CB Financial Services (CBFV) AI Stock Analysis

• Market Cap: $141.46M
• Dividend Yield: 3.62%
• Average Volume (3M): 15.92K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.44
• Revenue Growth: 31.41%
• EPS Growth: -44.35%
• Country: US
• Employees: 162
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 2.39
• Shares Outstanding: 5,123,621
• 10 Day Avg. Volume: 20,769
• 30 Day Avg. Volume: 15,918
• PEG Ratio: 0.10
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.19
• Price to Cash Flow (P/CF): 11.90
• P/FCF Ratio: 3.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $30.00
• Price Target Upside: 11.52% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

CB Financial Services scores well due to its strong profitability and efficient cost management. However, concerns about revenue decline and negative free cash flow growth weigh on the score. Positive technical indicators and reasonable valuation add support to the overall score.

CB Financial Services Business Overview & Revenue Model

Company Description

CB Financial Services, Inc. (CBFV) operates as the holding company for Community Bank, offering a range of financial products and services to individuals, businesses, and governmental entities. The company primarily operates in the banking sector, providing traditional banking services such as loan and deposit products, as well as other financial services including trust and investment management services.

How the Company Makes Money

CB Financial Services, Inc. generates revenue primarily through interest income from its loan portfolio and investments in securities, as well as non-interest income from service charges, fees, and commissions. The company's key revenue streams include consumer and commercial loans, mortgage lending, and deposit services such as checking and savings accounts. Additionally, the company earns fees from trust and wealth management services. Partnerships with financial technology firms and other financial institutions may also enhance their service offerings and contribute to their earnings.

CB Financial Services Financial Statement Overview

Summary

CB Financial Services demonstrates strong profitability and efficient cost management with high margins. The balance sheet indicates low leverage and strong returns on equity, but there is room for improvement in cash generation. The decline in revenue and negative free cash flow growth are areas of concern, requiring attention to ensure sustainable future growth.

Income Statement

CB Financial Services shows strong profitability with a gross profit margin of 100% for TTM, indicating efficient cost management. The net profit margin has improved remarkably to 38.2% in TTM from 32.8% in 2023. However, the revenue growth rate is negative at -12.33%, indicating a decline in total revenue compared to the previous year. EBIT and EBITDA margins are healthy at 44.3% and 37.8% respectively, showing robust operating performance.

Balance Sheet

The balance sheet is stable with a debt-to-equity ratio of 0.23, reflecting low leverage. The equity ratio is moderate at 9.5%, suggesting a balanced capital structure. Return on equity is strong at 15.4% for TTM, indicating effective use of equity to generate profits. The company's assets have been growing steadily, although the equity base is relatively small compared to total assets.

Cash Flow

Cash flow analysis shows some concerns with a negative free cash flow growth rate of -122.0% for TTM, indicating potential issues in generating free cash flow. The operating cash flow to net income ratio is low at 0.1, suggesting challenges in converting earnings into cash. However, the company has managed to maintain positive operating cash flow.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
60.26M	68.73M	538.00K	47.22M	49.39M	51.35M
	Gross Profit
60.26M	9.02M	538.00K	47.22M	49.39M	51.35M
	EBIT
26.70M	37.67M	19.78M	14.70M	-9.39M	16.06M
	EBITDA
22.80M	0.00	16.78M	0.00	-6.16M	19.78M
	Net Income Common Stockholders
23.03M	22.55M	11.25M	11.57M	-10.64M	14.33M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
278.76M	68.22M	291.06M	341.78M	303.81M	277.60M
	Total Assets
1.28B	1.46B	1.41B	1.43B	1.42B	1.32B
	Total Debt
50.98M	34.68M	22.70M	56.87M	41.05M	14.00M
	Net Debt
-2.37M	-33.55M	-81.00M	-62.81M	-119.86M	-66.22M
	Total Liabilities
1.14B	1.32B	1.30B	1.29B	1.28B	1.17B
	Stockholders Equity
137.63M	139.83M	110.16M	133.12M	134.53M	151.10M
Cash Flow		Free Cash Flow
-2.41M	10.94M	13.64M	10.67M	13.76M	16.92M
	Operating Cash Flow
2.34M	14.24M	14.15M	13.05M	14.08M	17.87M
	Investing Cash Flow
6.08M	-54.73M	-28.31M	-60.14M	-36.90M	-11.04M
	Financing Cash Flow
111.88M	5.01M	-1.82M	5.85M	103.51M	20.03M

CB Financial Services Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 26.90
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CBFV, the sentiment is Negative. The current price of 26.9 is below the 20-day moving average (MA) of 28.74, below the 50-day MA of 28.69, and above the 200-day MA of 26.68, indicating a neutral trend. The MACD of -0.49 indicates Positive momentum. The RSI at 32.92 is Neutral, neither overbought nor oversold. The STOCH value of 22.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CBFV.

CB Financial Services Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FSBC	74 Outperform	$601.06M	12.70	13.39%	2.79%	17.32%	-18.15%
UVSP	70 Outperform	$804.51M	11.16	8.80%	2.91%	11.77%	7.54%
CBFV	70 Outperform	$141.46M	11.97	8.77%	3.62%	31.41%	-44.35%
FUNC	64 Neutral	$192.89M	10.12	12.06%	2.63%	12.56%	-18.63%
EQBK	64 Neutral	$675.84M	9.71	11.98%	1.39%	49.89%	736.40%
Sector *	64 Neutral	$13.80B	10.64	9.23%	4.22%	17.66%	-7.66%