
CB Financial Services, Inc.
CBFVNASDAQFinancial ServicesBanks - Regional
Regular session
$37.60
$0.00 · 0.00%
CBFV company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
53
Fair Value
Momentum
46
Neutral
Sentiment
69
Bullish
Risk resilience
69
Moderate Risk
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Company profile
Company websiteCB Financial Services, Inc. functions as the parent company for Community Bank, delivering a broad spectrum of banking solutions and financial services to individuals and businesses. Its operational footprint spans southwestern Pennsylvania, West Virginia, and Ohio. The bank's core deposit offerings include checking accounts (comprising both demand and NOW accounts), money market accounts, savings accounts, and various time deposit products. A comprehensive suite of loan products is also provided. For residential borrowers, this includes real estate financing such as mortgages for single- to four-family homes, home equity installment loans, and home equity lines of credit. Commercial real estate loans are offered, typically secured by developed properties like retail centers, office buildings, and other non-residential structures. Construction financing is available for both individual residential dwellings and commercial projects, ranging from hotels and apartment buildings to housing developments and owner-occupied business properties. Furthermore, the institution extends commercial and industrial loans and lines of credit, alongside diverse consumer loans like indirect auto financing, secured and unsecured personal loans, and credit lines. Beyond traditional banking, CB Financial Services also operates an insurance agency, providing a variety of products such as property and casualty coverage, commercial liability policies, surety bonds, and other related services. Its physical presence comprises a main office and 13 branch locations distributed across Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio. An additional loan production office is located in Allegheny County. Founded in 1901, the company's corporate headquarters are situated in Carmichaels, Pennsylvania.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- John H. Montgomery
- Listed since
- Oct 7, 2003
- Employees
- 169
Market position
Day range
Current $37.60
52-week range
Current $37.60
- Open
- $37.70
- Previous close
- $37.60
- Volume
- 1.74K
- 0.31× average
- Average volume
- 5.6K
- Average daily volume
- Market cap
- 190.73M USD
- Beta
- 0.27
- Market reference 1
- 50-day average
- $37.1372
- +1.25% above average
- 200-day average
- $35.5258
- +5.84% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 178.64M USD
- P/E (TTM)
- 26.29×
- P/B (TTM)
- 1.18×
- P/S (TTM)
- 2.62×
- EV / EBITDA
- 25.13×
- Earnings yield
- 2.79%
- Free cash flow yield
- 9.77%
- Dividend yield
- 2.93%
Profitability & efficiency
- Gross margin
- 65.06%
- Operating margin
- 10.89%
- Net margin
- 9.91%
- Return on equity
- 3.11%
- Return on assets
- 0.32%
- Return on invested capital
- 2.36%
Financial health
- Debt / equity
- 0.62×
- Current ratio
- 0.02×
- Altman Z-score
- 0.23
- Piotroski F-score
- 6 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 68.64M USD | 79.2M USD | 60.03M USD | 54.75M USD | 50.06M USD |
| Cost of goods sold | 25.75M USD | 30.63M USD | 17.17M USD | 8.57M USD | 2.28M USD |
| Gross profit | 42.89M USD | 48.57M USD | 42.86M USD | 46.18M USD | 47.78M USD |
| Selling, general, and administrative | 1.59M USD | 20.28M USD | 23.41M USD | 19.91M USD | 21.93M USD |
| Operating expenses | 37.59M USD | 33.23M USD | 12.58M USD | 32.1M USD | 33.08M USD |
| Interest income | 75.94M USD | 76.02M USD | 62.12M USD | 47.63M USD | 43.47M USD |
| Interest expense | 25.16M USD | 30.06M USD | 17.67M USD | 4.78M USD | 3.41M USD |
| Depreciation and amortization | 1.81M USD | 2.43M USD | 2.74M USD | 2.7M USD | 2.44M USD |
| Operating income | 5.3M USD | 15.34M USD | 30.29M USD | 14.08M USD | 14.7M USD |
| Net income | 4.9M USD | 12.59M USD | 22.55M USD | 11.25M USD | 11.57M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 82%
- 9 beats, 2 misses, 0 met estimates
- Average EPS surprise
- +10.72%
- 11 comparable reports
- Latest EPS result
- 0.81
- Estimate 0.72 · Beat by 12.50%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Rating distribution
3 ratingsLimited analyst sample: 3 ratings. Interpret the distribution with caution.
Recent analyst actions
CBFV peers
ETFs holding CBFV
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI5.18M0.00%2.3T USD0.03%$377.61-0.17%
iShares Russell 2000 ETFIWM3.55M0.00%81.62B USD0.19%$298.47-0.50%
Vanguard Extended Market ETFVXF1.92M0.00%93.7B USD0.05%$243.83-0.69%
iShares Russell 2000 Value ETFIWN1.81M0.01%14.66B USD0.24%$224.35-0.20%
EA Bridgeway Omni Small-Cap Value ETFBSVO1.35M0.05%1.71B USD0.47%$29.57-0.17%
iShares Core S&P Total U.S. Stock Market ETFITOT1.16M0.00%97.17B USD0.03%$167.66-0.18%
Vanguard Russell 2000 ETFVTWO957.25K0.01%17.4B USD0.06%$120.66-0.49%
iShares Micro-Cap ETFIWC620.81K0.04%1.53B USD0.60%$197.11-0.52%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 5.18M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $377.61-0.17%
iShares Russell 2000 ETFIWM- Market value
- 3.55M
- Weight
- 0.00%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $298.47-0.50%
Vanguard Extended Market ETFVXF- Market value
- 1.92M
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $243.83-0.69%
iShares Russell 2000 Value ETFIWN- Market value
- 1.81M
- Weight
- 0.01%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.35-0.20%
EA Bridgeway Omni Small-Cap Value ETFBSVO- Market value
- 1.35M
- Weight
- 0.05%
- AUM
- 1.71B USD
- Expense ratio
- 0.47%
- Price / 1D
- $29.57-0.17%
iShares Core S&P Total U.S. Stock Market ETFITOT- Market value
- 1.16M
- Weight
- 0.00%
- AUM
- 97.17B USD
- Expense ratio
- 0.03%
- Price / 1D
- $167.66-0.18%
Vanguard Russell 2000 ETFVTWO- Market value
- 957.25K
- Weight
- 0.01%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $120.66-0.49%
iShares Micro-Cap ETFIWC- Market value
- 620.81K
- Weight
- 0.04%
- AUM
- 1.53B USD
- Expense ratio
- 0.60%
- Price / 1D
- $197.11-0.52%
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