Symbols / CBFV Stock $36.76 +2.62% CB Financial Services, Inc.

Financial Services • Banks - Regional • United States • NGM
CBFV (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. John H. Montgomery
Exch · Country NGM · United States
Market Cap 186.45M
Enterprise Value 165.67M
Income 6.86M
Sales 45.39M
FCF (ttm) —
Book/sh 31.30
Cash/sh 10.95
Employees 169
Insider 10d —
IPO Oct 07, 2003
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 80.77%
P/E 28.28
Forward P/E 10.97
PEG 1.12
P/S 4.11
P/B 1.17
P/C —
EV/EBITDA —
EV/Sales 3.65
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.30
EPS next Y 3.35
EPS Growth 108.60%
Revenue Growth 20.20%
EPS Gr Q/Q 102.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-22
ROA 0.45%
ROE 4.47%
ROIC —
Gross Margin 0.00%
Oper. Margin 32.60%
Profit Margin 15.12%
Shs Outstand 5.07M
Shs Float 4.61M
Insider Own 10.18%
Instit Own 44.50%
Short Float 2.15%
Short Ratio 20.85
Short Interest 98.04K
52W High 37.75
vs 52W High -2.62%
52W Low 27.11
vs 52W Low 35.60%
Beta 0.26
Impl. Vol. —
Rel Volume 0.43
Avg Volume 5.17K
Volume 2.23K
Target (mean) $39.33
Tgt Median $39.00
Tgt Low $39.00
Tgt High $40.00
# Analysts 3
Recom Buy
Prev Close $35.82
Price $36.76
Change 2.62%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$39.33
Mean price target
2. Current target
$36.76
Latest analyst target
3. DCF / Fair value
$19.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$36.76
Low
$39.00
High
$40.00
Mean
$39.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-25 init DA Davidson — → Buy $43
2026-01-29 main Keefe, Bruyette & Woods Outperform → Outperform $39
2025-10-27 main Keefe, Bruyette & Woods Outperform → Outperform $40
2025-07-24 main DA Davidson Neutral → Neutral $32
2025-07-24 up Keefe, Bruyette & Woods Market Perform → Outperform $39
2024-10-29 main DA Davidson Neutral → Neutral $27
2024-07-29 reit Keefe, Bruyette & Woods Market Perform → Market Perform $25
2024-05-02 reit Keefe, Bruyette & Woods Market Perform → Market Perform $24
2024-02-05 reit DA Davidson Neutral → Neutral $24
2023-12-08 init Janney Montgomery Scott — → Neutral $25
2023-08-16 down Keefe, Bruyette & Woods Outperform → Market Perform $25
2023-04-06 main Keefe, Bruyette & Woods — → Outperform $25
2021-01-04 down DA Davidson Buy → Neutral $20
2020-05-06 main DA Davidson — → Buy $27
2017-03-06 init DA Davidson — → Buy $31
2016-11-29 down Keefe, Bruyette & Woods Outperform → Market Perform —
2015-08-20 init Keefe, Bruyette & Woods — → Outperform $25
News
RSS: Latest CBFV news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-05 COBAIN STEPHEN Officer — 1,792 $34.51 $61,963
2026-03-05 COBAIN STEPHEN Officer — 1,792 $22.12 $39,639
2026-02-23 COBAIN STEPHEN Officer — 140 $33.77 $4,730
2026-02-23 ENGLES AMANDA L Chief Financial Officer — 54 $33.77 $1,825
2026-02-20 SHARP BRUCE Officer — 4,110 $22.01 $99,099
2026-02-13 BURCHIANTI RALPH Officer and Director — 750 $0.00 $0
2026-02-13 COBAIN STEPHEN Officer — 1,375 $0.00 $0
2026-02-13 SHARP BRUCE Officer — 1,525 $0.00 $0
2026-02-13 ENGLES AMANDA L Chief Financial Officer — 1,325 $0.00 $0
2026-02-13 LACARTE JOHN J Director — 750 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
41.50
-15.55%
49.14
+16.00%
42.36
-15.22%
49.96
Operating Revenue
41.50
-15.55%
49.14
+16.00%
42.36
-15.22%
49.96
