CB Financial Services (CBFV) Stock Price, News & Analysis

Company Overview

CB Financial Services, Inc. is a Maryland-based bank holding company operating primarily through its wholly owned subsidiary, CB & Potomac. Headquartered in Waldorf, Maryland, the company provides a full range of banking and financial services to individuals, businesses, and public entities. Its core offerings include deposit accounts, lending solutions, wealth management, and trust services, all designed to meet the diverse needs of customers across its service area.

The company’s deposit products encompass checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. On the lending side, CB Financial Services delivers residential mortgage financing, consumer installment loans, commercial real estate loans, and business lines of credit. In addition, the company’s wealth management division offers tailored financial planning, investment advisory, and fiduciary services, helping clients achieve long-term financial goals.

Founded in 1902 as The Charles County Bank, the organization has evolved through name changes and strategic expansions to emerge as a leading community bank in Southern Maryland. Over the years, the company broadened its footprint with additional branches and introduced new product lines to address changing customer preferences. In 2007, the holding company formally adopted the CB Financial Services name to reflect its wider offering of financial solutions beyond traditional banking.

Serving residents and businesses in Charles, Prince George’s, St. Mary’s, and Calvert counties, as well as select markets in Northern Virginia and the District of Columbia, CB Financial Services combines local decision-making with personalized attention. The company’s leadership team, headed by President and CEO Mark W. Tillman, emphasizes community involvement and customer-centric service. With a focus on prudent growth, operational efficiency, and strong governance, CB Financial Services continues to reinforce its commitment to the economic development of the regions it serves.

Key Stats

• Today's Range: $28.83 to $29.43
• 50-Day Range: $27.49 to $29.86
• 52-Week Range: $20.99 to $33.72
• Volume: 14,874 shs
• Average Volume: 12,491 shs
• Market Capitalization: $144.78 million
• P/E Ratio: 15.02
• Dividend Yield: 3.47%
• Price Target: $26.00
• Consensus Rating: Hold

CB Financial Services Stock Analysis - MarketRank™

CB Financial Services scored higher than 82% of companies evaluated by MarketBeat, and ranked 245th out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

CB Financial Services has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

CB Financial Services has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 22.53%

Earnings Growth

Earnings for CB Financial Services are expected to grow by 22.53% in the coming year, from $1.82 to $2.23 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CB Financial Services is 15.02, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of CB Financial Services is 15.02, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

CB Financial Services has a P/B Ratio of 1.00. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.50% of the float of CB Financial Services has been sold short.

Short Interest Ratio / Days to Cover

CB Financial Services has a short interest ratio ("days to cover") of 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CB Financial Services has recently decreased by 7.23%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

CB Financial Services pays a meaningful dividend of 3.42%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

CB Financial Services does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of CB Financial Services is 52.08%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, CB Financial Services will have a dividend payout ratio of 44.84% next year. This indicates that CB Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.7 / 5
• Environmental Score: -0.43

Percentage of Shares Shorted

0.50% of the float of CB Financial Services has been sold short.

Short Interest Ratio / Days to Cover

CB Financial Services has a short interest ratio ("days to cover") of 1.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in CB Financial Services has recently decreased by 7.23%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.0 / 5
• News Sentiment: -0.20

News Sentiment

CB Financial Services has a news sentiment score of -0.20. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for CB Financial Services this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, CB Financial Services insiders have sold 323.32% more of their company's stock than they have bought. Specifically, they have bought $34,560.00 in company stock and sold $146,300.00 in company stock.

Percentage Held by Insiders

Only 9.40% of the stock of CB Financial Services is held by insiders.

Percentage Held by Institutions

Only 33.06% of the stock of CB Financial Services is held by institutions.

CBFV Stock Analysis - Frequently Asked Questions

How have CBFV shares performed this year?

CB Financial Services' stock was trading at $28.58 on January 1st, 2025. Since then, CBFV shares have increased by 0.9% and is now trading at $28.84.

How were CB Financial Services' earnings last quarter?

CB Financial Services, Inc. (NASDAQ:CBFV) issued its quarterly earnings data on Wednesday, April, 23rd. The bank reported $0.50 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.43 by $0.07. The bank had revenue of $12.10 million for the quarter, compared to analyst estimates of $12.69 million. CB Financial Services had a net margin of 12.83% and a trailing twelve-month return on equity of 7.00%.

How do I buy shares of CB Financial Services?

Shares of CBFV stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of CB Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that CB Financial Services investors own include NVIDIA (NVDA), Adobe (ADBE), Broadcom (AVGO), Arista Networks (ANET), GE Aerospace (GE), Advanced Micro Devices (AMD) and Builders FirstSource (BLDR).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 5/30 Dividend: 5/16/2025
• Ex-Dividend for 5/30 Dividend: 5/16/2025
• Dividend Payable: 5/30/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CBFV
• CIK: 1605301
• Web: www.communitybank.tv
• Phone: (724) 966-5041
• Fax: 724-966-7867
• Employees: 200
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $26.00
• High Stock Price Target: $27.00
• Low Stock Price Target: $25.00
• Potential Upside/Downside: -11.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.92
• Trailing P/E Ratio: 15.04
• Forward P/E Ratio: 16.06
• P/E Growth: N/A
• Net Income: $12.59 million
• Net Margins: 12.83%
• Pretax Margin: 15.64%
• Return on Equity: 7.00%
• Return on Assets: 0.68%

Debt

• Debt-to-Equity Ratio: 0.23
• Current Ratio: 0.88
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $81.62 million
• Price / Sales: 1.80
• Cash Flow: $2.44 per share
• Price / Cash Flow: 11.99
• Book Value: $28.76 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 5,020,000
• Free Float: 4,551,000
• Market Cap: $146.76 million
• Optionable: Not Optionable
• Beta: 0.29