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CBFVCB Financial Services, Inc.
$37.28$189M
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CBFV logoCB Financial Services, Inc.(CBFV)Earnings, Financials & Key Ratios

CBFV•NASDAQ•Banking & Credit
$37.28
40.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
AboutCB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its 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, such as retail facilities, office buildings, and other non-residential buildings; 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, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates through its main office and 13 branch offices in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Marshall and Ohio counties in West Virginia; and Belmont County in Ohio, as well as one loan production offices in Allegheny County. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.Show more
  • Net Interest Income$51M+10.5%
  • Total Revenue$69M-13.3%
  • Net Income$5M-61.1%
  • Return on Equity3.22%-63.3%
  • Net Interest Margin3.28%+5.8%
  • Efficiency Ratio54.76%+30.5%
  • ROA0.32%-62.2%
  • Equity / Assets10.18%+2.3%
  • Book Value per Share29.69+6.8%

CBFV Price & Volume

CB Financial Services, Inc. (CBFV) stock price & volume — 10-year historical chart

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Persistent Margin Compression Challenges Regional Bank Stability

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Geographic and sector concentration

Key Thesis Takeaways

  • CB Financial Services faces a complex outlook characterized by stagnant net interest margins between 0.7% and 0.9% and significant earnings volatility driven by an erratic insurance subsidiary.
  • While the bank maintains a stable equity-to-assets ratio of 0.10, its heavy reliance on a $1.5 billion investment securities portfolio rather than traditional lending limits core growth potential.
  • Investors should monitor the sustainability of the $1.3M to $1.4M quarterly dividend, which appears increasingly pressured by inconsistent operating cash flow and historical net income swings.

Verdict Logic

while the forward P/E of 12.76 suggests potential value, the persistent net interest margin compression between 0.7% and 0.9% warrants caution regarding long-term profitability.

CBFV Growth Metrics

CB Financial Services, Inc. (CBFV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.94%
5 Years4.73%
3 Years7.83%
TTM-

Profit CAGR

10 Years-5.26%
5 Years-
3 Years-24.18%
TTM-33.42%

EPS CAGR

10 Years-7.79%
5 Years-
3 Years-24.99%
TTM-36.46%

Return on Capital

10 Years8.36%
5 Years10.22%
3 Years10.19%
Last Year2.9%

CBFV Recent Earnings

CB Financial Services, Inc. (CBFV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (89%)●Beat Revenue 2/12 qtrs (22%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.72+1.4%
$0.71
Rev
$15M-1.2%
$15M
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.89
—
Rev
$22M
—
Q1 2026
Jan 27, 2026
Metric
Actual
Est
EPS
$0.72-11.7%
$0.81
Rev
$16M+3.7%
$15M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.74+12.1%
$0.66
Rev
$9M-42.3%
$15M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.72vs $0.71+1.4%
$15Mvs $15M-1.2%
Q2 2026Mar 13, 2026
$0.89
$22M
Q1 2026Jan 27, 2026
$0.72vs $0.81-11.7%
$16Mvs $15M+3.7%
Q4 2025Oct 23, 2025
$0.74vs $0.66+12.1%
$9Mvs $15M-42.3%
Based on last 12 quarters of dataView full earnings history →

Latest CBFV News

Recent stock market news and headlines for CB Financial Services, Inc. (CBFV)

Zacks Investment Research·Jun 25, 2026
What Makes CB Financial Services (CBFV) a New Buy Stock

CB Financial Services (CBFV) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Peers Comparison

Key metrics vs top competitors for CB Financial Services, Inc. (CBFV)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CBFV logoCBFVCB Financial Services, Inc.Current
$37.28$189.11M40.52-13.33%7.14%3.22%2.6%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
FUNC logoFUNCFirst United Corporation
$43.96$283.4M11.666.6%20.89%12.7%—
BFST logoBFSTBusiness First Bancshares, Inc.
$30.31$990.47M10.9011.84%17.47%10.06%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.06$171.21M13.67-1.44%12.96%7.98%—

Compare CBFV vs Peers

CB Financial Services, Inc. (CBFV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for CBFV.

Scale Benchmark

vs NTRS

Larger-name benchmark to compare CBFV against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, FUNC, BFST, FXNC

CBFV SEC Filings & Documents

CB Financial Services, Inc. (CBFV) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 20, 2026·SEC

Material company update

May 11, 2026·SEC

Material company update

Apr 22, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 19, 2025·SEC

FY 2024

Mar 13, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 12, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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CBFV Frequently Asked Questions

CB Financial Services, Inc. (CBFV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is CB Financial Services, Inc. growing?

CB Financial Services, Inc. (CBFV) saw revenue decline by 13.3% over the past year.

Is CBFV profitable?

Yes, CB Financial Services, Inc. (CBFV) is profitable, generating $6.9M in net income for fiscal year 2025 (7.1% net margin).

Dividend & Returns
Does CBFV pay dividends?

Yes, CB Financial Services, Inc. (CBFV) pays a dividend with a yield of 2.60%. This makes it attractive for income-focused investors.

What is CBFV's return on equity?

CB Financial Services, Inc. (CBFV) has a return on equity (ROE) of 3.2%. This is below average, suggesting room for improvement.

Industry Metrics
What is CB Financial Services, Inc.'s net interest margin?

CB Financial Services, Inc. (CBFV) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

What is CB Financial Services, Inc.'s efficiency ratio?

CB Financial Services, Inc. (CBFV) has an efficiency ratio of 54.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CBFV back in 2002?

Total return calculator · dividends reinvested · 24+ years of data

See returns →