Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
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
09/24/2026: CBFV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
CB Financial Services Inc is a regional bank holding company providing commercial and retail banking services through its Community Bank subsidiary. The firm is known for its relationship-driven model and local market presence, which provides stable deposit and loan volume. Its main growth opportunity lies in selectively expanding fee-based wealth management services and potential regional acquisitions. However, it faces significant risks from geographic concentration, interest rate sensitivity, and competition from larger, tech-capable banks. The stock is best suited for value and income-focused investors who prioritize steady dividends, though they should monitor net interest margins and credit quality closely in an evolving economic environment.
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 | Weak fit | The company's business model is focused on stable regional banking rather than high-growth initiatives. |
| Momentum investor | Weak fit | The stock typically exhibits low trading volume and limited price momentum compared to growth sectors. |
| Value investor | Strong fit | The stock is often priced based on traditional book value and earnings multiples common in regional bank valuations. |
| Dividend investor | Strong fit | The company has a consistent history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, regional banks face specific macroeconomic risks that can lead to moderate stock price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be volatile during periods of economic uncertainty or interest rate fluctuations. |
| Valuation risk | Low | Valuations are generally tied to stable tangible book value, limiting extreme overvaluation risks. |
| Competition risk (Banking competition) | Medium / high | Intense competition from larger regional and national banks creates pressure on interest margins and deposit acquisition. |
| Business quality | Medium | The company relies on a stable but narrow geographic footprint, which limits its ability to diversify risk. |
| Dividend income | Low | The dividend is generally secure, though not immune to severe earnings downturns. |
| Execution risk | Medium | Success depends on maintaining credit quality in a local market and managing integration risks if further acquisitions occur. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -11.25% | Avg. Invested days 38 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
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 188.58M USD | Price to earnings Ratio 27.69 | 1Y Target Price 41.33 |
Price to earnings Ratio 27.69 | 1Y Target Price 41.33 | ||
Volume (30-day avg) 5.1K shares | Beta 0.27 | 52 Weeks Range 30.03 - 38.57 | Updated Date 09/24/2026 |
52 Weeks Range 30.03 - 38.57 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 2.85% | Basic EPS (TTM) 1.34 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on customer deposits. | The bank makes money on the 'spread'—the difference between what it charges for loans and what it pays to depositors. |
| Non-Interest Income | Service charges on deposits, wealth management fees, and mortgage banking income. | Diversified fee income helps stabilize revenue beyond just lending activity. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 27.69 | Forward PE 12.99 | Enterprise Value 215.43M | Price to Sales(TTM) 3.98 |
Enterprise Value 215.43M | Price to Sales(TTM) 3.98 | ||
Enterprise Value to Revenue 6.34 | Enterprise Value to EBITDA - | Shares Outstanding 5.08M | Shares Floating 4.62M |
Shares Outstanding 5.08M | Shares Floating 4.62M | ||
Percent Insiders 10.24 | Percent Institutions 45.56 |
Upturn AI Summary
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.
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.
About CB Financial Services Inc
Exchange NASDAQ | Headquarters 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 169 | Website https://www.cb.bank |
Full time employees 169 | Website https://www.cb.bank | ||
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides banking products and services for individuals and businesses. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings and checking 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 comprising 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 invests in U.S. treasuries, U.S. government agency securities, mortgage-backed securities (MBS's), collateralized mortgage obligations (CMO's), investment grade corporate bonds, obligations of states and political subdivisions, short-term instruments, collateralized loan obligations (CLO's), and other securities; and equity securities, which includes mutual funds. CB Financial Services, Inc. was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.