YOLFTbeta
CB Financial Services Inc

CB Financial Services Inc

CBFV · NASDAQ · Financial Services / Banks - Regional

40.85USD-0.25 (-0.61%)

Price History

Full chart

Market Stats

Previous Close41.10
Open40.56
Day Range39.86 – 40.88
52-Week Range30.03 – 38.57
Volume9.84K
Market Cap188.27M
P/E (TTM)26.85
Forward P/E12.99
EPS1.38
Dividend Yield2.98%
Beta0.27
50-Day Avg37.17
200-Day Avg35.92

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John H. Montgomery
  • Employees169
  • Headquarters100 North Market Street, Carmichaels, PA, United States, 15320, USA
  • Websitehttps://www.cb.bank

Leadership

  • Mr. John H. MontgomeryPresident, CEO & Director · b. 1962
  • Mr. Bruce A. SharpSenior Executive VP & Chief Commercial Banking Officer of Community Bank · b. 1969
  • Mr. James E. MeleEVP of Specialty Deposits, Payments & Treasury Management Services of Community Bank
  • Ms. Amanda L. EnglesExecutive VP & Chief Financial Officer · b. 1978
  • Mr. Richard B. BoyerSenior Vice President of Insurance Operations · b. 1958
  • Ms. Jennifer L. GeorgeSenior Executive VP & COO of Community Bank · b. 1972
  • James W. WelshSenior VP & Chief Auditor
  • Mr. Benjamin A. BrownExecutive VP and Director of Client Experience & Innovation
  • Mr. Stephen CobainExecutive Vice President and Chief Credit Officer of Community Bank · b. 1959
  • Ms. Elizabeth A. CalvarioCorporate Secretary

Financials

Income Statement

Currency: USD2002-12-312003-12-312004-12-312005-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue16.45M16.10M17.07M19.42M23.26M21.73M20.77M23.95M38.56M38.44M39.29M50.78M57.70M54.49M50.06M54.74M60.03M79.20M68.64M
Growth (%)--2.15%+6.04%+13.77%+19.75%-6.60%-4.42%+15.34%+61.00%-0.31%+2.20%+29.26%+13.63%-5.57%-8.13%+9.37%+9.66%+31.93%-13.33%
Cost of Revenue5.03M5.27M5.04M5.76M23.26M3.54M2.34M1.96M4.72M4.91M5.24M8.47M8.58M9.56M2.28M8.56M17.17M30.63M25.75M
Gross Profit11.43M10.83M12.04M13.67M-18.18M18.43M21.99M33.84M33.53M34.04M42.31M49.12M44.92M47.78M46.18M42.86M48.57M42.89M
Gross Margin69.45%67.29%70.50%70.37%-83.69%88.75%91.82%87.76%87.23%86.65%83.31%85.13%82.45%95.45%84.35%71.40%61.32%62.48%
Operating Expense8.37M8.87M9.80M9.53M-12.93M13.01M16.09M21.98M22.84M24.23M33.72M33.07M54.32M33.08M32.10M12.58M33.23M37.59M
Operating Income3.06M1.96M2.23M4.14M5.29M5.25M5.42M5.90M11.86M10.69M9.82M8.59M16.06M-9.39M14.70M14.08M30.29M15.34M5.30M
Operating Margin18.61%12.19%13.09%21.31%22.75%24.17%26.08%24.64%30.76%27.81%24.99%16.92%27.82%-17.24%29.36%25.72%50.45%19.37%7.72%
EBITDA4.24M3.95M2.92M5.36M5.81M5.74M6.04M6.66M14.44M13.78M12.32M11.63M19.78M-6.05M17.13M16.78M33.02M17.77M7.11M
EBITDA Margin25.80%24.55%17.13%27.62%24.99%26.40%29.11%27.82%37.43%35.86%31.35%22.91%34.28%-11.11%34.22%30.66%55.01%22.43%10.36%
Net Income2.22M1.48M1.64M2.93M4.40M4.22M4.26M4.29M8.42M7.58M6.94M7.05M14.33M-10.64M11.57M11.25M22.55M12.59M4.90M
Net Income Margin13.46%9.17%9.63%15.09%18.90%19.41%20.50%17.92%21.83%19.72%17.67%13.89%24.83%-19.53%23.11%20.54%37.56%15.90%7.14%
R&D-------00000-------
R&D as % of Total Revenue-------0.00%0.00%0.00%0.00%0.00%-------
Interest Expense4.59M4.19M4.07M4.51M494.00K3.09M2.24M1.96M2.71M2.87M3.37M5.95M7.86M5.56M3.40M4.78M17.67M30.06M25.16M
Interest Expense % of Total Revenue27.90%26.05%23.83%23.20%2.12%14.24%10.77%8.18%7.04%7.47%8.59%11.71%13.62%10.21%6.80%8.73%29.44%37.96%36.66%

