CB Financial Financials

CBFV Stock  USD 28.09  0.10  0.35%   
CB Financial Services may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, CB Financial's Long Term Debt is fairly stable compared to the past year. Long Term Debt Total is likely to climb to about 15.1 M in 2025, whereas Total Stockholder Equity is likely to drop slightly above 97.2 M in 2025. Key indicators impacting CB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.220.2356
Significantly Down
Pretty Stable
Current Ratio22.3915.4543
Way Up
Slightly volatile
Investors should never underestimate CB Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CB Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in CB Financial Services.

Net Income

7.29 Million

  
Understanding current and past CB Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CB Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in CB Financial's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in CB Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of CB Financial Services. Check CB Financial's Beneish M Score to see the likelihood of CB Financial's management manipulating its earnings.

CB Financial Stock Summary

CB Financial competes with Magyar Bancorp, Home Federal, Community West, Lake Shore, and Oak Valley. CB 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 was founded in 1901 and is headquartered in Carmichaels, Pennsylvania. Cb Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 192 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS12479G1013
CUSIP12479G101
LocationPennsylvania; U.S.A
Business Address100 North Market
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.cb.bank
Phone724 966 5041
CurrencyUSD - US Dollar

CB Financial Key Financial Ratios

CB Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.4B1.4B1.4B1.5B1.5B1.0B
Other Current Liab(49.6M)(48.1M)(15.6M)979.6M1.1B1.2B
Net Debt(119.9M)(62.8M)(81.0M)(33.5M)(49.6M)(47.1M)
Retained Earnings51.1M57.5M63.9M83.4M90.9M54.3M
Accounts Payable7.5M8.6M8.9M7.6M6.8M6.5M
Cash160.9M119.7M103.7M68.2M49.6M50.6M
Other Assets913.9M812.4M875.6M2.8M1.1B1.2B
Net Receivables17.4M15.2M12.9M21.1M24.3M25.5M
Other Current Assets165.0M123.1M107.7M73.5M66.1M62.8M
Total Liab1.3B1.3B1.3B1.3B1.3B908.9M
Total Current Assets319.0M354.6M312.2M68.2M309.1M221.6M
Short Term Debt41.1M39.3M8.1M355K408.3K387.8K
Other Liab5.2M6.6M7.5M4.9M5.6M4.9M
Long Term Debt6M17.6M14.6M14.7M14.7M17.5M
Inventory(83.7M)(165.0M)(123.1M)(107.7M)(96.9M)(92.1M)
Treasury Stock(3.8M)(5.1M)(9.1M)(13.8M)(12.4M)(11.8M)
Intangible Assets8.4M5.3M3.5M958K1.1M1.0M
Net Tangible Assets113.7M116.4M118.1M96.9M111.4M104.9M
Long Term Debt Total14M8M17.6M14.6M13.2M15.1M
Capital Surpluse83.0M82.7M83.3M84.0M96.5M71.3M

CB Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what CB Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Interest Expense5.6M3.4M4.8M17.7M30.1M31.6M
Total Revenue49.4M47.2M538K68.7M76.1M79.9M
Gross Profit49.4M47.2M538K9.0M76.1M79.9M
Operating Income(9.4M)14.7M19.8M37.7M74.7M78.4M
Ebit(9.4M)13.7M14.1M30.3M34.8M36.6M
Ebitda(6.2M)16.6M16.8M33.0M38.0M39.9M
Income Before Tax(9.4M)14.7M14.1M30.3M15.3M9.7M
Net Income(10.6M)11.6M11.2M22.6M12.6M7.3M
Income Tax Expense1.2M3.1M2.8M7.7M2.7M2.4M
Tax Provision1.2M3.1M2.8M3.5M2.7M2.9M
Net Interest Income41.9M40.1M42.8M45.2M46.0M42.3M
Interest Income47.5M43.5M47.6M59.1M76.0M51.1M

CB Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash80.7M(41.2M)(16.0M)(35.5M)(18.7M)(17.7M)
Free Cash Flow13.8M10.7M13.6M10.9M6.8M10.7M
Depreciation3.3M2.4M2.7M2.7M(694K)(659.3K)
Other Non Cash Items22.8M(3.3M)(109K)(15.4M)(6.2M)(5.8M)
Dividends Paid5.2M5.2M4.9M5.1M5.1M3.6M
Capital Expenditures322K2.4M509K3.3M3.3M2.1M
Net Income(10.6M)11.6M11.2M22.6M12.6M7.3M
End Period Cash Flow160.9M119.7M103.7M68.2M49.6M55.5M
Investments(36.9M)(58.9M)(28.3M)(46.9M)(36.4M)(38.2M)
Net Borrowings(6.4M)4.5M7.8M(34.2M)(30.8M)(29.2M)
Change To Netincome(62K)23.3M(4.0M)142K127.8K121.4K
Change Receivables139K(575K)522K(633K)(569.7K)(541.2K)

CBFV Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CB Financial's current stock value. Our valuation model uses many indicators to compare CB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CB Financial competition to find correlations between indicators driving CB Financial's intrinsic value. More Info.
CB Financial Services is rated second in return on equity category among its peers. It is rated third in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CB Financial Services is roughly  10.20 . At this time, CB Financial's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value CB Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

CB Financial Services Systematic Risk

CB Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CB Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on CB Financial Services correlated with the market. If Beta is less than 0 CB Financial generally moves in the opposite direction as compared to the market. If CB Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CB Financial Services is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CB Financial is generally in the same direction as the market. If Beta > 1 CB Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CB Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CB Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.25)

At this time, CB Financial's Price Earnings To Growth Ratio is fairly stable compared to the past year.

CB Financial March 24, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CB Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CB Financial Services. We use our internally-developed statistical techniques to arrive at the intrinsic value of CB Financial Services based on widely used predictive technical indicators. In general, we focus on analyzing CBFV Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CB Financial's daily price indicators and compare them against related drivers.

Additional Tools for CBFV Stock Analysis

When running CB Financial's price analysis, check to measure CB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CB Financial is operating at the current time. Most of CB Financial's value examination focuses on studying past and present price action to predict the probability of CB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CB Financial's price. Additionally, you may evaluate how the addition of CB Financial to your portfolios can decrease your overall portfolio volatility.