CB Financial Services, Inc. (CBFV) Stock

CB Financial Services, Inc. (CBFV) is a Financials stock trading at $37.46 (as of 2026-08-21), with a market capitalization of $190.36M and a trailing P/E of 26.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

CB Financial Services, Inc. is the bank holding company for Community Bank, providing deposit, lending, and related financial services to individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. Its offerings include demand, NOW, money market, savings, and time deposits, along with residential, commercial real estate, construction, commercial and industrial, consumer, and other loan products, plus insurance agency activities.

Understand CB Financial Services, Inc.: how it makes money

CB Financial Services, Inc. operates as a bank holding company for Community Bank, providing deposit products and loan products (including residential real estate loans and commercial real estate loans) to individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio.

The profit model is driven by the yields the bank earns on its investment securities and mortgage-backed securities, and by credit performance, tracked via net charge-offs and the Allowance for Credit Losses Coverage of Nonperforming Assets.

Business quality (Mixed): The snapshot includes one latest quarter, with operating margin and several credit and yield KPIs, but it does not provide a clean reportable segment revenue breakdown (and revenue is shown as 0.0B), which limits segment-level understanding.

Valuation: At 29× earnings, CBFV trades 128% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Strong credit-loss coverage: Allowance for Credit Losses Coverage of Nonperforming Assets is 309.5 percent, which indicates a sizable cushion versus currently nonperforming assets.
  • Positive signal in credit losses (as reported): Net Charge-Offs are reported at 0.0 USD_B for the quarter, suggesting limited realized losses in this period.

Bear case

  • Commercial loan concentration risk: Commercial Loans as a Percentage of Loan Portfolio is 59.8 percent, and the bank’s commercial loans are primarily secured commercial real estate loans, which can be sensitive to local economic and real estate conditions.
  • Nonperforming assets are still present: Nonperforming Loans are reported at 0.01 USD_B, showing that credit issues exist even if charge-offs are low in the quarter.
Valuation — source: SEC EDGAR (first-party)
Price$37.46
Market Cap$190.36M
P/E Ratio26.4
EV / EBITDA18.0
Price / Book1.17
Price / Sales2.38
FCF Yield10.3%
DCF Value (model)$0.13
DCF Upside vs Price-99.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$75.94M
Net Margin6.5%
Revenue Growth (YoY)11.4%
EPS Growth (YoY)7.6%
FCF Growth (YoY)89.9%
Valuation vs Sector & Industry
Stock P/E26.4
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector74.8%
vs Industry103.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderJanney Montgomery Scott LLC ($10.44M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJohn H. Montgomery
Employees159
CountryUS
IPO Date2003-10-07

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Ohio Valley Banc Corp. (OVBC)
  • BayFirst Financial Corp. (BAFN)
  • FinWise Bancorp (FINW)
  • Hanover Bancorp, Inc. (HNVR)
  • MainStreet Bancshares, Inc. (MNSBP)
  • Eagle Bancorp Montana, Inc. (EBMT)
  • SB Financial Group, Inc. (SBFG)
  • Richmond Mutual Bancorporation, Inc. (RMBI)
CBFV earnings history · CBFV institutional & insider holders · CBFV KPIs & operating metrics · CBFV financials · CBFV investor presentations & press releases · CBFV SEC filings · CBFV peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.