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CBFV logo CBFV
Upturn stock ratingUpturn stock rating
CBFV logo

CB Financial Services Inc (CBFV)

Upturn stock ratingUpturn stock rating
$28.5
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: CBFV (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $30.67

1 Year Target Price $30.67

Analysts Price Target For last 52 week
$30.67Target price
Low$20.26
Current$28.5
high$33.16

Analysis of Past Performance

Type Stock
Historic Profit 10.38%
Avg. Invested days 45
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 138.67M USD
Price to earnings Ratio 14.68
1Y Target Price 30.67
Price to earnings Ratio 14.68
1Y Target Price 30.67
Volume (30-day avg) 3
Beta 0.29
52 Weeks Range 20.26 - 33.16
Updated Date 06/29/2025
52 Weeks Range 20.26 - 33.16
Updated Date 06/29/2025
Dividends yield (FY) 3.55%
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 14.68
Forward PE 12.99
Enterprise Value 118154472
Price to Sales(TTM) 2.8
Enterprise Value 118154472
Price to Sales(TTM) 2.8
Enterprise Value to Revenue 3.63
Enterprise Value to EBITDA -
Shares Outstanding 4947180
Shares Floating 4530763
Shares Outstanding 4947180
Shares Floating 4530763
Percent Insiders 9.87
Percent Institutions 42.03

Analyst Ratings

Rating 2
Target Price 30.67
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

CB Financial Services Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 159

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.