Selling General And Administration
23.77
+17.25%
20.28
-13.38%
23.41
+17.58%
19.91
Selling And Marketing Expense
0.57
+16.94%
0.48
+13.62%
0.43
-19.17%
0.53
General And Administrative Expense
23.21
+17.25%
19.79
-13.88%
22.98
+18.58%
19.38
Salaries And Wages
22.21
+18.02%
18.82
-14.07%
21.90
+18.59%
18.47
Other Gand A
—
—
—
1.79
Reconciled Depreciation
1.81
-25.36%
2.42
-11.40%
2.74
+1.22%
2.70
Total Unusual Items
0.04
-90.29%
0.41
-98.32%
24.59
+5605.10%
0.43
Total Unusual Items Excluding Goodwill
0.04
-90.29%
0.41
-98.32%
24.59
+5605.10%
0.43
Special Income Charges
0.04
-90.29%
0.41
-98.32%
24.59
+5605.10%
0.43
Other Special Charges
-0.04
+85.40%
-0.27
-2390.91%
-0.01
+97.45%
-0.43
Impairment Of Capital Assets
—
—
—
0.00
Net Income
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Pretax Income
5.30
-65.46%
15.34
-49.34%
30.29
+115.09%
14.08
Net Interest Income
50.72
+10.37%
45.96
+3.40%
44.45
+3.74%
42.84
Interest Expense
25.16
-16.30%
30.06
+70.12%
17.67
+269.63%
4.78
Interest Income
75.89
-0.17%
76.02
+22.38%
62.12
+30.43%
47.62
Gain On Sale Of Security
-11.81
-23250.98%
0.05
+100.50%
-10.20
-5970.83%
-0.17
Gain On Sale Of Business
0.00
-100.00%
0.14
-99.44%
24.58
0.00
Tax Provision
0.40
-85.56%
2.75
-64.46%
7.74
+173.03%
2.83
Tax Rate For Calcs
0.00
-58.10%
0.00
-29.80%
0.00
+26.87%
0.00
Tax Effect Of Unusual Items
0.00
-95.93%
0.07
-98.82%
6.27
+7137.82%
0.09
Net Income Including Noncontrolling Interests
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Net Income From Continuing Operation Net Minority Interest
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Net Income From Continuing And Discontinued Operation
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Net Income Continuous Operations
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Normalized Income
4.87
-60.30%
12.26
+189.65%
4.23
-61.19%
10.90
Net Income Common Stockholders
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Diluted EPS
—
2.38
-45.91%
4.40
+101.83%
2.18
Basic EPS
—
2.45
-44.44%
4.41
+101.37%
2.19
Basic Average Shares
—
5.13
+0.39%
5.11
-0.44%
5.14
Diluted Average Shares
—
5.30
+3.51%
5.12
-0.51%
5.15
Diluted NI Availto Com Stockholders
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Amortization
0.00
-100.00%
0.96
-45.75%
1.77
-0.90%
1.78
Amortization Of Intangibles Income Statement
0.00
-100.00%
0.96
-45.75%
1.77
-0.90%
1.78
Depreciation Amortization Depletion Income Statement
0.00
-100.00%
0.96
-45.75%
1.77
-0.90%
1.78
Depreciation And Amortization In Income Statement
0.00
-100.00%
0.96
-45.75%
1.77
-0.90%
1.78
Insurance And Claims
0.99
+2.37%
0.97
-10.00%
1.08
+18.29%
0.91
Occupancy And Equipment
3.96
-6.73%
4.25
+4.65%
4.06
+7.29%
3.79
Other Non Interest Expense
6.89
-3.91%
7.17
+6.19%
6.75
+16.00%
5.82
Professional Expense And Contract Services Expense
1.02
+3.96%
0.98
-16.67%
1.18
-4.45%
1.24
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,547.69
+4.46%
1,481.56
+1.75%
1,456.09
+3.35%
1,408.94
Cash And Cash Equivalents
31.69
-36.07%
49.57
-27.34%
68.22
-34.21%
103.70
Other Short Term Investments
—
259.51
+26.90%
204.51
+9.15%
187.36
Receivables
—
—
—
21.14
Accounts Receivable
—
—
—
21.14
Net PPE
19.65
-5.13%
20.71
+5.10%
19.70
+10.42%
17.84
Gross PPE
31.58
-17.62%
38.33
+4.45%
36.70
+6.95%
34.31
Accumulated Depreciation
-11.93
+32.30%
-17.62