Balance Sheet

Currency: USD2002-12-312003-12-312004-12-312005-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets262.58M282.98M326.60M335.11M-546.75M546.49M846.31M830.68M846.08M934.49M1.28B1.32B1.42B1.43B1.41B1.46B1.48B1.55B
Total Liabilities236.49M256.58M300.11M307.16M-502.28M501.48M764.40M743.78M756.61M841.23M1.14B1.17B1.28B1.29B1.30B1.32B1.33B1.39B
Total Equity26.09M26.40M26.50M27.95M-44.47M45.01M81.91M86.90M89.47M93.26M137.63M151.10M134.53M133.12M110.16M139.83M147.38M157.54M
Cash10.83M10.35M13.08M13.35M-11.94M16.42M11.75M11.34M14.28M20.62M53.35M80.22M160.91M119.67M103.70M68.22M49.57M31.69M
Total Debt23.13M27.66M23.90M16.52M-30.37M19.38M61.82M69.81M58.53M64.11M81.96M44.57M49.05M56.87M22.70M34.68M34.72M34.76M
Net Debt12.31M17.31M10.82M3.17M-18.43M2.97M50.07M58.47M13.72M43.48M28.61M-66.22M-119.86M-62.81M-81.00M-33.55M-14.85M3.06M

Cash Flow

Currency: USD2002-12-312003-12-312004-12-312005-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.25M3.79M2.70M5.27M8.16M6.72M8.05M-2.40M51.56M10.57M11.60M13.66M17.87M14.08M13.05M14.15M14.24M6.75M17.81M
Investing Cash Flow-24.17M-21.51M-28.76M-28.10M-29.11M-33.11M-14.40M-293.15M-28.95M-17.52M-85.89M27.47M-11.04M-36.90M-60.14M-28.31M-54.73M-36.38M-82.61M
Financing Cash Flow27.40M19.25M42.33M5.60M31.05M9.23M-2.53M290.88M-23.03M9.89M80.63M-8.39M20.03M103.51M5.85M-1.82M5.01M10.98M46.92M
Capital Expenditure490.94K259.76K1.02M298.60K606.00K1.10M237.00K6.56M604.00K2.54M3.85M5.33M948.00K322.00K2.38M509.00K3.29M3.31M650.00K
Free Cash Flow2.76M3.53M1.68M4.97M7.56M5.62M7.81M-8.96M50.96M8.03M7.76M8.33M16.92M13.76M10.67M13.64M10.94M3.44M17.16M
Dividends Paid879.54K900.48K919.51K1.06M2.00M2.05M2.07M2.33M3.46M3.59M3.60M4.53M5.21M5.18M5.17M4.92M5.11M5.13M5.13M
FCF to OCF84.89%93.14%62.05%94.34%92.58%83.65%97.06%373.39%98.83%75.96%66.86%61.00%94.70%97.71%81.73%96.40%76.87%50.89%96.35%
Dividend Paid to FCF31.89%25.54%54.86%21.26%26.51%36.54%26.52%-26.02%6.79%44.73%46.37%54.36%30.82%37.68%48.43%36.07%46.71%149.34%29.92%

