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: $35.47 to $35.72
• 50-Day Range: $33.46 to $36.76
• 52-Week Range: $27.11 to $37.75
• Volume: 2,252 shs
• Average Volume: 3,457 shs
• Market Capitalization: $179.93 million
• P/E Ratio: 27.51
• Dividend Yield: 3.16%
• Price Target: $41.00
• Consensus Rating: Hold

CB Financial Services Stock Analysis - MarketRank™

CB Financial Services scored higher than 54% of companies evaluated by MarketBeat, and ranked 630th out of 876 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: 3.0 / 5
• Analyst Rating: Hold

Consensus Rating

CB Financial Services has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and 1 sell rating.

Upside Potential

CB Financial Services has a consensus price target of $41.00, representing about 15.5% upside from its current price of $35.49.

Amount of Analyst Coverage

CB Financial Services has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 8.33%

Earnings Growth

Earnings for CB Financial Services are expected to grow by 8.33% in the coming year, from $3.12 to $3.38 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of CB Financial Services is 27.51, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.12.

Price to Earnings Ratio vs. Sector

The P/E ratio of CB Financial Services is 27.51, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 22.71.

Price to Book Value per Share Ratio

CB Financial Services has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.14% 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 31.01, which indicates bearish sentiment.

Change versus previous month

Short interest in CB Financial Services has recently increased by 3.50%, indicating that investor sentiment is decreasing.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

CB Financial Services pays a meaningful dividend of 3.13%, 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 86.82%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, CB Financial Services will have a dividend payout ratio of 33.14% next year. This indicates that CB Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.5 / 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 $61,967.00 in company stock.

Percentage Held by Insiders

10.20% of the stock of CB Financial Services is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

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

Company Calendar

• Record date for 2/27 Dividend: 2/13/2026
• Ex-Dividend for 2/27 Dividend: 2/13/2026
• Dividend Payable: 2/27/2026
• Last Earnings: 4/22/2026
• Today: 5/09/2026
• Record date for 5/29 Dividend: 5/15/2026
• Ex-Dividend for 5/29 Dividend: 5/15/2026
• Dividend Payable: 5/29/2026
• Next Earnings (Estimated): 7/22/2026
• Fiscal Year End: 12/31/2026

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: $41.00
• High Price Target: $43.00
• Low Price Target: $39.00
• Potential Upside/Downside: +15.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.29
• Trailing P/E Ratio: 27.51
• Forward P/E Ratio: 11.38
• P/E Growth: N/A
• Net Income: $4.90 million
• Net Margins: 8.32%
• Pretax Margin: 7.71%
• Return on Equity: 10.16%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $80.52 million
• Price / Sales: 2.23
• Cash Flow: $3.14 per share
• Price / Cash Flow: 11.32
• Book Value: $31.44 per share
• Price / Book: 1.13

Miscellaneous

• Outstanding Shares: 5,070,000
• Free Float: 4,555,000
• Market Cap: $179.93 million
• Optionable: Not Optionable
• Beta: 0.28