CB Financial Services, Inc. logo

CB Financial Services, Inc.

CBFV

NASDAQFinancial ServicesBanks - Regional

Regular session

$37.60

$0.00 · 0.00%

Aug 24, 12:07 PM ET

CBFV company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

CB 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%69%34%-2%Gross margin, FY2021: 95.45%Gross margin, FY2022: 84.35%Gross margin, FY2023: 71.40%Gross margin, FY2024: 61.32%Gross margin, FY2025: 62.48%Operating margin, FY2021: 29.36%Operating margin, FY2022: 25.72%Operating margin, FY2023: 50.45%Operating margin, FY2024: 19.37%Operating margin, FY2025: 7.72%Net margin, FY2021: 23.11%Net margin, FY2022: 20.54%Net margin, FY2023: 37.56%Net margin, FY2024: 15.90%Net margin, FY2025: 7.14%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.45%. Gross margin FY2022 84.35%. Gross margin FY2023 71.40%. Gross margin FY2024 61.32%. Gross margin FY2025 62.48%. Operating margin FY2021 29.36%. Operating margin FY2022 25.72%. Operating margin FY2023 50.45%. Operating margin FY2024 19.37%. Operating margin FY2025 7.72%. Net margin FY2021 23.11%. Net margin FY2022 20.54%. Net margin FY2023 37.56%. Net margin FY2024 15.90%. Net margin FY2025 7.14%.

Income trends

Revenue

68.64M USD-13.33%

Operating income

5.3M USD-65.46%

Net income

4.9M USD-61.07%
Income trends across reported periods86.63M USD56.91M USD27.19M USD−2.53M USDRevenue, FY2021: 50.06M USDRevenue, FY2022: 54.75M USDRevenue, FY2023: 60.03M USDRevenue, FY2024: 79.2M USDRevenue, FY2025: 68.64M USDOperating income, FY2021: 14.7M USDOperating income, FY2022: 14.08M USDOperating income, FY2023: 30.29M USDOperating income, FY2024: 15.34M USDOperating income, FY2025: 5.3M USDNet income, FY2021: 11.57M USDNet income, FY2022: 11.25M USDNet income, FY2023: 22.55M USDNet income, FY2024: 12.59M USDNet income, FY2025: 4.9M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 50.06M USD. Revenue FY2022 54.75M USD. Revenue FY2023 60.03M USD. Revenue FY2024 79.2M USD. Revenue FY2025 68.64M USD. Operating income FY2021 14.7M USD. Operating income FY2022 14.08M USD. Operating income FY2023 30.29M USD. Operating income FY2024 15.34M USD. Operating income FY2025 5.3M USD. Net income FY2021 11.57M USD. Net income FY2022 11.25M USD. Net income FY2023 22.55M USD. Net income FY2024 12.59M USD. Net income FY2025 4.9M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue68.64M USD79.2M USD60.03M USD54.75M USD50.06M USD
Cost of goods sold25.75M USD30.63M USD17.17M USD8.57M USD2.28M USD
Gross profit42.89M USD48.57M USD42.86M USD46.18M USD47.78M USD
Selling, general, and administrative1.59M USD20.28M USD23.41M USD19.91M USD21.93M USD
Operating expenses37.59M USD33.23M USD12.58M USD32.1M USD33.08M USD
Interest income75.94M USD76.02M USD62.12M USD47.63M USD43.47M USD
Interest expense25.16M USD30.06M USD17.67M USD4.78M USD3.41M USD
Depreciation and amortization1.81M USD2.43M USD2.74M USD2.7M USD2.44M USD
Operating income5.3M USD15.34M USD30.29M USD14.08M USD14.7M USD
Net income4.9M USD12.59M USD22.55M USD11.25M USD11.57M 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

ActualEstimate
Quarterly EPS actual values compared with estimates0.870.680.50.31Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 0.35, estimate 0.47, surprise -25.53%, Miss. Q2 2025, reported Apr 24, 2025: actual 0.5, estimate 0.43, surprise +16.28%, Beat. Q3 2025, reported Jul 22, 2025: actual 0.74, estimate 0.4, surprise +85.00%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.74, estimate 0.66, surprise +12.12%, Beat. Q1 2026, reported Jan 27, 2026: actual 0.72, estimate 0.815, surprise -11.66%, Miss. Q2 2026, reported Apr 22, 2026: actual 0.72, estimate 0.71, surprise +1.41%, Beat. Q3 2026, reported Jul 27, 2026: actual 0.81, estimate 0.72, surprise +12.50%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.83, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates16.9M15.08M13.27M11.45MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 29, 2025: actual 13.19M USD, estimate 12.2M USD, surprise +8.09%, Beat. Q2 2025, reported Apr 24, 2025: actual 12.1M USD, estimate 12.7M USD, surprise -4.74%, Miss. Q3 2025, reported Jul 22, 2025: actual 13.47M USD, estimate 12.79M USD, surprise +5.30%, Beat. Q4 2025, reported Oct 23, 2025: actual 14.17M USD, estimate 13.9M USD, surprise +1.97%, Beat. Q1 2026, reported Jan 27, 2026: actual 15.56M USD, estimate 15M USD, surprise +3.70%, Beat. Q2 2026, reported Apr 22, 2026: actual 14.82M USD, estimate 15M USD, surprise -1.21%, Miss. Q3 2026, reported Jul 27, 2026: actual 15.51M USD, estimate 15.4M USD, surprise +0.69%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 16.25M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy267%
Hold133%
Sell00%
Strong sell00%

Recent analyst actions

2 institutions

CBFV peers

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Funds reporting this stock among their holdings, ordered by reported position size.

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