CB Financial Services Statistics
Total Valuation
CBFV has a market cap or net worth of $157.69 million. The enterprise value is $131.68 million.
Important Dates
The last earnings date was Tuesday, July 22, 2025, after market close.
| Earnings Date | Jul 22, 2025 |
| Ex-Dividend Date | Aug 15, 2025 |
Share Statistics
CBFV has 4.99 million shares outstanding. The number of shares has increased by 5.48% in one year.
| Current Share Class | 4.99M |
| Shares Outstanding | 4.99M |
| Shares Change (YoY) | +5.48% |
| Shares Change (QoQ) | -2.54% |
| Owned by Insiders (%) | 9.58% |
| Owned by Institutions (%) | 44.16% |
| Float | 4.51M |
Valuation Ratios
The trailing PE ratio is 14.73 and the forward PE ratio is 11.95.
| PE Ratio | 14.73 |
| Forward PE | 11.95 |
| PS Ratio | 3.18 |
| Forward PS | 2.76 |
| PB Ratio | 1.06 |
| P/TBV Ratio | 1.14 |
| P/FCF Ratio | 13.92 |
| P/OCF Ratio | 12.31 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.35 |
| EV / Sales | 2.59 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.62 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.40 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 7.97%.
| Return on Equity (ROE) | 7.97% |
| Return on Assets (ROA) | 0.75% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $315,665 |
| Profits Per Employee | $72,081 |
| Employee Count | 161 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CBFV has paid $2.46 million in taxes.
| Income Tax | 2.46M |
| Effective Tax Rate | 17.50% |
Stock Price Statistics
The stock price has increased by +28.73% in the last 52 weeks. The beta is 0.37, so CBFV's price volatility has been lower than the market average.
| Beta (5Y) | 0.37 |
| 52-Week Price Change | +28.73% |
| 50-Day Moving Average | 29.56 |
| 200-Day Moving Average | 29.24 |
| Relative Strength Index (RSI) | 55.60 |
| Average Volume (20 Days) | 21,094 |
Short Selling Information
The latest short interest is 134,164, so 2.69% of the outstanding shares have been sold short.
| Short Interest | 134,164 |
| Short Previous Month | 115,804 |
| Short % of Shares Out | 2.69% |
| Short % of Float | 2.98% |
| Short Ratio (days to cover) | 6.52 |
Income Statement
In the last 12 months, CBFV had revenue of $50.82 million and earned $11.61 million in profits. Earnings per share was $2.15.
| Revenue | 50.82M |
| Gross Profit | 50.82M |
| Operating Income | 15.19M |
| Pretax Income | 29.87M |
| Net Income | 11.61M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.15 |
Full Income StatementBalance Sheet
The company has $64.51 million in cash and $38.49 million in debt, giving a net cash position of $26.01 million or $5.22 per share.
| Cash & Cash Equivalents | 64.51M |
| Total Debt | 38.49M |
| Net Cash | 26.01M |
| Net Cash Per Share | $5.22 |
| Equity (Book Value) | 148.36M |
| Book Value Per Share | 29.84 |
| Working Capital | -1.24B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $12.82 million and capital expenditures -$1.48 million, giving a free cash flow of $11.33 million.
| Operating Cash Flow | 12.82M |
| Capital Expenditures | -1.48M |
| Free Cash Flow | 11.33M |
| FCF Per Share | $2.27 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 29.88% |
| Pretax Margin | 27.68% |
| Profit Margin | 22.83% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 22.30% |
Dividends & Yields
This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.14%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 3.14% |
| Dividend Growth (YoY) | 1.00% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 47.03% |
| Buyback Yield | -5.48% |
| Shareholder Yield | -2.32% |
| Earnings Yield | 7.36% |
| FCF Yield | 7.19% |
Dividend DetailsAnalyst Forecast
The average price target for CBFV is $35.50, which is 12.24% higher than the current price. The consensus rating is "Buy".
| Price Target | $35.50 |
| Price Target Difference | 12.24% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on May 11, 1999. It was a forward split with a ratio of 3:1.
| Last Split Date | May 11, 1999 |
| Split Type | Forward |
| Split Ratio | 3:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |