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

Company Overview

CB Financial Services, Inc. is a bank holding company headquartered in the Kansas City metropolitan area. Through its subsidiary, Community Bank & Trust, F.S.B., the company provides a comprehensive suite of retail and commercial banking services. Its primary focus is meeting the financial needs of individuals, small businesses and agricultural clients within its regional footprint.

The company’s deposit product lineup includes checking accounts, savings accounts, money market accounts and certificates of deposit. On the lending side, Community Bank & Trust offers commercial real estate loans, construction and development financing, agricultural loans, home mortgage loans, home equity lines of credit and various consumer loan products. Ancillary services such as online banking, mobile banking, cash management and merchant services complement its core deposit and lending offerings.

Established in the mid-2000s, CB Financial Services has grown organically by expanding its branch network across select communities in Missouri and Kansas. The bank targets relationship-driven banking, emphasizing personalized service and local decision-making. While relatively modest in size compared with larger regional institutions, it positions itself on the strength of community engagement and tailored financial solutions for its customers.

Key Stats

• Today's Range: $33.50 to $33.98
• 50-Day Range: $27.56 to $33.91
• 52-Week Range: $26.01 to $33.98
• Volume: 54,085 shs
• Average Volume: 11,139 shs
• Market Capitalization: $169.16 million
• P/E Ratio: 15.77
• Dividend Yield: 3.07%
• Price Target: $35.50
• Consensus Rating: Moderate Buy

CB Financial Services Stock Analysis - MarketRank™

CB Financial Services scored higher than 81% of companies evaluated by MarketBeat, and ranked 390th out of 941 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: 2.0 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

CB Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for CB Financial Services is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

CB Financial Services has only been the subject of 2 research reports 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 15.85, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.04.

Price to Earnings Ratio vs. Sector

The P/E ratio of CB Financial Services is 15.85, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 243.45.

Price to Book Value per Share Ratio

CB Financial Services has a P/B Ratio of 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.79% 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 5.4.

Change versus previous month

Short interest in CB Financial Services has recently decreased by 2.68%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

CB Financial Services pays a meaningful dividend of 3.07%, 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 48.37%. 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 46.64% 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

2.79% 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 5.4.

Change versus previous month

Short interest in CB Financial Services has recently decreased by 2.68%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.42

News Sentiment

CB Financial Services has a news sentiment score of 0.42. 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 1.04 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for CB Financial Services this week, compared to 2 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, CB Financial Services insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $188,221.00 in company stock.

Percentage Held by Insiders

Only 9.70% 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 18.6% and is now trading at $33.90.

How were CB Financial Services' earnings last quarter?

CB Financial Services, Inc. (NASDAQ:CBFV) issued its quarterly earnings results on Tuesday, July, 22nd. The bank reported $0.74 EPS for the quarter, beating analysts' consensus estimates of $0.40 by $0.34. The bank had revenue of $13.47 million for the quarter, compared to the consensus estimate of $12.83 million. CB Financial Services had a trailing twelve-month return on equity of 7.79% and a net margin of 14.43%.

Is CB Financial Services doing a stock buyback?

CB Financial Services' board initiated a stock buyback plan on Thursday, September 4th 2025, which allows the company to buy back $5,000,000 in outstanding shares, according to EventVestor. This means that the company could reacquire up to 3.1% of its stock through open market purchases. Stock buyback plans are generally an indication that the company's board of directors believes its shares are undervalued.

Who are CB Financial Services' major shareholders?

CB Financial Services' top institutional shareholders include Janney Montgomery Scott LLC (6.78%), M3F Inc. (3.49%), The Manufacturers Life Insurance Company (3.35%) and Geode Capital Management LLC (2.14%). Insiders that own company stock include John J Lacarte, John Haines Montgomery, Charles R Guthrie, Jennifer L George, Mark E Fox, John Swiatek, Richard B Boyer, Karl G Baily and Stephen Cobain.
View institutional ownership trends.

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: 7/22/2025
• Record date for 8/29 Dividend: 8/15/2025
• Ex-Dividend for 8/29 Dividend: 8/15/2025
• Dividend Payable: 8/29/2025
• Today: 9/19/2025
• Next Earnings (Estimated): 10/24/2025
• 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: 2010

Price Target and Rating

• Average Price Target for CB Financial Services: $35.50
• High Price Target: $39.00
• Low Price Target: $32.00
• Potential Upside/Downside: +4.7%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.15
• Trailing P/E Ratio: 15.85
• Forward P/E Ratio: 18.63
• P/E Growth: N/A
• Net Income: $12.59 million
• Net Margins: 14.43%
• Pretax Margin: 17.49%
• Return on Equity: 7.79%
• Return on Assets: 0.76%

Debt

• Debt-to-Equity Ratio: 0.23
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $81.62 million
• Price / Sales: 2.07
• Cash Flow: $2.44 per share
• Price / Cash Flow: 13.90
• Book Value: $28.76 per share
• Price / Book: 1.18

Miscellaneous

• Outstanding Shares: 4,990,000
• Free Float: 4,502,000
• Market Cap: $169.16 million
• Optionable: Not Optionable
• Beta: 0.36