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CB Financial Services, Inc. (CBFV)

Financial Services | Banks - Regional | Carmichaels, United States | NasdaqGM
38.18 USD +0.48 (1.273%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★★⯪☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 4:26 a.m. EDT

The investment case for CB Financial Services hinges on a stark divergence between its deteriorating operational efficiency and its resilient share price. While the company is posting modest revenue growth and expanding earnings, the underlying business quality is eroding, evidenced by a collapse in Return on Equity to roughly 4.6% and a sluggish Return on Assets of 0.45%. This suggests the bank is struggling to generate capital efficiently, a critical flaw for a regional lender. However, the market appears to be pricing in a turnaround or a niche advantage, as the stock has rallied nearly 40% over the last nine years, outperforming the typical trajectory of a bank with such poor capital returns. This disconnect creates a cautious outlook: the long-term fundamentals are not yet strong enough to justify a 'buy' rating despite the price appreciation, while the short-term momentum remains flat, offering no clear edge for immediate speculation. On the income side, the yield sits at a respectable 2.9%, but the payout ratio is dangerously high at 84%, indicating that nearly 85 cents of every dollar earned is being distributed to shareholders, leaving very little buffer for errors or reinvestment needs.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.007064
MSTL0.007556
AutoARIMA0.007933
AutoTheta0.009047

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 61%
H-stat 0.53
Ljung-Box p 0.369
Jarque-Bera p 0.865
Excess Kurtosis -0.36
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-13
Last Dividend Date 2026-08-13
Revenue per Share 9.423
Market Cap 194,014,880
Trailing P/E 29.60
Forward P/E 11.13
Beta 0.28
Profit Margins 15.21%
Website https://www.cb.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.75% 3.11% 3.64% 3.93%
Dividend History
Date Dividend Yield %
2026-08-14 0.28 0.752891
2026-05-15 0.28 0.816327
2026-02-13 0.28 0.760250
2025-11-14 0.26 0.780078
2025-08-15 0.26 0.822004
2025-05-16 0.25 0.849185
2025-02-14 0.25 0.816460
2024-11-15 0.25 0.865351
2024-08-15 0.25 1.020825
2024-05-14 0.25 1.117568
2024-02-14 0.25 1.136364
2023-11-14 0.25 1.171509
2023-08-14 0.25 1.120072
2023-05-12 0.25 1.288660
2023-02-14 0.25 1.147842
2022-11-17 0.24 1.090909
2022-08-18 0.24 1.094891
2022-05-19 0.24 1.068091
2022-02-17 0.24 0.917081
2021-11-18 0.24 1.006711
2021-08-19 0.24 1.045752
2021-05-20 0.24 1.081081
2021-02-12 0.24 1.281367
2020-12-03 0.24 1.101423
2020-09-03 0.24 1.218274
2020-06-04 0.24 0.970481
2020-03-05 0.24 0.914286
2019-12-05 0.24 0.813559
2019-09-05 0.24 0.952381
2019-06-07 0.24 1.039861
2019-03-08 0.24 0.960000
2018-12-07 0.23 0.887346
2018-09-07 0.22 0.688576
2018-06-07 0.22 0.617978
2018-03-08 0.22 0.739496
2017-12-07 0.22 0.734803
2017-09-07 0.22 0.800000
2017-06-07 0.22 0.825516
2017-03-08 0.22 0.820896
2016-12-07 0.22 0.866142
2016-09-07 0.22 0.940171
2016-06-08 0.22 0.996828
2016-03-08 0.22 1.093983
2015-12-04 0.22 0.981267
2015-09-03 0.21 1.004785
2015-06-05 0.21 1.059002
2015-03-06 0.21 1.057934
2014-12-05 0.21 1.061678
2014-09-05 0.21 1.076923
2014-06-06 0.21 1.034483
2014-03-05 0.21 1.050000
2013-12-06 0.21 1.071429
2013-09-06 0.21 1.050000
2013-06-05 0.21 1.105263
2013-03-06 0.21 1.019417
2012-12-06 0.42 2.210526
2012-06-06 0.42 2.320442
2011-12-07 0.42 2.145046
2011-06-08 0.41 2.275250
2010-12-03 0.41 2.198391
2010-06-04 0.40 2.461538
2009-12-04 0.39 2.294118
2009-06-05 0.38 2.714286
2008-12-05 0.37 2.781955
2008-06-06 0.34 2.125000
2007-12-28 0.36 2.000000
2007-06-06 0.28 1.696970
2006-12-06 0.27 1.611940
2005-12-06 0.25 1.538462
2005-06-08 0.20 1.388889
2004-12-07 0.20 1.509434
2004-06-08 0.19 1.381818
2003-12-05 0.19 1.266667
Additional Data
dividendYield 2.9
exDividendDate 2026-08-14
trailingAnnualDividendRate 1.08
trailingAnnualDividendYield 0.028647216
lastDividendValue 0.28
lastDividendDate 2026-08-14
dividendDate 2026-08-28

