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CB FINANCIAL SERVICES INC (CBFV) Stock Fundamental Analysis

NASDAQ:CBFV - Nasdaq - US12479G1013 - Common Stock - Currency: USD

29.4  -0.09 (-0.31%)

Fundamental Rating

3

Overall CBFV gets a fundamental rating of 3 out of 10. We evaluated CBFV against 398 industry peers in the Banks industry. There are concerns on the financial health of CBFV while its profitability can be described as average. CBFV has a expensive valuation and it also scores bad on growth. CBFV also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CBFV was profitable.
CBFV had a positive operating cash flow in the past year.
CBFV had positive earnings in 4 of the past 5 years.
CBFV had a positive operating cash flow in 4 of the past 5 years.
CBFV Yearly Net Income VS EBIT VS OCF VS FCFCBFV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

With an excellent Return On Assets value of 1.47%, CBFV belongs to the best of the industry, outperforming 89.95% of the companies in the same industry.
CBFV has a Return On Equity of 15.44%. This is amongst the best in the industry. CBFV outperforms 92.21% of its industry peers.
Industry RankSector Rank
ROA 1.47%
ROE 15.44%
ROIC N/A
ROA(3y)1.07%
ROA(5y)0.65%
ROE(3y)11.63%
ROE(5y)7.13%
ROIC(3y)N/A
ROIC(5y)N/A
CBFV Yearly ROA, ROE, ROICCBFV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

CBFV has a better Profit Margin (34.88%) than 92.21% of its industry peers.
In the last couple of years the Profit Margin of CBFV has declined.
CBFV does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.01%
PM growth 5Y-2.48%
GM growth 3YN/A
GM growth 5YN/A
CBFV Yearly Profit, Operating, Gross MarginsCBFV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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2

2. Health

2.1 Basic Checks

CBFV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CBFV has more shares outstanding
The number of shares outstanding for CBFV has been reduced compared to 5 years ago.
CBFV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CBFV Yearly Shares OutstandingCBFV Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
CBFV Yearly Total Debt VS Total AssetsCBFV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.2 Solvency

CBFV has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, CBFV is doing good in the industry, outperforming 73.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.59%
CBFV Yearly LT Debt VS Equity VS FCFCBFV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBFV Yearly Current Assets VS Current LiabilitesCBFV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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3

3. Growth

3.1 Past

CBFV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -53.32%.
Measured over the past years, CBFV shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.88% on average per year.
Looking at the last year, CBFV shows a very negative growth in Revenue. The Revenue has decreased by -24.80% in the last year.
CBFV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.07% yearly.
EPS 1Y (TTM)-53.32%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%-86.11%
Revenue 1Y (TTM)-24.8%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%-52.31%

3.2 Future

The Earnings Per Share is expected to grow by 3.50% on average over the next years.
The Revenue is expected to grow by 7.76% on average over the next years.
EPS Next Y-9.63%
EPS Next 2Y3.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.53%
Revenue Next 2Y7.76%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CBFV Yearly Revenue VS EstimatesCBFV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
CBFV Yearly EPS VS EstimatesCBFV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4

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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.41, the valuation of CBFV can be described as correct.
66.83% of the companies in the same industry are cheaper than CBFV, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.64, CBFV is valued a bit cheaper.
CBFV is valuated correctly with a Price/Forward Earnings ratio of 15.95.
Based on the Price/Forward Earnings ratio, CBFV is valued a bit more expensive than the industry average as 72.86% of the companies are valued more cheaply.
CBFV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.44.
Industry RankSector Rank
PE 14.41
Fwd PE 15.95
CBFV Price Earnings VS Forward Price EarningsCBFV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CBFV Per share dataCBFV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.5%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.49%, CBFV has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.68, CBFV has a dividend in line with its industry peers.
CBFV's Dividend Yield is a higher than the S&P500 average which is at 2.52.
Industry RankSector Rank
Dividend Yield 3.49%

5.2 History

The dividend of CBFV has a limited annual growth rate of 0.96%.
CBFV has been paying a dividend for at least 10 years, so it has a reliable track record.
CBFV has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.96%
Div Incr Years1
Div Non Decr Years18
CBFV Yearly Dividends per shareCBFV Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

22.28% of the earnings are spent on dividend by CBFV. This is a low number and sustainable payout ratio.
CBFV's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP22.28%
EPS Next 2Y3.5%
EPS Next 3YN/A
CBFV Yearly Income VS Free CF VS DividendCBFV Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
CBFV Dividend Payout.CBFV Dividend Payout, showing the Payout Ratio.CBFV Dividend Payout.PayoutRetained Earnings

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CB FINANCIAL SERVICES INC

NASDAQ:CBFV (4/24/2025, 3:22:53 PM)

29.4

-0.09 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2025-01-29/amc
Earnings (Next)04-25 2025-04-25/amc
Inst Owners42.35%
Inst Owner Change-0.76%
Ins Owners8.38%
Ins Owner Change5.41%
Market Cap149.94M
Analysts47.5
Price Target31.28 (6.39%)
Short Float %1.08%
Short Ratio3.58
Dividend
Industry RankSector Rank
Dividend Yield 3.49%
Yearly Dividend1
Dividend Growth(5Y)0.96%
DP22.28%
Div Incr Years1
Div Non Decr Years18
Ex-Date02-14 2025-02-14 (0.25)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)2.31%
Min EPS beat(2)-0.69%
Max EPS beat(2)5.32%
EPS beat(4)3
Avg EPS beat(4)6.59%
Min EPS beat(4)-0.69%
Max EPS beat(4)11.29%
EPS beat(8)5
Avg EPS beat(8)0.53%
EPS beat(12)8
Avg EPS beat(12)2.33%
EPS beat(16)10
Avg EPS beat(16)1.42%
Revenue beat(2)0
Avg Revenue beat(2)-1.8%
Min Revenue beat(2)-3.09%
Max Revenue beat(2)-0.5%
Revenue beat(4)2
Avg Revenue beat(4)13.41%
Min Revenue beat(4)-3.09%
Max Revenue beat(4)49.13%
Revenue beat(8)3
Avg Revenue beat(8)5.27%
Revenue beat(12)5
Avg Revenue beat(12)4.86%
Revenue beat(16)5
Avg Revenue beat(16)2.65%
PT rev (1m)0%
PT rev (3m)5.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.31%
Valuation
Industry RankSector Rank
PE 14.41
Fwd PE 15.95
P/S 2.27
P/FCF N/A
P/OCF 86.82
P/B 1.01
P/tB 1.08
EV/EBITDA N/A
EPS(TTM)2.04
EY6.94%
EPS(NY)1.84
Fwd EY6.27%
FCF(TTM)-0.59
FCFYN/A
OCF(TTM)0.34
OCFY1.15%
SpS12.95
BVpS29.24
TBVpS27.32
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 15.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.88%
GM N/A
FCFM N/A
ROA(3y)1.07%
ROA(5y)0.65%
ROE(3y)11.63%
ROE(5y)7.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.01%
PM growth 5Y-2.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 184.03%
Cap/Sales 7.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.59%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-53.32%
EPS 3Y-1.89%
EPS 5Y-4.88%
EPS Q2Q%-86.11%
EPS Next Y-9.63%
EPS Next 2Y3.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-24.8%
Revenue growth 3Y-2.96%
Revenue growth 5Y-0.07%
Sales Q2Q%-52.31%
Revenue Next Year6.53%
Revenue Next 2Y7.76%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-114.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-92.42%
OCF growth 3YN/A
OCF growth 5YN/A