| 2020 | 2021 | 2022 | 2023 (projected) | Revenues USD | 47.38 M | 57.56 M | 48.97 M | 47.49 M | Revenues | 47.38 M | 57.56 M | 48.97 M | 47.49 M |
Our trade recommendation on CB Financial (USA Stocks:CBFV) based on the latest fundamentals
 | By Ellen Johnson | Macroaxis Story |
CB Financial Services stock is currently undervalued at $23.96 per share, with modest growth projections in the near future. We regard CB Financial as a stable investment. CB Financial Services maintains an Efficiency (Sharpe Ratio) of 0.0959, indicating that the company has generated a return of 0.0959% per unit of risk over the past three months.
Our approach to predicting stock volatility involves the use of all available market data, along with stock-specific technical indicators that cannot be diversified away. We have identified twenty-eight technical indicators for CB Financial, which can be used to evaluate the future volatility of the firm.
Please verify CB Financial Services' Coefficient Of Variation of 980.32, standard deviation of 1.88, and Market Risk Adjusted Performance of 0.2661 to ensure that the risk estimate we provide aligns with the expected return of 0.15%.
Detailed assessment
CB Financial Services (US Stocks: CBFV) has shown impressive financial strength, with a robust Z Score of 2.93, indicating a low probability of bankruptcy. The company has a solid cash position, with a beginning period cash flow of 119.7M. Despite a loss in other current liabilities of 15.6M, the company has maintained a strong operating margin of 0.38% and a return on assets of 1.06%. The company's valuation ratios are also appealing, with a trailing Price to Earnings (PE) ratio of 7.12 and a Price to Earnings to Growth (PEG) ratio of 1.75X, suggesting that the stock is reasonably priced given its earnings growth. Furthermore, the company's Price to Sales ratio stands at 2.02X, indicating a healthy revenue generation capability. In terms of profitability, CB Financial Services reported a gross profit of 48.9M and retained earnings of 63.9M, reflecting its strong earnings capacity. With a yield of 0.0492%, the company offers a decent return to its investors. Therefore, based on these robust fundamentals, CB Financial Services presents a compelling investment opportunity.Macroaxis uses a strict editorial review process to publish stories and blog posts. Our publishers support our company and may receive a small commission when the partner links or references are utilized. Commissions do not affect the opinions or evaluations of our editorial team. The information our editors and media partners deliver is confidential and licensed for your sole use as a Macroaxis user. We reserve all rights to the content of this article, and therefore copying or distributing this story in whole or in part is strictly prohibited.
Reviewed by Raphi Shpitalnik
CB Financial Services (US Stocks: CBFV), a prominent player in the Financial Services sector, specifically in the Banks-Regional industry, presents a compelling investment opportunity. The company's robust fundamentals underscore its potential for growth and value creation. With a net asset value of $1.41 billion, CB Financial Services demonstrates solid financial health, backed by a manageable total liability of $1.3 billion. The company's Price to Earnings ratio stands at a reasonable 9.39X, while its Price to Book ratio is at a modest 1.02X, indicating that the stock is fairly valued. The EPS estimate for the current and next quarter are $0.69 and $0.6 respectively, suggesting consistent profitability. The company's net income from continuing operations is a healthy $11.2 million, further strengthening its financial position. CB Financial Services also maintains a strong balance sheet with short-term investments amounting to $187.4 million. Despite a decrease in receivables by $633K and a change in cash of -$16M, the company's total cash flows from investing activities stand at -$28.3 million, indicating a strategic reinvestment of profits. The company's debt profile is also well-managed, with total debt at $22.7 million and long-term debt at $14.6 million. The company's treasury stock is valued at -$13.8 million, and it has paid a last dividend of $0.98, demonstrating its commitment to returning value to shareholders. Institutional investors hold approximately 30.61% of the company's shares, while insiders hold about 10.41%, indicating a balanced ownership structure. The number of shares shorted is relatively low at 3.36K, and the short ratio is 0.61, suggesting a low level of short interest in the stock. Analysts have set a target price estimated value of $25 for the stock, indicating a potential upside from the current price. Given these robust fundamentals, CB Financial Services presents a compelling investment opportunity in the financial services sector. The Book Value per Share of CB Financial Services is currently fairly stable compared to the previous year. In 2022, CB Financial reported a Book Value per Share of 21.45. The Enterprise Value over EBIT is projected to rise to 1.85 in 2023, while Average Assets are expected to decrease slightly above $1.4 billion in the same year. The next fiscal quarter end is anticipated on September 30, 2023.
Given the excitement among risk-prone investors about the banking sector, it is appropriate to focus on CB Financial Services, considering its current volatility. The question arises: what can CB Financial shareholders expect in October? Will savvy investors continue to hold their positions, or should we anticipate a sell-off?