-3.70%
-17.00
-3.19%
-16.47
Land And Improvements
2.52
-0.40%
2.52
-8.15%
2.75
+17.28%
2.34
Buildings And Improvements
20.45
-3.61%
21.22
+7.12%
19.81
+2.26%
19.37
Machinery Furniture Equipment
7.26
-43.84%
12.93
+11.14%
11.64
+14.08%
10.20
Construction In Progress
0.21
-10.13%
0.24
-87.12%
1.84
+11.85%
1.65
Leases
1.13
-20.07%
1.42
+114.07%
0.66
-11.75%
0.75
Goodwill And Other Intangible Assets
9.73
+0.00%
9.73
-8.96%
10.69
-19.29%
13.24
Goodwill
9.73
+0.00%
9.73
+0.00%
9.73
+0.00%
9.73
Other Intangible Assets
—
—
0.96
-72.73%
3.51
Investments And Advances
279.89
+6.77%
262.15
+26.59%
207.09
+8.96%
190.06
Total Liabilities Net Minority Interest
1,390.16
+4.20%
1,334.19
+1.36%
1,316.26
+1.35%
1,298.78
Payables And Accrued Expenses
—
—
—
7.58
Payables
—
—
—
7.58
Accounts Payable
—
—
—
7.58
Current Debt And Capital Lease Obligation
20.00
+0.00%
20.00
0.00
0.00
Current Debt
20.00
+0.00%
20.00
0.00
0.00
Other Current Borrowings
20.00
+0.00%
20.00
0.00
0.00
Long Term Debt And Capital Lease Obligation
14.76
+0.27%
14.72
-57.56%
34.68
+136.90%
14.64
Long Term Debt
14.76
+0.27%
14.72
-57.56%
34.68
+136.90%
14.64
Stockholders Equity
157.54
+6.89%
147.38
+5.39%
139.83
+26.94%
110.16
Common Stock Equity
157.54
+6.89%
147.38
+5.39%
139.83
+26.94%
110.16
Capital Stock
2.43
+0.83%
2.41
+0.50%
2.40
+0.88%
2.38
Common Stock
2.43
+0.83%
2.41
+0.50%
2.40
+0.88%
2.38
Preferred Stock
—
—
0.00
0.00
Share Issued
5.84
+0.82%
5.79
+0.49%
5.76
+0.89%
5.71
Ordinary Shares Number
5.04
-1.87%
5.13
+0.26%
5.12
+0.38%
5.10
Treasury Shares Number
0.80
+21.94%
0.66
+2.38%
0.64
+5.19%
0.61
Additional Paid In Capital
87.64
+1.47%
86.37
+1.22%
85.33
+1.64%
83.95
Retained Earnings
90.62
-0.25%
90.86
+8.95%
83.39
+30.58%
63.86
Gains Losses Not Affecting Retained Earnings
-3.41
+80.20%
-17.23
-2.91%
-16.75
+36.18%
-26.24
Treasury Stock
19.75
+31.43%
15.03
+3.32%
14.54
+5.42%
13.80
Total Equity Gross Minority Interest
157.54
+6.89%
147.38
+5.39%
139.83
+26.94%
110.16
Total Capitalization
172.29
+6.29%
162.10
-7.11%
174.51
+39.84%
124.79
Invested Capital
192.29
+5.60%
182.10
+4.35%
174.51
+39.84%
124.79
Total Debt
34.76
+0.12%
34.72
+0.12%
34.68
+136.90%
14.64
Net Debt
3.06
—
—
—
Net Tangible Assets
147.81
+7.38%
137.65
+6.58%
129.14
+33.26%
96.91
Tangible Book Value
147.81
+7.38%
137.65
+6.58%
129.14
+33.26%
96.91
Available For Sale Securities
279.89
+10506.10%
2.64
+1.97%
2.59
-4.08%
2.70
Cash Cash Equivalents And Federal Funds Sold
31.69
-36.07%
49.57
-27.34%
68.22
-34.21%
103.70
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
17.81
+163.81%
6.75
-52.58%
14.24
+0.60%
14.15
Cash Flow From Continuing Operating Activities
17.81
+163.81%
6.75
-52.58%
14.24
+0.60%
14.15
Net Income From Continuing Operations
4.90
-61.07%
12.59
-44.15%
22.55
+100.50%
11.25
Depreciation Amortization Depletion
1.81
-25.36%
2.42
-11.40%
2.74
+1.22%
2.70
Depreciation And Amortization
1.81
-25.36%
2.42
-11.40%
2.74
+1.22%
2.70
Other Non Cash Items
1.80
+136.93%
-4.86
-142.18%
-2.01
+45.67%
-3.70
Stock Based Compensation
0.80
-1.97%
0.81
-27.82%
1.12
+87.50%
0.60
Asset Impairment Charge
—
—
—
0.00
Deferred Tax
-0.01
+71.43%
-0.05
-68.97%
-0.03
+49.12%
-0.06
Deferred Income Tax
-0.01
+71.43%
-0.05
-68.97%
-0.03
+49.12%
-0.06
Operating Gains Losses
11.66
+2364.47%
-0.52
+96.42%
-14.39
-5371.48%
-0.26
