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CB Financial Services Inc

Financial Services US CBFV

36.98USD
1.63(4.61%)

Last update at 2026-06-23T20:00:00Z

Day Range

35.3936.98
LowHigh

52 Week Range

26.4837.47
LowHigh

Fundamentals

  • Previous Close 35.35
  • Market Cap176.08M
  • Volume5385
  • P/E Ratio37.71
  • Dividend Yield2.90%
  • Revenue TTM42.94M
  • Revenue Per Share TTM8.53
  • Gross Profit TTM 42.94M
  • Diluted EPS TTM0.92

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 5.30M 15.34M 30.29M 14.08M 14.70M
Minority interest - - - - -
Net income 4.90M 12.59M 22.55M 11.25M 11.57M
Selling general administrative 1.02M 19.79M 22.98M 19.11M 23.11M
Selling and marketing expenses 0.57M 0.48M 0.43M 0.53M 0.75M
Gross profit 42.89M 48.57M 42.86M 0.54M 47.22M
Reconciled depreciation 1.81M 2.42M 2.84M 1.78M 1.93M
Ebit 5.30M 15.34M 30.29M 19.78M 14.70M
Ebitda 7.11M 17.77M 33.02M 21.57M 16.62M
Depreciation and amortization 1.81M 2.42M 2.74M 1.78M 1.93M
Non operating income net other - - - - -
Operating income 5.30M 15.34M 30.29M 19.78M 14.70M
Other operating expenses 63.34M 63.86M 29.75M 19.25M -32.52600M
Interest expense 25.16M 30.06M 17.67M 4.78M 3.40M
Tax provision 0.40M 2.75M 3.47M 2.83M 3.12M
Interest income 75.89M 76.02M 59.08M 47.62M 43.47M
Net interest income 50.72M 45.96M 45.18M 42.84M 40.07M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 0.40M 2.75M 7.74M 2.83M 3.12M
Total revenue 68.64M 79.20M 60.03M 0.54M 47.22M
Total operating expenses 37.59M 33.23M 12.58M 19.25M -32.52600M
Cost of revenue 25.75M 30.63M 17.17M - -
Total other income expense net - 0.41M -7.38800M -5.70300M -3.40500M
Discontinued operations - - - - -
Net income from continuing ops 4.90M 12.59M 13.74M 11.25M 11.57M
Net income applicable to common shares - - - 11.25M 11.57M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1547.69M 1481.56M 1458.58M 1408.94M 1425.48M
Intangible assets - 0.47M 0.96M 3.51M 5.29M
Earning assets - - - - -
Other current assets -285.36000M - 73.47M 3.98M 812.44M
Total liab 1390.16M 1334.19M 1318.74M 1298.78M 1292.36M
Total stockholder equity 157.54M 147.38M 139.83M 110.16M 133.12M
Deferred long term liab - - - - -
Other current liab 0.02M 1283.52M 979.64M -15.64200M -48.14100M
Common stock 2.43M 2.41M 2.40M 2.38M 2.37M
Capital stock 2.43M 2.41M 2.40M 2.38M 2.37M
Retained earnings 90.62M 90.86M 83.39M 63.86M 57.53M
Other liab - - - 4.89M 7.51M
Good will 9.73M 9.73M 9.73M 9.73M 9.73M
Other assets 1516.00M 1142.04M - 875.59M 812.44M
Cash 31.69M 49.57M 68.22M 103.70M 119.67M
Cash and equivalents - - - - -
Total current liabilities 0.02M 1303.52M 980.00M 15.64M 48.14M
Current deferred revenue - - - - -
Net debt 3.06M -14.85400M -31.76000M -81.00200M -62.80700M
Short term debt 0.02M 20.00M 0.35M 8.06M 39.27M
Short long term debt 20.00M 20.00M 20.00M 8.06M 39.27M
Short long term debt total 34.76M 34.72M 36.46M 22.70M 56.87M
Other stockholder equity 67.89M 71.34M 70.79M 70.16M 74.15M
Property plant equipment - - - 17.84M 18.40M
Total current assets 31.69M 309.09M 73.47M 312.20M 354.64M
Long term investments 279.89M 262.15M 207.09M 190.06M 224.97M
Net tangible assets - - - 96.91M 118.10M
Short term investments 278.99M 259.51M 204.51M 187.36M 222.11M
Net receivables 6.37M - - 21.14M 12.86M
Long term debt 14.76M 14.72M 14.68M 14.64M 17.60M
Inventory - - - - 0.04M
Accounts payable - - - 7.58M 8.88M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -3.41200M -17.23500M -16.74700M -26.24100M -0.92700M
Additional paid in capital - - - - -
Common stock total equity - - - 2.38M 2.37M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 63.86M 57.53M
Treasury stock - - - -13.79700M -9.14400M
Accumulated amortization - - - - -
Non currrent assets other 54.58M 55.68M 1341.87M -221.14700M -258.40000M
Deferred long term asset charges - - - - -
Non current assets total 1516.00M 1172.48M 1385.11M 221.15M 258.40M
Capital lease obligations - - - - -
Long term debt total - - - 14.64M 17.60M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -12.56700M -36.38500M -46.91700M -28.31500M -58.92300M
Change to liabilities - - - -0.13600M 1.61M
Total cashflows from investing activities -82.61100M -36.38500M -54.72700M -28.30700M -60.13800M
Net borrowings 0.00000M 0.00000M 11.94M -34.20600M 7.81M
Total cash from financing activities 46.92M 10.98M 5.01M -1.81800M 5.85M
Change to operating activities - - - -0.13100M -0.28100M
Net income 4.90M 12.59M 22.55M 11.25M 11.57M
Change in cash -17.87900M -18.65100M -35.47700M -15.97400M -41.23700M
Begin period cash flow 49.57M 68.22M 103.70M 119.67M 160.91M
End period cash flow 31.69M 49.57M 68.22M 103.70M 119.67M
Total cash from operating activities 17.81M 6.75M 14.24M 14.15M 13.05M
Issuance of capital stock - - - - -
Depreciation 1.81M 2.42M 2.74M 2.70M 2.44M
Other cashflows from investing activities -32.98400M 21.80M -63.38200M 0.52M 1.17M
Dividends paid 5.13M 5.13M 5.11M -4.92000M -5.16800M
Change to inventory - - - - -
Change to account receivables -0.78800M -0.50000M -1.10300M -0.63300M 0.52M
Sale purchase of stock -6.84000M -0.96500M -0.84300M -4.80200M -4.14300M
Other cashflows from financing activities 56.29M 17.08M -0.97200M 10.90M 20.16M
Change to netincome - - - 0.14M -3.98900M
Capital expenditures 0.65M 3.31M 3.29M 0.51M 2.38M
Change receivables - - - -0.63300M 0.52M
Cash flows other operating - - - 0.76M 0.86M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -15.97400M -41.23700M
Change in working capital -3.36200M -3.53000M 4.72M -0.23400M 1.88M
Stock based compensation 0.80M 0.81M 1.12M 0.60M 0.57M
Other non cash items 13.72M -5.50200M -16.87000M -0.10900M -3.32700M
Free cash flow 16.56M 3.44M 10.94M 13.64M 10.67M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CBFV
CB Financial Services Inc		 1.63 4.61% 36.98 37.71 12.99 4.10 1.12 5.09
HDB
HDFC Bank Limited ADR		 -0.07 0.28% 25.02 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.13 0.44% 29.92 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 -0.1 0.19% 51.25 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

