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Upturn AI SWOT - About
CBFV 
CB Financial Services Inc (CBFV)
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Upturn Advisory Summary
11/07/2025: 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 $38
1 Year Target Price $38
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.76% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 166.05M USD | Price to earnings Ratio 63.88 | 1Y Target Price 38 |
Price to earnings Ratio 63.88 | 1Y Target Price 38 | ||
Volume (30-day avg) 3 | Beta 0.28 | 52 Weeks Range 25.58 - 34.00 | Updated Date 11/8/2025 |
52 Weeks Range 25.58 - 34.00 | Updated Date 11/8/2025 | ||
Dividends yield (FY) 3.16% | Basic EPS (TTM) 0.52 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-24 | When After Market | Estimate 0.65 | Actual 0.74 |
Profitability
Profit Margin 6.69% | Operating Margin (TTM) -316.77% |
Management Effectiveness
Return on Assets (TTM) 0.17% | Return on Equity (TTM) 1.79% |
Valuation
Trailing PE 63.88 | Forward PE 12.99 | Enterprise Value 144904288 | Price to Sales(TTM) 4.13 |
Enterprise Value 144904288 | Price to Sales(TTM) 4.13 | ||
Enterprise Value to Revenue 3.99 | Enterprise Value to EBITDA - | Shares Outstanding 4998383 | Shares Floating 4534383 |
Shares Outstanding 4998383 | Shares Floating 4534383 | ||
Percent Insiders 10.02 | Percent Institutions 46.72 |
Upturn AI SWOT
CB Financial Services Inc
Company Overview
History and Background
CB Financial Services, Inc. was originally founded as a community bank in 1924. Through organic growth and acquisitions, it has evolved into a financial services company with a regional presence. It rebranded as CNB Financial Corporation in 2024, but was formally CB Financial Services, Inc.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services to individuals, families, and businesses.
- Insurance: Provides insurance products through various agencies.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other senior executives. The organizational structure is a traditional hierarchical structure typical of community banks.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are an important income source for the company, serving local businesses. Market share data specific to CB Financial Services Inc. is difficult to obtain but relies on market share of the local market/economy it operates in. Competitors include larger regional and national banks, as well as other community banks.
- Residential Mortgages: Residential mortgages are a key product for individuals in the communities served. Market share data is difficult to obtain but relies on market share of the local market/economy it operates in. Competitors include larger regional and national banks, as well as mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts make up a substantial portion of revenue from transaction fees, and interest. Market share data is difficult to obtain but relies on market share of the local market/economy it operates in. Competitors include larger regional and national banks, as well as credit unions and online banks.
Market Dynamics
Industry Overview
The banking industry is heavily regulated and influenced by interest rates, economic conditions, and technological advancements. Community banks face competition from larger institutions and fintech companies.
Positioning
CB Financial Services Inc positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its commitment to the communities it serves.
Total Addressable Market (TAM)
The TAM for community banking is significant, encompassing the total banking needs of individuals and businesses in the regions it serves. CB Financial Services Inc's position within this TAM is relatively small but focused, aiming to capture a share of the local market through personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence and community relationships
- Personalized customer service
- Experienced management team
- Diverse product offerings
Weaknesses
- Smaller scale compared to larger banks
- Limited geographic reach
- Vulnerability to regional economic downturns
- Reliance on traditional banking models
Opportunities
- Expansion into new markets or service lines
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes increasing compliance costs
- Economic recession impacting loan portfolio quality
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
CB Financial Services Inc is much smaller compared to the larger national banks. The company focuses on local and regional markets. Its advantages include strong customer relationships and community involvement, while its disadvantages include limited scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be assessed through analysis of past financial statements and market performance.
Future Projections: Future growth projections are typically available through analyst reports and company guidance.
Recent Initiatives: Recent initiatives may include new branch openings, digital banking upgrades, or strategic partnerships.
Summary
CNB Financial Corporation is a small community bank that competes with larger financial institutions. Its strength lies in its localized service and community ties, but it faces challenges due to its limited scale and exposure to regional economic fluctuations. Future success depends on its ability to adapt to changing industry dynamics and leverage technology. Careful risk management and regulatory compliance are also crucial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Financial Data Providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is approximate. Ratings are based on overall health and not a recommendation to buy, sell, or hold.
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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