CBIZ, Inc. (CBZ) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

CBIZ, Inc. (CBZ) Industrial Operations Profile

CBIZ, Inc. delivers financial, benefits, and technology solutions to small and medium-sized businesses. Operating across diverse segments, the company offers accounting, insurance, and IT services. With a focus on tailored solutions, CBIZ supports businesses navigating complex regulatory and operational landscapes, fostering growth and efficiency.

What Is the Investment Thesis for CBZ?

CBIZ, Inc. presents a notable research candidate within the specialty business services sector. With a market capitalization of $2.95B and a P/E ratio of 12.3, the company demonstrates a stable financial profile. A key value driver is CBIZ's diversified service offerings, spanning financial, insurance, and technology solutions, which cater to the evolving needs of small and medium-sized businesses. Upcoming catalysts include potential acquisitions to expand service capabilities and geographic reach. Ongoing catalysts include the increasing demand for outsourced financial and IT services. Potential risks include economic downturns impacting client spending and increased competition within the fragmented specialty business services market. The company's beta of 0.93 suggests lower volatility compared to the broader market.

Based on FMP financials and quantitative analysis

CBZ Key Highlights

Market capitalization of $2.95B indicates a substantial presence in the specialty business services market.

• P/E ratio of 12.3 suggests a potentially undervalued investment relative to earnings.
• Profit margin of 5.6% reflects the company's ability to generate profit from its revenue streams.
• Gross margin of 12.8% indicates the profitability of CBIZ's core service offerings.
• Beta of 0.93 suggests lower volatility compared to the broader market, potentially offering stability to investors.

Who Are CBZ's Competitors?

CBZ is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are CBZ's Key Strengths?

Diversified service offerings across financial, insurance, and technology solutions.

• Established relationships with small and medium-sized businesses.
• National presence with offices across the United States and Canada.
• Expertise in navigating complex regulatory and compliance requirements.

What Are CBZ's Weaknesses?

Reliance on small and medium-sized businesses, which can be sensitive to economic downturns.

• Exposure to regulatory changes and compliance risks.
• Profit margin of 5.6% is relatively low compared to some competitors.
• Gross margin of 12.8% could be improved through operational efficiencies.

What Could Drive CBZ Stock Higher?

Potential acquisitions to expand service capabilities and geographic reach.

• Increasing demand for outsourced financial and IT services.
• Expansion of IT managed services to capitalize on the growing demand for outsourced IT solutions.
• Cross-selling opportunities to leverage its diverse service offerings to existing clients.

What Are the Key Risks for CBZ?

Economic downturns impacting client spending and demand for services.

• Increased competition within the fragmented specialty business services market.
• Regulatory changes and compliance risks.
• Cybersecurity threats and data breaches.

What Are the Growth Opportunities for CBZ?

• Expansion of IT Managed Services: CBIZ can capitalize on the growing demand for IT managed services among small and medium-sized businesses. The managed services market is projected to reach $356.24 billion by 2028, growing at a CAGR of 11.1% from 2021. By expanding its IT managed networking and hardware offerings, CBIZ can attract new clients and increase recurring revenue streams, leveraging its existing client relationships and national presence.
• Strategic Acquisitions: CBIZ can pursue strategic acquisitions to expand its service capabilities and geographic reach. The specialty business services market is highly fragmented, presenting opportunities to acquire smaller firms with specialized expertise or regional presence. Acquisitions can enable CBIZ to enter new markets, enhance its service offerings, and achieve economies of scale, driving revenue growth and profitability. The timeline for acquisitions is ongoing.
• Cross-Selling Opportunities: CBIZ can leverage its diverse service offerings to cross-sell its services to existing clients. By offering a comprehensive suite of financial, insurance, and technology solutions, CBIZ can increase client retention and generate additional revenue from each client relationship. The company can implement targeted marketing campaigns and sales initiatives to promote cross-selling opportunities across its various segments. The timeline for this is ongoing.
• Government Healthcare Consulting: CBIZ can expand its government healthcare consulting services to capitalize on the increasing demand for healthcare consulting services among governmental entities. The healthcare consulting market is projected to reach $44.9 billion by 2027, growing at a CAGR of 11.8% from 2020. By leveraging its expertise in government healthcare regulations and compliance, CBIZ can secure new contracts and expand its market share in this growing segment. The timeline for this is ongoing.
• Enhanced Data Analytics: CBIZ can invest in enhanced data analytics capabilities to provide clients with actionable insights and improve decision-making. By leveraging data analytics, CBIZ can help clients identify trends, optimize operations, and mitigate risks. The company can develop customized data analytics solutions tailored to the specific needs of its clients, enhancing its value proposition and driving client retention. The timeline for this is ongoing.

What Are CBZ's Competitive Advantages?

• Diversified service offerings provide a comprehensive suite of solutions for clients.
• Established relationships with small and medium-sized businesses.
• National presence with offices across the United States and Canada.
• Expertise in navigating complex regulatory and compliance requirements.

What Does CBZ Do?

CBIZ, Inc., established in 1987 and headquartered in Cleveland, Ohio, has evolved into a leading provider of financial, insurance, and advisory services across the United States and Canada. The company's foundation lies in serving the unique needs of small and medium-sized businesses, offering a comprehensive suite of solutions designed to enhance operational efficiency and financial performance. CBIZ operates through three primary segments: Financial Services, Benefits and Insurance Services, and National Practices. The Financial Services segment provides accounting and tax services, financial advisory, valuation, risk and advisory, and government healthcare consulting. The Benefits and Insurance Services segment focuses on employee benefits consulting, payroll/human capital management, property and casualty insurance, and retirement and investment services. The National Practices segment delivers information technology managed networking and hardware, and healthcare consulting services. CBIZ's commitment to delivering tailored solutions has solidified its position as a trusted partner for businesses seeking to navigate complex regulatory and operational landscapes. By integrating its diverse service offerings, CBIZ aims to provide clients with a holistic approach to business management, fostering sustainable growth and long-term success.

What Products and Services Does CBZ Offer?

• Provides accounting and tax services.
• Offers financial advisory services.
• Delivers valuation and risk advisory services.
• Provides employee benefits consulting.
• Offers payroll and human capital management solutions.
• Provides property and casualty insurance services.
• Offers retirement and investment services.
• Provides information technology managed networking and hardware services.

How Does CBZ Make Money?

• Generates revenue through fees for financial services, including accounting, tax, and advisory services.
• Earns revenue from insurance commissions and fees for employee benefits consulting and related services.
• Derives revenue from IT managed services and hardware sales.
• Focuses on serving small and medium-sized businesses, governmental entities, and not-for-profit enterprises.

What Industry Does CBZ Operate In?

CBIZ operates within the specialty business services industry, which is characterized by a fragmented competitive landscape and increasing demand for outsourced solutions. The industry is driven by the growing complexity of regulatory requirements and the need for businesses to focus on core competencies. Market trends include the adoption of technology-enabled services and the consolidation of smaller firms. CBIZ's diversified service offerings and national presence position it favorably to capitalize on these trends. Competitors include AAR Corp., UniFirst Corporation, and AZZ Inc., each offering specialized services within the broader business services market.

Who Are CBZ's Key Customers?

• Small and medium-sized businesses across various industries.
• Governmental entities at the local, state, and federal levels.
• Not-for-profit organizations.
• Individuals seeking financial and insurance services.

CBIZ, Inc. (CBZ) Valuation Context

Valued at $2.95B, CBZ is classified as a mid-cap stock. Relative to its peer group, CBZ's quantitative score of 78/100 is roughly in line with the peer average of 71/100.

CBZ Revenue & Earnings Trend

In Q2 2026, CBZ generated $682.2M in top-line revenue, marking a sequential decrease of 19.6%. The company recorded net income of $18.6M, with diluted EPS of $0.31. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Industrials. Across the four most recent quarters, CBZ averaged $0.54 in diluted EPS.

Company Profile

CBIZ, Inc. operates in the Specialty Business Services industry within the Industrials sector. It is headquartered in Independence, US. The company is led by CEO Jerome Grisko Jr.. CBZ has traded publicly since 1995.

Return on equity for CBIZ, Inc. stands at 8.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 3.3%, showing how much profit it generates from its asset base. CBZ trades at a trailing price-to-earnings ratio of 12.33, below the Industrials sector average of ~32x. Its free cash flow yield is 14.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.22 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.

CBIZ, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.96 places it in the grey zone, a middle ground that warrants monitoring.

Wall Street analysts project CBIZ, Inc. revenue of about $2.83B for fiscal 2026, with EPS near $4.10. The estimate reflects 4 contributing analysts.

CBZ Financials

CBZ Latest News

CBZ Analyst Consensus

CBZ MoonshotScore

What Investors Ask About CBIZ, Inc. (CBZ) — Industrials

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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