CB Financial Services Inc (CBFV) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
CB Financial Services Inc stock (CBFV) is currently trading at $33.78. CB Financial Services Inc PE ratio is 36.48. CB Financial Services Inc PS ratio (Price-to-Sales) is 3.97. Analyst consensus price target for CBFV is $40.33. WallStSmart rates CBFV as Moderate Buy.
- CBFV PE ratio analysis and historical PE chart
- CBFV PS ratio (Price-to-Sales) history and trend
- CBFV intrinsic value — DCF, Graham Number, EPV models
- CBFV stock price prediction 2025 2026 2027 2028 2029 2030
- CBFV fair value vs current price
- CBFV insider transactions and insider buying
- Is CBFV undervalued or overvalued?
- CB Financial Services Inc financial analysis — revenue, earnings, cash flow
- CBFV Piotroski F-Score and Altman Z-Score
- CBFV analyst price target and Smart Rating
CB Financial Services Inc
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CBFV Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · CB Financial Services Inc (CBFV)
CBFV is trading near its Graham intrinsic value of $43.06, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
CB Financial Services Inc (CBFV) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around market cap and return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
CB Financial Services Inc (CBFV) Key Strengths (5)
Earnings per share surging 93.60% year-over-year
Good growth relative to its price
Strong operational efficiency: $30 kept per $100 revenue
Trading at 1.08x book value, attractively priced
Strong revenue growth at 21.60% annually
Supporting Valuation Data
CB Financial Services Inc (CBFV) Areas to Watch (5)
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Revenue is fairly priced at 3.97x sales
Decent profitability, keeps $11 per $100 revenue
Moderate institutional interest at 44.64%
Supporting Valuation Data
CB Financial Services Inc (CBFV) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.4/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, PEG Ratio, Operating Margin. Valuation metrics including PEG Ratio (1.12), Price/Book (1.08) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 29.60%. Growth metrics are encouraging with Revenue Growth at 21.60%, EPS Growth at 93.60%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.97) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 3.22%, Profit Margin at 11.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 3.22% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 21.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, PEG Ratio) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CBFV Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CBFV's Price-to-Sales ratio of 3.97x sits near its historical average of 4.04x (32th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 27% below its historical high of 5.44x set in Jan 2006, and 163% above its historical low of 1.51x in Jul 2020. Over the past 12 months, the PS ratio has compressed from ~4.5x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for CB Financial Services Inc (CBFV) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
CB Financial Services Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 43M with 22% growth year-over-year. Profit margins of 11.4% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 322.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 2M in free cash flow and 5M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can CB Financial Services Inc push profit margins above 15% as the business scales?
Growth sustainability: can CB Financial Services Inc maintain 22%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 303.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact CB Financial Services Inc.
Bottom Line
CB Financial Services Inc offers an attractive blend of growth (22% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About CB Financial Services Inc(CBFV)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
CB Financial Services, Inc. is the banking holding company for Community Bank offering various banking products and services to individuals and businesses in southwestern Pennsylvania, West Virginia and Ohio. The company is headquartered in Carmichaels, Pennsylvania.