Earnings

Report DateMar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Feb 3, 2015Apr 30, 2015Jul 24, 2015Oct 30, 2015Jan 29, 2016Apr 29, 2016Jul 28, 2016Oct 28, 2016Jan 31, 2017Apr 28, 2017Jul 28, 2017Oct 27, 2017Feb 12, 2018Apr 27, 2018Jul 30, 2018Oct 31, 2018Jan 31, 2019Apr 30, 2019Jul 29, 2019Oct 28, 2019Jan 31, 2020May 4, 2020Jul 27, 2020Nov 3, 2020Jan 28, 2021May 4, 2021Jul 29, 2021Oct 28, 2021Jan 28, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 28, 2023Jul 28, 2023Oct 27, 2023Jan 31, 2024Apr 26, 2024Jul 24, 2024Oct 25, 2024Jan 29, 2025Apr 23, 2025Jul 22, 2025Oct 23, 2025Jan 27, 2026Apr 22, 2026Jul 27, 2026Oct 22, 2026
EPS Estimate----------0.540.530.530.500.470.420.420.420.420.450.540.520.470.470.500.490.520.540.470.090.140.250.470.440.440.360.510.340.560.790.690.700.590.560.550.510.510.490.380.420.650.820.690.750.82
EPS Actual0.350.420.460.490.460.310.310.750.560.550.520.430.500.460.380.490.420.440.500.310.330.390.470.450.540.550.690.850.150.460.340.610.520.590.360.530.590.050.710.800.770.630.612.610.620.520.550.350.500.740.740.720.720.81-
Surprise-----------3.70%-18.87%-5.66%-8.00%-19.15%16.67%0.00%4.76%19.05%-31.11%-38.89%-25.00%0.00%-4.26%8.00%12.24%32.69%57.41%-68.09%411.11%142.86%144.00%10.64%34.09%-18.18%47.22%15.69%-85.29%26.79%1.27%11.59%-10.00%3.39%366.07%12.73%1.96%7.84%-28.57%31.58%76.19%13.85%-12.20%4.35%8.00%-
Timing-------After-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--

Key Statistics & Ratios

Market Cap188.27M
Enterprise Value215.12M
Trailing P/E26.85
Forward P/E12.99
PEG Ratio1.12
Price / Sales3.97
Price / Book1.17
EPS1.38
Book Value31.91
Revenue (TTM)47.41M
Gross Profit (TTM)47.41M
Profit Margin15.21%
Operating Margin34.08%
Return on Equity4.65%
Return on Assets0.45%
Shares Outstanding5.08M
Shares Float4.62M
Beta0.27
Dividend Yield2.98%
Dividend Rate1.10
Payout Ratio36.79%

Analyst Ratings

Hold
Based on 3 analystsTarget 41.33
  • Hold
    3

Ownership Breakdown

Institutions
45.56%
Insiders
10.24%
Retail / Other
44.20%

Top Institutional Holders

  • Janney Montgomery Scott LLC
    305.36K6.01%
  • AllianceBernstein L.P.
    253.88K5.00%
  • BlackRock Inc
    253.19K4.98%
  • Vanguard Capital Management, LLC
    194.22K3.82%
  • M3F, Inc.
    171.44K3.37%
  • Manufacturers Life Insurance Co
    155.80K3.07%
  • Geode Capital Management, LLC
    105.16K2.07%
  • Bridgeway Capital Management, LLC
    65.84K1.30%
  • Waldron, LP
    60.31K1.19%
  • Renaissance Technologies Corp
    55.60K1.09%
  • Curated Wealth Partners LLC
    50.00K0.98%
  • State Street Corp
    49.81K0.98%
  • Empowered Funds, LLC
    36.84K0.72%
  • Dimensional Fund Advisors, Inc.
    36.43K0.72%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    141.50K2.78%
  • iShares Russell 2000 ETF
    95.05K1.87%
  • JHancock Regional Bank A
    83.54K1.64%
  • JH Financial Opportunities
    57.16K1.12%
  • Fidelity Small Cap Index
    51.62K1.02%
  • iShares Russell 2000 Value ETF
    48.00K0.94%

Dividends

20264×
0.28Nov 13, 20260.28Aug 14, 20260.28May 15, 20260.28Feb 13, 2026
20254×
0.26Nov 14, 20250.26Aug 15, 20250.25May 16, 20250.25Feb 14, 2025
20244×
0.25Nov 15, 20240.25Aug 15, 20240.25May 14, 20240.25Feb 14, 2024
20234×
0.25Nov 14, 20230.25Aug 14, 20230.25May 12, 20230.25Feb 14, 2023
20224×
0.24Nov 17, 20220.24Aug 18, 20220.24May 19, 20220.24Feb 17, 2022
20214×
0.24Nov 18, 20210.24Aug 19, 20210.24May 20, 20210.24Feb 12, 2021

Stock Splits

  • May 11, 1999959692:319897