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Profile

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides banking products and services for individuals and businesses. Its primary deposit products include demand deposits, NOW accounts, money market accounts, and savings and checking accounts, as well as time deposit products. The company's 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 comprising retail facilities, office buildings, and other non-residential buildings, as well as multifamily properties; 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, it invests in U.S. treasuries, U.S. government agency securities, mortgage-backed securities (MBS's), collateralized mortgage obligations (CMO's), investment grade corporate bonds, obligations of states and political subdivisions, short-term instruments, collateralized loan obligations (CLO's), and other securities; and equity securities, which includes mutual funds. CB Financial Services, Inc. was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

CB Financial Services Inc

100 North Market Street, Carmichaels, PA, United States, 15320

Key Executives

Name Title Year Born
Mr. John H. Montgomery Pres, CEO & Director 1962
Mr. Richard B. Boyer Sr. VP of Insurance Operations & Director 1958
Mr. Jamie L. Prah CPA CFO & Exec. VP 1970
Ms. Jennifer L. George Sr. Exec. VP & COO 1972
Matthew C. Lawrence Sr. VP of Fin. & Assistant Controller NA
Elizabeth A. Calvario Corp. Sec. NA
Ms. Linda K. Andrews Sr. VP of Fin. & Controller NA
Mr. John H. Montgomery President, CEO & Director 1962
Ms. Jennifer L. George Senior Executive VP & COO 1972
Mr. Ralph Burchianti Senior Executive VP, Chief Credit Officer, Chief Lending Officer & Director 1956

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