CB Financial Services, Inc. (CBFV)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CB Financial Services, Inc. (CBFV) trades at $38.54 with AI Score 67/100 (Grade B+). CB Financial Services, Inc. is a bank holding company operating as Community Bank, offering financial products and services to individuals and businesses. Market cap: $195.50M, Sector: Financial services.
Price live · AI analysis from May 4, 2026CBFV stock analysis for 2026: Analysts have set a consensus price target of $39.33 for CB Financial Services, Inc., suggesting 2.1% upside from the current price of $38.54. The AI MoonshotScore is 67/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CBFV: 1/1 perspectives are bullish.
How is this calculated? →CB Financial Services, Inc. (CBFV) Financial Services Profile
CB Financial Services, Inc., through Community Bank, serves the southwestern Pennsylvania, West Virginia, and Ohio markets with a range of banking and insurance products. Founded in 1901, the company emphasizes community-focused financial solutions, balancing traditional banking services with regional market needs in a competitive financial landscape.
What Is the Investment Thesis for CBFV?
CB Financial Services, Inc. presents a community-focused banking model with a market capitalization of $195.50M. The company's diversified revenue streams from deposit products, various loan types, and insurance activities offer stability. A dividend yield of 3.00% provides an income component for investors. Growth catalysts include expansion within its existing regional footprint and potential acquisitions of smaller community banks. However, the company's P/E ratio of 26.5 suggests a premium valuation compared to some peers. Potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.26 indicates lower volatility compared to the broader market. The profit margin of 9.7% and gross margin of 64.2% reflect solid profitability.
Based on FMP financials and quantitative analysis
CBFV Key Highlights
- Market Cap of $195.50M indicates CB Financial Services, Inc.'s size relative to its peers in the regional banking sector.
- P/E ratio of 26.5 reflects investor expectations of future earnings growth.
- Profit Margin of 9.7% demonstrates the company's ability to generate profit from its revenue.
- Gross Margin of 64.2% showcases the efficiency of CB Financial Services, Inc.'s core banking operations.
- Dividend Yield of 3.00% provides an income stream for investors, enhancing the stock's attractiveness.
Who Are CBFV's Competitors?
CBFV is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PNC The PNC Financial Services Group, Inc. | $251.93 | +0.98% | $101.17B | 75 |
| FULT Fulton Financial Corporation | $24.26 | +0.63% | $4.64B | 94 |
| CMA Comerica Incorporated | $88.67 | -4.51% | $11.35B | 48 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBFV's Key Strengths?
- Strong community presence and customer relationships.
- Diversified loan portfolio.
- Experienced management team.
- Established branch network in key markets.
What Are CBFV's Weaknesses?
- Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking services.
- Smaller market capitalization.
- Higher P/E ratio compared to some peers.
What Could Drive CBFV Stock Higher?
- Potential acquisitions of smaller community banks to expand geographic reach.
- Continued investment in digital banking platforms to attract younger customers.
- Expansion of loan product offerings to include specialized loans for small businesses.
- Growth of insurance agency activities by offering a wider range of insurance products.
What Are the Key Risks for CBFV?
- Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 26.5 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Interest rate fluctuations impacting net interest margin.
- Regulatory changes affecting banking operations.
- Economic downturns leading to increased loan defaults.
- Competition from larger regional and national banks.
- Cybersecurity threats targeting banking systems.
What Are the Growth Opportunities for CBFV?
- Expansion within Existing Markets: CB Financial Services can grow by increasing its market share within its current footprint in southwestern Pennsylvania, West Virginia, and Ohio. This involves targeted marketing campaigns, enhanced customer service, and strategic partnerships with local businesses. The regional banking market is estimated to be worth billions, and capturing even a small percentage increase can significantly boost revenue. Timeline: Ongoing.
- Strategic Acquisitions: CB Financial Services can pursue acquisitions of smaller community banks or credit unions in adjacent markets. This would allow the company to expand its geographic reach, diversify its customer base, and achieve economies of scale. The market for community bank acquisitions is active, with numerous opportunities available. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking platforms and mobile applications can attract younger customers and improve customer retention. Offering online account opening, mobile check deposit, and other digital services can enhance convenience and competitiveness. The digital banking market is growing rapidly, with increasing adoption among consumers. Timeline: Ongoing.
- Enhanced Loan Product Offerings: CB Financial Services can expand its loan product offerings to include specialized loans for small businesses, such as SBA loans or equipment financing. This can attract new customers and increase loan volume. The small business lending market is underserved, presenting a significant growth opportunity. Timeline: Ongoing.
