📊 CBFV Key Takeaways
Is CB Financial Services, Inc. (CBFV) a Good Investment?
CB Financial Services shows deteriorating profitability despite strong revenue growth, with net income declining 61.1% YoY while maintaining razor-thin margins. The company exhibits concerning financial health metrics including critically low ROA of 0.3%, weak interest coverage of 0.8x, and ROE of only 3.1%, indicating poor capital efficiency and potential stress in the banking operations.
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.
Why Buy CB Financial Services, Inc. Stock? CBFV Key Strengths
- Strong revenue growth of 49.6% YoY demonstrates market expansion
- Positive free cash flow of $17.2M with healthy 22.6% FCF margin provides liquidity
- Debt-free balance sheet with 0.00x debt-to-equity ratio reduces financial risk
- 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
- Severe profitability deterioration with net income down 61.1% YoY signals operational challenges
- Interest coverage ratio of 0.8x below 1.0x indicates inability to cover interest obligations from operating income
- Extremely weak returns with ROE of 3.1% and ROA of 0.3% suggest fundamental inefficiency in asset deployment and shareholder value creation
- Net margin of 6.5% is thin for banking sector; operating margin compression despite revenue growth indicates margin pressure
- 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
- Net income trend and net margin recovery trajectory
- Interest coverage ratio sustainability and loan quality metrics
- ROA and ROE improvement to acceptable banking sector benchmarks
- Cost-to-income ratio to assess operational efficiency
- 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 22.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. 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 Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBFV's key strengths?
Claude: Strong revenue growth of 49.6% YoY demonstrates market expansion. Positive free cash flow of $17.2M with healthy 22.6% FCF margin provides liquidity. 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: Severe profitability deterioration with net income down 61.1% YoY signals operational challenges. Interest coverage ratio of 0.8x below 1.0x indicates inability to cover interest obligations from operating income. 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 $75.9M.
Does CBFV pay dividends?
CB Financial Services, Inc. pays dividends, with $5.1M 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 $0.92.
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 rating reflects both perspectives for balanced insights.
Is CBFV a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, CB Financial Services, Inc. has a SELL rating with 76% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CBFV stock overvalued or undervalued?
Valuation metrics for CBFV: ROE of 3.1% (sector avg: 12%), net margin of 6.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CBFV stock in 2026?
Our dual AI analysis gives CB Financial Services, Inc. a combined SELL rating 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 $17.8M, with capital expenditures of $650.0K. FCF margin is 22.6%.
How does CBFV compare to other Finance stocks?
Vs Finance sector averages: Net margin 6.5% (avg: 25%), ROE 3.1% (avg: 12%), current ratio N/A (avg: 1.2).