Info Dump

Attribute Value
52 Week Change 0.19536626
Address1 100 North Market Street
All Time High 38.86
All Time Low 11.5
Ask 48.61
Ask Size 2
Audit Risk 9
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 4,040
Average Daily Volume3 Month 4,962
Average Volume 4,962
Average Volume10Days 4,040
Beta 0.28
Bid 26.4
Bid Size 2
Board Risk 7
Book Value 31.906
City Carmichaels
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 38.18
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 38.18
Day Low 37.39
Display Name CB Financial Services
Dividend Date 1,787,875,200
Dividend Yield 2.9
Earnings Growth 0.081
Earnings Quarterly Growth 0.089
Earnings Timestamp End 1,793,304,000
Earnings Timestamp Start 1,793,304,000
Ebitda Margins 0.0
Enterprise To Revenue 4.658
Enterprise Value 220,862,880
Eps Current Year 3.16667
Eps Forward 3.43
Eps Trailing Twelve Months 1.29
Esg Populated 0
Ex Dividend Date 1,786,665,600
Exchange NGM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 724 966 7867
Fifty Day Average 37.3806
Fifty Day Average Change 0.7994003
Fifty Day Average Change Percent 0.021385433
Fifty Two Week Change Percent 19.536627
Fifty Two Week High 38.86
Fifty Two Week High Change -0.6800003
Fifty Two Week High Change Percent -0.01749872
Fifty Two Week Low 30.97
Fifty Two Week Low Change 7.210001
Fifty Two Week Low Change Percent 0.23280598
Fifty Two Week Range 30.97 - 38.86
Financial Currency USD
First Trade Date Milliseconds 1,065,533,400,000
Five Year Avg Dividend Yield 3.75
Float Shares 4,618,855
Forward Eps 3.43
Forward P E 11.131195
Full Exchange Name NasdaqGM
Full Time Employees 169
Fullday Change 0.47999954
Fullday Change Percent 1.2813656
Fullday Price 38.18
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 47,413,000
Has Pre Post Market Data 1
Held Percent Insiders 0.102419995
Held Percent Institutions 0.45556
Implied Shares Outstanding 5,081,584
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,786,665,600
Last Dividend Value 0.28
Last Fiscal Year End 1,767,139,200
Long Business Summary 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.
Long Name CB Financial Services, Inc.
Market us_market
Market Cap 194,014,880
Market State PRE
Max Age 86,400
Message Board Id finmb_9531797
Most Recent Quarter 1,782,777,600
Net Income To Common 7,213,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 189,238,188
Number Of Analyst Opinions 3
Open 37.39
Operating Cashflow 20,091,000
Operating Margins 0.34078
Overall Risk 7
Payout Ratio 0.8372
Peg Ratio 1.12
Phone 724 966 5041
Previous Close 37.7
Price Eps Current Year 12.056829
Price Hint 2
Price To Book 1.1966401
Price To Sales Trailing12 Months 4.0920186
Profit Margins 0.15213001
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.48
Regular Market Change Percent 1.27321
Regular Market Day High 38.18
Regular Market Day Low 37.39
Regular Market Day Range 37.39 - 38.18
Regular Market Open 37.39
Regular Market Previous Close 37.7
Regular Market Price 38.18
Regular Market Time 1,792,094,401
Regular Market Volume 5,474
Return On Assets 0.00454
Return On Equity 0.046469998
Revenue Growth 0.15
Revenue Per Share 9.423
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 5,081,584
Shares Percent Shares Out 0.0153
Shares Short 77,810
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 86,537
Short Name CB Financial Services, Inc.
Short Percent Of Float 0.017
Short Ratio 16.42
Source Interval 15
State PA
Symbol CBFV
Target High Price 44.0
Target Low Price 40.0
Target Mean Price 42.0
Target Median Price 42.0
Total Cash 76,173,000
Total Cash Per Share 14.99
Total Debt 103,021,000
Total Revenue 47,413,000
Tradeable 0
Trailing Annual Dividend Rate 1.08
Trailing Annual Dividend Yield 0.028647216
Trailing Eps 1.29
Trailing P E 29.5969
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 36.0277
Two Hundred Day Average Change 2.1523018
Two Hundred Day Average Change Percent 0.059740197
Type Disp Equity
Volume 5,474
Website https://www.cb.bank
Zip 15,320