CBFVNasdaqState Commercial BanksFiscal year ends December 31
CB Financial Services, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$37.45−0.10 (-0.27%)
Close on Oct 19, 2026
- Market cap
- $200.51M
- P/E (TTM)
- 27.1
- Dividend yield
- 2.72%
CB Financial Services statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Market Cap | $190.31M | $679.86M |
| Enterprise Value | $179.22M | $408.94M |
| PE Ratio | 27.14 | 12.00 |
| PS Ratio | 3.94 | 3.61 |
| PB Ratio | 1.17 | 1.18 |
| P/TBV Ratio | 1.25 | 1.41 |
| P/FCF Ratio | 9.74 | 10.93 |
| P/OCF Ratio | 9.47 | 10.04 |
Enterprise value
| Measure | CB Financial Services | Industry median |
|---|---|---|
| EV / Sales | 3.71 | 2.78 |
| EV / FCF | 9.18 | 8.25 |
Income (trailing twelve months)
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Revenue | $48.32M | $170.85M |
| Pretax Income | $7.93M | $70.12M |
| Net Income | $7.21M | $54.33M |
| EPS (Diluted) | $1.38 | $2.90 |
Margins
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Pretax Margin | 16.4% | 36.4% |
| Profit Margin | 14.9% | 29.1% |
| FCF Margin | 40.4% | 33.0% |
Returns
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Return on Equity (ROE) | 4.65% | 10.5% |
| Return on Assets (ROA) | 0.45% | 1.12% |
Growth
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Revenue Growth (YoY) | -6.12% | 11.8% |
| Net Income Growth (YoY) | -37.9% | 23.1% |
| EPS Growth (YoY) | -36.4% | 22.7% |
| FCF Growth (YoY) | 72.4% | 27.1% |
| Revenue Growth (3Y CAGR) | -6.20% | 5.82% |
| Revenue Growth (5Y CAGR) | -1.71% | 6.17% |
| EPS Growth (3Y CAGR) | -25.0% | 1.26% |
Balance sheet
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $76.09M | $205.54M |
| Total Debt | $65.00M | $177.19M |
| Net Cash (Debt) | $11.09M | $164.40M |
| Net Cash Per Share | $2.18 | $8.13 |
| Equity (Book Value) | $162.10M | $560.44M |
| Book Value Per Share | $31.90 | $28.47 |
| Tangible Book Value | $152.37M | $472.29M |
Financial position
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Debt / Equity | 0.40 | 0.20 |
| Debt / FCF | 3.33 | 1.81 |
Cash flow (trailing twelve months)
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Operating Cash Flow | $20.09M | $61.20M |
| Capital Expenditures | -$560.00K | -$4.02M |
| Free Cash Flow | $19.53M | $52.43M |
| FCF Per Share | $3.84 | $3.07 |
Efficiency
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $277.68K | $353.78K |
| Profits Per Employee | $41.44K | $107.28K |
| Employee Count | 174 | 521 |
Dividends and yields
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Earnings Yield | 3.79% | 8.07% |
| FCF Yield | 10.3% | 8.89% |
| Dividend Yield | 2.72% | 2.48% |
| Buyback Yield | 0.17% | 1.55% |
| Shareholder Yield | 2.90% | 3.13% |
| Dividend Per Share | $1.02 | $0.93 |
| Dividend Growth (YoY) | 2.00% | 4.26% |
| Years of Dividend Growth | 1 | 2 |
| Payout Ratio | 75.3% | 29.4% |
| FCF Payout Ratio | 27.8% | 26.0% |
Shares
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Shares Outstanding | 5,081,580 | 18,839,100 |
| Shares Change (YoY) | -1.05% | 0.39% |
| Shares Change (QoQ) | 0.16% | 0.00% |
| Float | 4,639,250 | 17,061,900 |
| Shares Held by Insiders | 8.70% | 5.89% |
| Shares Held by Institutions | 45.2% | 61.9% |
Taxes
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Income Tax | $716.00K | $14.50M |
| Effective Tax Rate | 9.03% | 21.1% |
Scores
| Measure | CB Financial Services | Industry median |
|---|---|---|
| Graham Number | $31.47 | $45.31 |
| Graham Upside | -16.0% | 21.6% |
| Altman Z-Score | 0.19 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from CB Financial Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.