CB Financial Services Inc

CB Financial Services Inc (CBFV) Stock Analysis

$37.590

+0.222 (+0.59%)At close

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High
37.750
Open
37.420
VWAP
37.58
Vol
2.90K
Mkt Cap
114.06M
Low
37.410
Amount
109.07K
EV/EBITDA, TTM
8.13

CB Financial Services, Inc. is a bank holding company. The Company conducts its operations primarily through its wholly owned subsidiary, Community Bank (the Bank). The Bank offers a range of residential and commercial real estate loans, commercial and industrial loans, and consumer loans and deposit products for individuals and businesses in its market area. The Company's principal lending activity has been the origination in its local market area of residential one- to-four-family, commercial real estate, construction, and others. Its residential real estate loans are comprised of loans secured by one- to-four-family residential properties. It provides loans to individuals to finance the construction of residential dwellings, construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses. Its construction loans are generally provided for the payment of interest only during the construction phase.

AI analysis of CB Financial Services Inc (CBFV)

buy

CB Financial Services Inc is a good buy right now due to its recent earnings performance and positive analyst outlook. The stock is currently priced at $37.59, which is below the analyst price target of $44, indicating a potential upside of approximately 17%. Additionally, the forward P/E ratio of 12.99 suggests the stock is reasonably valued compared to its earnings potential. However, a key risk is the recent net margin drop to 27.96%, which could affect profitability if not addressed.

Analyst Ratings (2)

+6.41% upside
Buy
1 Buy
1 Hold
0 Sell
Current: 37.59
Low
40.00
Average
40.00
High
40.00

DA Davidson

2026-07-30

Price Target

$44

Buy

Keefe Bruyette

2026-01-29

Price Target

$39

Outperform

Keefe Bruyette

2025-10-27

Price Target

$40

Outperform

Keefe Bruyette

2025-07-24

Price Target

$39

Outperform

DA Davidson

2025-07-24

Price Target

$32

Neutral

Valuation Metrics

The current forward P/E ratio for CB Financial Services Inc (CBFV) is 12.99, compared to its 5-year average forward P/E of 11.60.

Forward P/E

Fair
5Y Average P/E
11.60
Current P/E
12.99
Overvalued
14.18
Undervalued
9.01

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
1.79
Current EV/EBITDA
8.13
Overvalued
7.22
Undervalued
-3.64

Forward P/S

Fair
5Y Average P/S
2.40
Current P/S
2.73
Overvalued
2.77
Undervalued
2.03

Alphio AI Price Scenarios for CBFV

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%CBFV

$28.52

Scenario price

B

Base

Base · 50%CBFV

$23.22

Scenario price

B

Bear

Bear · 25%CBFV

$22.52

Scenario price

Events Timeline

2026-07-27 (ET)

16:30:00

Net Interest and Dividend Income Increases for Five Consecutive Quarters to $14.5 Million

2026-04-22 (ET)

16:20:00

Net Interest Margin Improves for Sixth Consecutive Quarter to 3.83%

2026-01-27 (ET)

16:10:00

Total Assets Reach $1.55 Billion as of December 31, 2025

2025-10-23 (ET)

16:10:04

CB Financial Services announces Q3 adjusted EPS of 74 cents, up from 55 cents a year ago.

2025-09-04 (ET)

16:18:18

CB Financial Services approves new buyback initiative worth up to $5 million.

News

CBFV FAQ — answered by Alphio AI

CB Financial Services, Inc. is a bank holding company. The Company conducts its operations primarily through its wholly owned subsidiary, Community Bank (the Bank). The Bank offers a range of residential and commercial real estate loans, commercial and industrial loans, and consumer loans and deposit products for individuals and businesses in its market area. The Company's principal lending activity has been the origination in its local market area of residential one- to-four-family, commercial real estate, construction, and others. Its residential real estate loans are comprised of loans secured by one- to-four-family residential properties. It provides loans to individuals to finance the construction of residential dwellings, construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses. Its construction loans are generally provided for the payment of interest only during the construction phase. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

CB Financial Services Inc is a good buy right now due to its recent earnings performance and positive analyst outlook. The stock is currently priced at $37.59, which is below the analyst price target of $44, indicating a potential upside of approximately 17%. Additionally, the forward P/E ratio of 12.99 suggests the stock is reasonably valued compared to its earnings potential. However, a key risk is the recent net margin drop to 27.96%, which could affect profitability if not addressed.

2 analysts cover CBFV: 1 rate it Buy, 1 Hold and 0 Sell. The average price target is 40.00.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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