CB Financial Services vs Union Bankshares
CBFV and UNB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CBFV and UNB compare
CB Financial Services is the larger company, worth 1.8 times as much as Union Bankshares ($208M against $113M).
On earnings, Union Bankshares is cheaper: it trades at 8.8× trailing earnings, against 11.9× for CB Financial Services.
CB Financial Services grew revenue faster over the last twelve months (50.4% versus 7.6% for Union Bankshares).
CB Financial Services keeps more of each dollar of sales as profit, with a net margin of 29.5% compared with 21.6% at Union Bankshares.
Both pay dividends: CB Financial Services yields 3.4% and Union Bankshares 6.3%.
Union Bankshares scores higher on the StockData Score (15 against 14 for CB Financial Services), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CBFV | UNB |
|---|---|---|
| Size and price | ||
| Market cap | $208M | $113M |
| Share price | $40.85 | $22.80 |
| Change, 1 year | 20.1% | 0.66% |
| Change, 5 years | 71.7% | −26.6% |
| Beta (5Y) | 0.32 | 0.48 |
| Employees | 174 | 195 |
| StockData Score | ||
| Total score | 14 | 15 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 1 | 1 |
| Performance score | 3 (better) | 2 |
| Health score | 4 (better) | 2 |
| Dividend score | 4 | 6 (better) |
| Valuation | ||
| P/E | 11.9× | 8.8× (better) |
| P/S | 3.4× | 2.0× (better) |
| P/B | 1.3× (better) | 1.4× |
| P/FCF | 17.0× | 9.3× (better) |
| FCF yield | 5.9% | 10.8% (better) |
| Fair value | $36.59 | $26.39 |
| Margin of safety | −11.6% | 13.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 50.4% (better) | 7.6% |
| Revenue growth, 5Y average | −1.7% | 2.7% (better) |
| Net income growth (TTM) | 578% (better) | 9.8% |
| EPS growth (TTM) | 588% (better) | 5.3% |
| EPS growth, 5Y average | – | −3.3% |
| Profitability | ||
| Net margin | 29.5% (better) | 21.6% |
| FCF margin | 19.8% | 21.1% (better) |
| Return on equity | 11.8% | 15.9% (better) |
| Financial health | ||
| Debt / equity | 0.51 | – |
| Altman Z-score | 0.21 (better) | 0.16 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.4% | 6.3% (better) |
| Payout ratio | 30.5% | 54.3% |
| Years of dividend growth | 1 (better) | 0 |
| Dividend growth, 5Y average | 1.2% | 2.4% (better) |
| Buyback yield | 0.16% | – |
| Shareholder yield | 3.5% | 6.3% (better) |
| Ownership | ||
| Held by institutions | 45.2% | 15.9% |
| Held by insiders | 8.8% | 9.0% |
| Insider net buying, 12 months | −$337K | $49.0K (better) |
| Short interest, % of float | 1.4% | 0.35% |
Go deeper
- CBFV stock overview
- CBFV income statement
- CBFV valuation and score
- UNB stock overview
- UNB income statement
- UNB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.