Gain Loss On Investment Securities
11.81
+23250.98%
-0.05
-100.50%
10.20
+5970.83%
0.17
Gain Loss On Sale Of PPE
-0.04
+85.40%
-0.27
-2390.91%
-0.01
+97.45%
-0.43
Change In Working Capital
-3.36
+4.76%
-3.53
-174.74%
4.72
+2118.38%
-0.23
Change In Receivables
-0.79
-57.60%
-0.50
+54.67%
-1.10
-74.25%
-0.63
Changes In Account Receivables
-0.79
-57.60%
-0.50
+54.67%
-1.10
-74.25%
-0.63
Change In Payables And Accrued Expense
-2.51
+22.10%
-3.22
-159.17%
5.44
+4102.94%
-0.14
Change In Payable
-2.51
+22.10%
-3.22
-159.17%
5.44
+4102.94%
-0.14
Change In Account Payable
-0.47
-169.65%
0.68
-53.26%
1.46
+1213.74%
-0.13
Investing Cash Flow
-82.61
-127.05%
-36.38
+33.52%
-54.73
-93.33%
-28.31
Cash Flow From Continuing Investing Activities
-82.61
-127.05%
-36.38
+33.52%
-54.73
-93.33%
-28.31
Net PPE Purchase And Sale
-0.61
+73.83%
-2.33
+28.31%
-3.25
-11093.10%
-0.03
Purchase Of PPE
-0.65
+80.39%
-3.31
-0.67%
-3.29
-546.95%
-0.51
Sale Of PPE
0.04
-95.85%
0.99
+2002.13%
0.05
-90.21%
0.48
Capital Expenditure
-0.65
+80.39%
-3.31
-0.67%
-3.29
-546.95%
-0.51
Net Investment Purchase And Sale
-12.57
+77.10%
-54.87
-261.81%
-15.16
-727.69%
2.42
Purchase Of Investment
-170.10
-142.22%
-70.22
+29.92%
-100.21
-273.55%
-26.83
Sale Of Investment
157.53
+925.85%
15.36
-81.94%
85.04
+190.83%
29.24
Net Business Purchase And Sale
—
0.00
-100.00%
26.92
0.00
Gain Loss On Sale Of Business
0.00
+100.00%
-0.14
+99.44%
-24.58
0.00
Net Other Investing Changes
0.18
-94.55%
3.23
+1064.98%
0.28
-59.91%
0.69
Financing Cash Flow
46.92
+327.21%
10.98
+119.07%
5.01
+375.80%
-1.82
Cash Flow From Continuing Financing Activities
46.92
+327.21%
10.98
+119.07%
5.01
+375.80%
-1.82
Net Issuance Payments Of Debt
0.00
0.00
-100.00%
11.94
+134.91%
-34.21
Issuance Of Debt
20.00
0.00
-100.00%
20.00
0.00
Repayment Of Debt
-20.00
0.00
0.00
+100.00%
-3.00
Long Term Debt Issuance
20.00
0.00
-100.00%
20.00
0.00
Long Term Debt Payments
-20.00
0.00
0.00
+100.00%
-3.00
Net Long Term Debt Issuance
0.00
0.00
-100.00%
20.00
+766.67%
-3.00
Net Short Term Debt Issuance
—
0.00
+100.00%
-8.06
+74.17%
-31.21
Net Common Stock Issuance
-6.84
-608.81%
-0.96
-14.47%
-0.84
+82.44%
-4.80
Common Stock Payments
-6.84
-608.81%
-0.96
-14.47%
-0.84
+82.44%
-4.80
Common Stock Dividend Paid
-5.13
-0.08%
-5.13
-0.37%
-5.11
-3.88%
-4.92
Cash Dividends Paid
-5.13
-0.08%
-5.13
-0.37%
-5.11
-3.88%
-4.92
Repurchase Of Capital Stock
-6.84
-608.81%
-0.96
-14.47%
-0.84
+82.44%
-4.80
Proceeds From Stock Option Exercised
2.61
+262.14%
0.72
+93.82%
0.37
+69.09%
0.22
Changes In Cash
-17.88
+4.14%
-18.65
+47.43%
-35.48
-122.09%
-15.97
Beginning Cash Position
49.57
-27.34%
68.22
-34.21%
103.70
-13.35%
119.67
End Cash Position
31.69
-36.07%
49.57
-27.34%
68.22
-34.21%
103.70
Free Cash Flow
17.16
+399.48%
3.44
-68.61%
10.94
-19.78%
13.64
Interest Paid Supplemental Data
25.64
-12.74%
29.38
+81.22%
16.21
+230.07%
4.91
Income Tax Paid Supplemental Data
0.30
-95.27%
6.34
+119.76%
2.88
-11.15%
3.25
Amortization Of Securities
-0.37
+46.25%
-0.69
-2413.33%
0.03
-54.55%
0.07
Change In Income Tax Payable
-2.03
+47.89%
-3.90
-197.94%
3.98
+79800.00%
-0.01
Change In Tax Payable
-2.03
+47.89%
-3.90
-197.94%
3.98
+79800.00%
-0.01
Sale Of Business
—
0.00
-100.00%
26.92
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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