trailing PE 15.56 | Forward PE 12.99 | Enterprise Value 140007088 | Price to Sales(TTM) 3.27 |
Enterprise Value 140007088 | Price to Sales(TTM) 3.27 | ||
Enterprise Value to Revenue 4.07 | Enterprise Value to EBITDA - | Shares Outstanding 4985560 | Shares Floating 4507842 |
Shares Outstanding 4985560 | Shares Floating 4507842 | ||
Percent Insiders 9.99 | Percent Institutions 44.95 |
Upturn AI SWOT
CB Financial Services Inc
Company Overview
History and Background
CB Financial Services, Inc. was incorporated in 2006 as the holding company for Citizens Bank. Citizens Bank traces its origins to 1905. It has grown through organic expansion and acquisitions.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals and businesses, including deposit accounts, loans, and other financial services.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments such as lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as equipment financing, working capital, and real estate. Market share data is difficult to obtain specifically for CB Financial Services Inc., but they compete with larger national and regional banks in their service area. Competitors include PNC, Huntington, and local credit unions.
- Residential Mortgages: Mortgage loans to individuals for purchasing or refinancing homes. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic conditions.
Positioning
CB Financial Services Inc. operates as a community bank, focusing on personalized service and local relationships. It competes with larger national and regional banks, as well as smaller community banks and credit unions.
Total Addressable Market (TAM)
The TAM for community banking is large, consisting of individuals and businesses seeking banking services. CB Financial Services Inc.'s position relative to this TAM depends on its market share within its geographic area.
Upturn SWOT Analysis
Strengths
- Strong local presence and relationships
- Personalized customer service
- Experienced management team
- Sound asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Lower brand recognition compared to national banks
- Susceptibility to economic downturns in its service area
- Dependence on net interest income
Opportunities
- Expansion into new markets
- Acquisition of smaller banks or branches
- Development of new products and services
- Increased use of technology to improve efficiency
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates
- Economic recession
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Huntington (HBAN)
- Fulton Financial (FULT)
Competitive Landscape
CB Financial Services Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local presence and personalized service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions.
Future Projections: The bank has been acquired and is no longer publicly traded.
Recent Initiatives: The bank was acquired by WesBanco.
Summary
CB Financial Services Inc. was a community bank focusing on local relationships and personalized service. It faced competition from larger banks and credit unions. Recent activity involved the bank being acquired by WesBanco, indicating a shift in its operational structure and future direction. The bank's strengths were its local presence and personalized service, while weaknesses included limited geographic reach and lower brand recognition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Third-Party Financial Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information.
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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