📊 CBFV Key Takeaways
Is CB Financial Services, Inc. (CBFV) a Good Investment?
While CB Financial exhibits strong top-line growth (49.6% YoY revenue) and exceptional operating margins (23.3%), fundamental concerns undermine investment merit: EPS collapsed 61.3% YoY despite revenue growth, interest coverage stands at dangerously low 0.7x (unable to cover interest from operations), and returns on equity (2.4%) and assets (0.2%) are severely depressed for a banking institution. These metrics suggest asset quality deterioration or operational leverage working in reverse.
CB Financial Services shows strong top-line growth, but the quality of that growth is weak because net income and diluted EPS fell by more than 60% year over year. Profitability is thin for a bank, with low ROA and ROE, and sub-1x interest coverage suggests earnings are under pressure despite positive operating cash flow.
CB Financial Services, Inc. Key Strengths (CBFV)
- Exceptional revenue growth of 49.6% YoY demonstrates market expansion
- High operating margin of 23.3% and net margin of 19.7% reflect pricing power and cost discipline
- Strong balance sheet with zero long-term debt and positive free cash flow of $2.8M
- Revenue grew 49.6% year over year, indicating strong balance sheet or lending expansion
- Operating cash flow remained positive at $17.81M, supporting internal funding capacity
- Stockholders' equity of $157.54M provides a meaningful capital base relative to current earnings
CBFV Stock Risks: CB Financial Services, Inc. Investment Risks
- Interest coverage ratio of 0.7x indicates inability to cover interest expenses from operating income—critical failure point for banking operations
- Diluted EPS down 61.3% YoY despite revenue growth suggests severe shareholder dilution, expense bloat, or hidden losses
- ROE of 2.4% and ROA of 0.2% are well below banking industry standards; combined with low interest coverage, indicate probable loan portfolio quality deterioration or significant loan loss provisions
- Net income declined 61.1% year over year, signaling major earnings compression
- Profitability is weak, with 6.5% net margin, 3.1% ROE, and 0.3% ROA
- Interest coverage of 0.8x indicates limited earnings cushion against funding costs or interest obligations
Key Metrics to Watch
- Non-performing loan ratio and loan loss provision trends—critical for understanding ROA/ROE collapse
- Interest expense as percentage of operating income—verify if cost of deposits/borrowing is eroding margins
- Share dilution rate and fully diluted share count—reconcile with EPS decline to understand earnings quality
- Net interest margin and provision expense trends
- ROA and ROE recovery alongside sustained operating cash flow
CB Financial Services, Inc. (CBFV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CBFV Profit Margin, ROE & Profitability Analysis
CBFV vs Finance Sector: How CB Financial Services, Inc. Compares
How CB Financial Services, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is CB Financial Services, Inc. Stock Overvalued? CBFV Valuation Analysis 2026
Based on fundamental analysis, CB Financial Services, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
CB Financial Services, Inc. Balance Sheet: CBFV Debt, Cash & Liquidity
CBFV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: CB Financial Services, Inc.'s revenue has remained relatively flat over the 5-year period, with a 7% decline. The most recent EPS of $2.38 reflects profitable operations.
CBFV Revenue Growth, EPS Growth & YoY Performance
CBFV Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2021 | $10.8M | -$223.0K | $-0.04 |
| Q1 2021 | $11.0M | $429.0K | $0.14 |
| Q3 2020 | $11.7M | $3.7M | $0.69 |
| Q2 2020 | $11.7M | $2.1M | $0.54 |
| Q1 2020 | $12.3M | $773.0K | $0.14 |
| Q3 2019 | $11.8M | $970.0K | $0.42 |
| Q2 2019 | $10.7M | $839.0K | $0.19 |
| Q1 2019 | $8.7M | -$61.0K | $0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CB Financial Services, Inc. Dividends, Buybacks & Capital Allocation
CBFV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for CB Financial Services, Inc. (CIK: 0001605301)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CBFV
What is the AI rating for CBFV?
CB Financial Services, Inc. (CBFV) has a Combined AI Grade of C from Claude (C) and ChatGPT (C) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBFV's key strengths?
Claude: Exceptional revenue growth of 49.6% YoY demonstrates market expansion. High operating margin of 23.3% and net margin of 19.7% reflect pricing power and cost discipline. ChatGPT: Revenue grew 49.6% year over year, indicating strong balance sheet or lending expansion. Operating cash flow remained positive at $17.81M, supporting internal funding capacity.
What are the risks of investing in CBFV?
Claude: Interest coverage ratio of 0.7x indicates inability to cover interest expenses from operating income—critical failure point for banking operations. Diluted EPS down 61.3% YoY despite revenue growth suggests severe shareholder dilution, expense bloat, or hidden losses. ChatGPT: Net income declined 61.1% year over year, signaling major earnings compression. Profitability is weak, with 6.5% net margin, 3.1% ROE, and 0.3% ROA.
What is CBFV's revenue and growth?
CB Financial Services, Inc. reported revenue of $19.7M.
Does CBFV pay dividends?
CB Financial Services, Inc. pays dividends, with $1.4M distributed to shareholders in the trailing twelve months.
Where can I find CBFV SEC filings?
Official SEC filings for CB Financial Services, Inc. (CIK: 0001605301) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CBFV's EPS?
CB Financial Services, Inc. has a diluted EPS of $0.73.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CBFV's fundamental grade?
Based on our AI fundamental analysis in June 2026, CB Financial Services, Inc. has a C grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CBFV stock overvalued or undervalued?
Valuation metrics for CBFV: ROE of 2.4% (sector avg: 12%), net margin of 19.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CBFV's AI grade for 2026?
Our dual AI analysis gives CB Financial Services, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CBFV's free cash flow?
CB Financial Services, Inc.'s operating cash flow is $3.0M, with capital expenditures of $202.0K. FCF margin is 14.3%.
How does CBFV compare to other Finance stocks?
Vs Finance sector averages: Net margin 19.7% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).