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CB Financial Services, Inc.

Datakwaliteit: 83%
CBFV
Nasdaq Financial Services Depository Institutions
€ 36,57
▲ € 0,29 (0,80%)
Marktkapitalisatie: 185,17 M
Prijs
€ 36,48
Marktkapitalisatie
185,17 M
Dagbereik
—
52-Weeksbereik
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Volume
—
Openen —
50D / 200D Gem.
—
50D / 200D Gem.
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Quick Summary

Belangrijkste Punten

Earnings declined -61,07% over the past year
ROE of 3,26% is below average
Generating 17,16 M in free cash flow
P/E of 37,77 — premium valuation
Cash machine — converts 349,93% of earnings into free cash flow

Groei

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-61,07%
FCF Growth (3Y)25,21%

Kwaliteit

Return on Equity
3,26%
Onder sectorgemiddelde (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Veiligheid

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Waardering

PE (TTM|2027)
37,77 | 10,78
Boven sectorgemiddelde (11,15)
P/B Ratio1,21
EV/EBITDAN/A
Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (2180 peers)
Metriek Aandeel Sector Mediaan
P/E 37,8 11,1
P/B 1,2 1,2
ROE % 3,3 9,2
Net Margin % — 9,4
Rev Growth 5Y % — 5,9
D/E — 0,5

Koersdoel Analisten

3 analisten
Buy
Huidig
€ 36,57
+7.6%
Koersdoel
€ 39,33
€ 39,00
€ 39,00
€ 40,00
Vooruitzicht
Forward K/W 10,81
Forward WPA € 3,38
WPA Groei (sch.) +13,3%
Omzet Sch. 67,70 M

Winstschattingen

Periode WPA Sch. Omzet Sch. Analisten
FY2027 € 3,38
€ 3,30 – € 3,50
 67,70 M 3
FY2026 € 2,99
€ 2,82 – € 3,14
 62,60 M 3

Winstverassingen

Laatste 4 kwartalen
Kwartaal Geschat WPA Werkelijk WPA Verrassing
Q42025 € 0,82 € 0,72 -11,7%
Q32025 € 0,65 € 0,74 +13,9%
Q22025 € 0,42 € 0,74 +76,2%
Q12025 € 0,38 € 0,50 +31,6%

ETFs Holding This Stock

BRSIX BRSIX
0,29% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0,07% weight
BOSVX BOSVX
0,06% weight
GISMX GISMX
0,01% weight
GSMRX GSMRX
0,01% weight
GMSMX GMSMX
0,01% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0,00% weight
AVCNX AVCNX
0,00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -61,07% Earnings Growth (3Y) -53,37%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -19,32%
Profitability
Revenue (TTM) N/A Net Income (TTM) 4,90 M
ROE 3,26% ROA 0,32%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 17,16 M
ROIC N/A FCF Growth (3Y) 25,21%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 142,73 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 37,77 Forward P/E N/A
P/B Ratio 1,21 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 9,27%
Market Cap 185,17 M Enterprise Value 129,28 M
Per Share
EPS (Diluted TTM) 0,92 Revenue / Share N/A
FCF / Share 3,38 OCF / Share 3,51
EPS CAGR (1Y) -61,34% EPS CAGR (5Y) -19,12%
EPS CAGR (10Y) -7,52%
Efficiency
CapEx / Revenue N/A FCF Conversion 349,93%
SBC-Adj. FCF 16,33 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — 43,56 M
Net Income 4,90 M 12,59 M 22,55 M 11,25 M 11,57 M
EPS (Diluted) 0,92 2,38 4,40 2,18 2,15
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 1,81 M 2,43 M 2,74 M 2,70 M 2,44 M
Interest Expense 50,78 M 46,07 M 17,67 M 4,78 M 3,41 M
Income Tax 397.000,0 2,75 M 7,74 M 2,83 M 3,13 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1,55 B 1,48 B 1,46 B 1,41 B 1,43 B
Total Liabilities 1,39 B 1,33 B 1,32 B 1,30 B 1,29 B
Shareholders' Equity 157,54 M 147,38 M 139,83 M 110,16 M 133,12 M
Total Debt 0,0 — 0,0 8,06 M 39,27 M
Cash & Equivalents 31,69 M 49,57 M 68,22 M 103,70 M 119,67 M
Current Assets — — — — —
Current Liabilities — — — — —