Typically, a company's financial statements are the reports that show the financial position of the company. There are three main documents that fall into the category of financial statements. These documents include CB Financial income statement, its balance sheet, and the statement of cash flows. Potential CB Financial investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although CB Financial investors may use each financial statement separately, they are all related. The changes in CB Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on CB Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.
The goal of CB Financial fundamental analysis is to do accurate financial forecasts. There are several possible objectives to fundamental analysis, such as projecting of CB Financial performance into the future periods or doing a reasonable stock valuation. The intrinsic value of CB Financial shares is the value that is considered the true value of the share. If the intrinsic value of CBFV is higher than its market price, buying is generally recommended. If it is equal to the market price, it is recommended to hold; and if it is less than the market price, then one should sell all shares CB Financial. Please read more on our fundamental analysis page. How effective is CB Financial in utilizing its assets?
CB Financial Services reports assets on its Balance Sheet. It represents the amount of CBFV resources that either has an existing economic value or will provide some form of benefits in the future. By effectively utilizing its assets, CB Financial aims to generate revenue, control costs, drive operational efficiency, and enhance profitability. Optimizing asset utilization helps maximize shareholder value and maintain a competitive position in the Regional Banks space. To get a better handle on how balance sheet or income statements item affect CBFV volatility, please check the breakdown of all its fundamentals.Are CB Financial Earnings Expected to grow?
The future earnings power of CB Financial involves the interaction of many company-specific, industry, and economic forces. Earnings estimates embody investors' opinions of CB Financial factors such as sales growth, product demand, competitive industry environment, profit margins, and cost controls. CB Financial stock prices adjust as these expectations change or are proven wrong. The main thing to remember is that equities with high expected earnings growth tend to underperform the market because it is usually difficult to meet the market's high expectations. Companies with low earnings expectations tend to do better than expected. Please use our latest analysis of CBFV expected earnings.
And What about dividends?
A dividend is the distribution of a portion of CB Financial earnings, decided and managed by the company's board of directors and paid to a class of its shareholders. Note, announcements of dividend payouts are generally accompanied by a proportional increase or decrease in a company's stock price. CB Financial dividend payments follow a chronological order of events, and the associated dates are important to determine the shareholders who qualify for receiving the dividend payment. CBFV one year expected dividend income is about USD0.75 per share.
At this time, CB Financial's Dividend Payout Ratio is fairly stable compared to the past year. Dividend Paid And Capex Coverage Ratio is likely to climb to 3.10 in 2024, whereas Dividends Paid is likely to drop slightly above 3.5 M in 2024. | Last Reported | Projected for Next Year | ||
| Dividends Paid | 5.1 M | 3.5 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 0.23 | 0.44 | |
| Dividend Paid And Capex Coverage Ratio | 1.69 | 3.10 |
Investing in dividend-paying stocks, such as CB Financial Services is one of the few strategies that are good for long-term investment. Ex-dividend dates are significant because investors in CB Financial must own a stock before its ex-dividend date to receive its next dividend.
This type of analysis is very useful when you want to generate a past dividend schedule and payout information for CB Financial. Then that information in the form of graph and calendar can be used to fully explain how Du Pont dividends can provide a real clue to its valuation.CB Financial Gross Profit
CB Financial Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing CB Financial previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show CB Financial Gross Profit growth over the last 10 years. Please check CB Financial's gross profit and other fundamental indicators for more details.
What is driving CB Financial Investor Appetite?
The entity reported the previous year's revenue of 538 K. Net Income was 11.25 M with profit before overhead, payroll, taxes, and interest of 48.91 M.
CB Financial Services (NASDAQ: CBFV) has demonstrated strong fundamentals that make it an attractive investment opportunity. The company has an impressive EBITDA of $21.57M, indicating a healthy operating profitability. The firm also showcases a robust asset base, including Non Current Assets Total of $221.1M and Total Current Assets of $312.2M, contributing to a Total Asset of $1.41B. CB Financial Services' PEG Ratio stands at 1.75X, suggesting the stock may be undervalued given its earnings growth rate.The company also boasts an Operating Margin of 0.38% and a Profit Margin of 0.27%, further underlining its profitability. The company's financial strength is also evident in its Retained Earnings Total Equity of $63.9M. This is backed by a Cash Flow from Operations of $14.15M, indicating the company's ability to generate sufficient cash for its operations. In terms of ownership, 30.61% of the company's shares are owned by institutions, indicating a high level of confidence among sophisticated investors. Lastly, with a Trailing PE of 7.1233 and a Target Price of $25, CB Financial Services presents a compelling investment opportunity based on its robust fundamentals. .
Building efficient market-beating portfolios requires time, education, and a lot of computing power!
The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.
Try AI Portfolio ArchitectEditorial Staff
This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Ellen Johnson do not own shares of CB Financial Services. Please refer to our Terms of Use for any information regarding our disclosure principles.