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CBFV
CB Financial Services, Inc.
NASDAQ· Financial Services· Banks - Regional· CUSIP 12479G101
$37.59+0.59%Price as of Aug 29, 18:33 UTC · updated once a day, after the close
Key metrics
- Market cap
- $191.02M
- P/E
- 27.4x
- Forward P/E
- 11.2x
- P/B
- 1.2x
- Dividend yield
- 2.93%
- Payout
- 80.29%
- EPS
- $1.37
- ROE
- 4.65%
- Profit margin
- 15.21%
- Revenue growth
- +15.00%
- Beta
- 0.27
- 52-week high
- $38.86
- 52-week low
- $30.97
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +54.4% over 5Y.
today you would have $1,922.42▲ +92.2%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 14 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $34.86 | $28.58 | $23.81 | $21.43 | $24.07 | $20.01 | $30.14 | $24.78 | $30.00 | $25.85 | $22.92 | $19.90 | $19.75 | $19.00 | |
| P/E | 11.5x | 37.9x | 12.0x | 5.4x |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$31.36
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$4.01
Earnings growing 0.0% a year plus a 2.9% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$18.34
Median P/E of 13.4 among peers in the sector.
Earnings
$15.73
Median P/E of 11.5 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
$57.72
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| BIDTribeca Strategic Acquisition Corp. | $9.90 | — | — | — | — | $190.84M |
| JRVRJames River Group Holdings, Inc. | $4.14 | 9.4x | 0.4x | 0.97% | 4.93% | $191.43M |
| HNVRHanover Bancorp, Inc. | $26.81 | 21.1x | 1.0x | 1.49% | 4.71% | $189.16M |
| LARKLandmark Bancorp Inc |
About the company
CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides banking products and services for individuals and businesses. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings and checking accounts, as well as time deposit products. The company's loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties comprising retail facilities, office buildings, and other non-residential buildings, as well as multifamily properties; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, it invests in U.S. treasuries, U.S. government agency securities, mortgage-backed securities (MBS's), collateralized mortgage obligations (CMO's), investment grade corporate bonds, obligations of states and political subdivisions, short-term instruments, collateralized loan obligations (CLO's), and other securities; and equity securities, which includes mutual funds. CB Financial Services, Inc. was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
- 169
- Carmichaels, United States
Company description provided by Yahoo Finance.