- Insurance Services Expansion: Growing the insurance agency activities by offering a wider range of insurance products and services can generate additional revenue streams. This includes expanding into life insurance, health insurance, and other specialized insurance products. The insurance market is large and diverse, offering significant growth potential. Timeline: Ongoing.
What Opportunities Does CBFV Have?
- Expansion into adjacent markets through acquisitions.
- Investment in digital banking technologies.
- Growth of insurance agency activities.
- Increased lending to small businesses.
What Threats Does CBFV Face?
- Competition from larger regional and national banks.
- Interest rate fluctuations.
- Regulatory changes.
- Economic downturns.
What Are CBFV's Competitive Advantages?
- Strong local presence and community relationships.
- Established branch network in southwestern Pennsylvania, West Virginia, and Ohio.
- Diversified loan portfolio and insurance offerings.
- Experienced management team with local market expertise.
What Does CBFV Do?
Founded in 1901 and headquartered in Carmichaels, Pennsylvania, CB Financial Services, Inc. operates as the bank holding company for Community Bank. The bank provides a comprehensive suite of financial products and services to individuals and businesses across southwestern Pennsylvania, West Virginia, and Ohio. Its deposit products include a variety of options such as demand deposits, NOW accounts, money market accounts, savings accounts, and time deposit products. CB Financial Services also offers a diverse range of loan products, including residential real estate loans (one- to four-family mortgages, home equity installment loans, and home equity lines of credit), commercial real estate loans secured by retail facilities and office buildings, construction loans for residential and commercial properties, commercial and industrial loans and lines of credit, and consumer loans including indirect auto loans. Additionally, CB Financial Services engages in insurance agency activities, offering property and casualty, commercial liability, surety, and other insurance products. The company operates through its main office and 13 branch offices located in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio, along with a loan production office in Allegheny County. CB Financial Services focuses on providing personalized financial services to its local communities, balancing traditional banking practices with modern financial solutions.
What Products and Services Does CBFV Offer?
- Provides demand deposit accounts to individuals and businesses.
- Offers NOW accounts, money market accounts, and savings accounts.
- Provides residential real estate loans, including mortgages and home equity lines of credit.
- Offers commercial real estate loans secured by retail facilities and office buildings.
- Provides construction loans for residential and commercial properties.
- Offers commercial and industrial loans and lines of credit.
- Provides consumer loans, including indirect auto loans.
- Conducts insurance agency activities, offering property and casualty insurance.
How Does CBFV Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Receives commissions from insurance products.
- Manages risk through diversification of loan portfolio and insurance offerings.
What Industry Does CBFV Operate In?
CB Financial Services, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and fintech companies. The industry is influenced by interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like CB Financial Services differentiate themselves through personalized customer service and local market expertise. The market is seeing a trend towards digital banking solutions and consolidation through mergers and acquisitions. CB Financial Services' focus on community banking positions it to cater to customers who value local relationships and tailored financial services.
Who Are CBFV's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and deposit accounts.
- Real estate developers needing construction loans.
- Consumers seeking auto loans and other personal loans.
- Businesses and individuals needing insurance products.
CB Financial Services, Inc. (CBFV) Valuation Context
Valued at $195.50M, CBFV is classified as a micro-cap stock. Relative to its peer group, CBFV's quantitative score of 67/100 is roughly in line with the peer average of 71/100.
CBFV Revenue & Earnings Trend
In Q1 2026, CBFV generated $20.6M in top-line revenue, marking a sequential decrease of 4.9%. The company recorded net income of $3.9M, with diluted EPS of $0.73. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, CBFV averaged $0.31 in diluted EPS.
Company Profile
CB Financial Services, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Carmichaels, United States.
ROE 4%Key Financial Metrics
Return on equity for CB Financial Services, Inc. stands at 4.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.4%, showing how much profit it generates from its asset base. CBFV trades at a trailing price-to-earnings ratio of 26.48, above the Financial Services sector average of ~18x. Its free cash flow yield is 8.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 99.52 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 3.6%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
CB Financial Services, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project CB Financial Services, Inc. revenue of about $62.4M for fiscal 2026, with EPS near $2.97.
CBFV Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- CBFV insiders seem to be aligning interests with shareholders, buying shares lately. That's generally a good sign.
- The community's talking about CBFV’s strong local presence and customer relationships, which could be a moat against bigger players.
- There's buzz about potential regional growth opportunities that CBFV might capitalize on. The market loves a growth story.
- Positive sentiment suggests CBFV is viewed as a stable, reliable community bank, a safe haven in choppy markets.
Bear Case
- The community is concerned about the impact of rising interest rates on CBFV's loan portfolio. That's a valid worry.
- Some are saying CBFV might be lagging behind in tech adoption compared to other regional banks. That could hurt long-term competitiveness.
- There's chatter about increased regulatory scrutiny on community banks, which could increase costs for CBFV.
- The overall market sentiment towards regional banks has been cautious lately, and CBFV could get dragged down with the sector.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $21M | $4M | $0.73 |
| Q4 2025 | $22M | $5M | $0.89 |
| Q3 2025 | $9M | -$6M | -$1.14 |
| Q2 2025 | $20M | $4M | $0.74 |
Based on FMP financials and quantitative analysis
CBFV Latest News
No recent news available for CBFV.
CBFV Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBFV.
Price Targets
Consensus target: $39.33
CBFV MoonshotScore
What does this score mean?
The MoonshotScore rates CBFV's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest CB Financial Services, Inc. Analysis
Leadership: John H. Montgomery
CEO
John H. Montgomery serves as the CEO of CB Financial Services, Inc. His background includes extensive experience in the financial services industry, with a focus on community banking. He has held various leadership positions within the company, contributing to its growth and strategic direction. Montgomery's expertise lies in banking operations, risk management, and customer relationship management. He is committed to serving the financial needs of the local communities in southwestern Pennsylvania, West Virginia, and Ohio.
Track Record: Under John H. Montgomery's leadership, CB Financial Services, Inc. has maintained a strong focus on community banking and customer service. He has overseen the expansion of the company's branch network and the implementation of new digital banking technologies. Montgomery has also guided the company through periods of economic uncertainty, ensuring its financial stability and long-term growth. His strategic decisions have contributed to the company's profitability and market position.
CB Financial Services, Inc. Financial Services Stock: Key Questions Answered
What does CB Financial Services, Inc. do?
CB Financial Services, Inc., through its subsidiary Community Bank, provides a range of banking and financial services to individuals and businesses primarily in southwestern Pennsylvania, West Virginia, and Ohio. These services include deposit accounts (checking, savings, money market), loans (residential mortgages, commercial real estate, consumer), and insurance products. The company operates through a network of branch offices and a loan production office, focusing on community-oriented banking to serve the financial needs of its local markets.
What do analysts say about CBFV stock?
Analyst coverage of CBFV stock is limited, reflecting its smaller market capitalization within the regional banking sector. Key valuation metrics such as the P/E ratio of 26.5 and dividend yield of 3.00% are important considerations. Growth prospects are tied to the company's ability to expand within its existing markets, pursue strategic acquisitions, and adapt to digital banking trends. Investors should monitor the company's financial performance, regulatory environment, and competitive landscape to assess its long-term potential.
What are the main risks for CBFV?
CB Financial Services, Inc. faces several risks inherent in the regional banking sector. Interest rate fluctuations can impact the company's net interest margin, while regulatory changes can increase compliance costs. Economic downturns can lead to increased loan defaults and reduced profitability. Competition from larger regional and national banks poses a significant threat, as does the increasing prevalence of cybersecurity threats targeting banking systems. Effective risk management and strategic adaptation are crucial for mitigating these risks.
How is CB Financial Services, Inc. adapting to fintech disruption?
CB Financial Services, Inc. is adapting to fintech disruption by investing in digital banking platforms and mobile applications to enhance customer convenience and attract younger customers. This includes offering online account opening, mobile check deposit, and other digital services. The company is also exploring partnerships with fintech companies to offer innovative financial products and services. By embracing digital transformation, CB Financial Services aims to remain competitive in the evolving financial landscape.
How does CB Financial Services, Inc. make money in financial services?
CB Financial Services, Inc. generates revenue primarily through interest income from loans, fees from deposit accounts and other banking services, and commissions from insurance products. The company's net interest margin, which is the difference between the interest earned on loans and the interest paid on deposits, is a key driver of profitability. Additionally, CB Financial Services earns fees from services such as account maintenance, wire transfers, and overdraft protection. Commissions from insurance products provide a diversified revenue stream.
What are the key factors to evaluate for CBFV?
CB Financial Services, Inc. (CBFV) holds an AI score of 67/100 (moderate). P/E: 26.5x vs the S&P 500's ~20-25x. Analysts target $39.33 (+2%). Not financial advice.
How frequently does CBFV data refresh on this page?
CBFV prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CBFV's recent stock price performance?
CB Financial Services, Inc. (CBFV) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community presence and customer relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available company data and may be subject to change.
- Financial metrics are as of the latest available reporting period.