Stocks · Financial Services · Banks - Regional
CB Financial Services, Inc. CBFV
$36.85 -1.13% Close, Oct 2, 2026 · NASDAQ · Market cap $186.9M
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.28, down 40.5% year over year.
- The shares trade at 28.8× trailing earnings, higher than 85% of the company's own readings over the past five years.
- Operating margin narrowed to 10.9% from 17.8% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth25Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 14%
- EPS growth (TTM, YoY)Bottom 15%
- FCF growth (TTM, YoY)Top 24%
- Revenue growth, 3-year CAGRBottom 23%
- Revenue growth accelerationTop 28%
Quality40Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 35%
- Gross marginTop 50%
- Operating marginBottom 24%
- Cash conversion (OCF / net income)Top 13%
- Accruals (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Bottom 38%
- Interest coverBottom 19%
Value42Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 34%
- Free-cash-flow yieldTop 34%
- EBITDA / enterprise valueBottom 37%
- Sales / enterprise valueTop 43%
- P/E vs own 5-year history (lower is better)Bottom 21%
Momentum54Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 47%
- 6-month returnBottom 48%
- 1-year return vs S&P 500Top 43%
- Distance from 52-week highTop 25%
- Trend checklist (0–4)Top 48%
Revisions70Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 43%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetTop 39%
Stability59Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 49%
- Maximum drawdown, 3 yearsTop 31%
- Beta vs S&P 500 (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Bottom 38%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -10.0% | -7.8% | ↑ |
| EPS growth (YoY) | -36.5% | -40.5% | ↓ |
| Gross margin | 62.5% | 65.1% | ↑ |
| Operating margin | 17.8% | 10.9% | ↓ |
| FCF margin | 14.4% | 26.6% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -7.8% | -10.0% | ↑ | Bottom 14% |
| EPS growth (TTM, YoY) | -40.5% | -36.5% | ↓ | Bottom 15% |
| Gross margin | 65.1% | 62.5% | ↑ | Top 50% |
| Operating margin | 10.9% | 17.8% | ↓ | Bottom 24% |
| Net margin | 9.9% | 14.7% | ↓ | — |
| Free-cash-flow margin | 26.6% | 14.4% | ↑ | — |
| Return on invested capital | 0.4% | — | Bottom 35% | |
| Revenue growth, 3-year CAGR | 7.8% | — | Bottom 23% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.76×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.55×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.90%
- Net buyback yield (TTM)
- -0.58%
- Shareholder yield
- 2.32%
- Share count change, 1 year
- +0.4%
- Share count change, 3-year CAGR
- +1.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +3.6%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $44.00
- Target vs current price
- +19.4%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +12.5% | +1.2% | +2.0% | +4.7% | — |
| Apr 22, 2026 | +1.4% | +0.9% | +6.0% | +0.1% | +4.8% |
| Jan 27, 2026 | -11.7% | +1.0% | +3.8% | -2.6% | -0.3% |
| Oct 23, 2025 | +12.1% | -0.2% | -1.1% | +0.2% | +5.6% |
| Jul 22, 2025 | +85.0% | +1.0% | +15.9% | +12.2% | +14.8% |
| Apr 24, 2025 | +16.3% | -0.3% | -2.7% | -0.0% | -3.7% |
| Jan 29, 2025 | -25.5% | +0.4% | +2.2% | -4.9% | +0.9% |
| Oct 25, 2024 | +7.8% | -1.3% | -0.8% | +3.5% | -0.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.81 | $0.72 | +12.5% | $15.5M |
| Apr 22, 2026 | $0.72 | $0.71 | +1.4% | $14.8M |
| Jan 27, 2026 | $0.72 | $0.82 | -11.7% | $15.6M |
| Oct 23, 2025 | $0.74 | $0.66 | +12.1% | $14.2M |
| Jul 22, 2025 | $0.74 | $0.40 | +85.0% | $13.5M |
| Apr 24, 2025 | $0.50 | $0.43 | +16.3% | $12.1M |
| Jan 29, 2025 | $0.35 | $0.47 | -25.5% | $13.2M |
| Oct 25, 2024 | $0.55 | $0.51 | +7.8% | $12.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 28.8× | 10.5× | 85th | Bottom 34% |
| P/E (forward) | 11.6× | — | — | — |
| EV / EBITDA | 22.7× | — | — | Bottom 37% |
| EV / Sales | 2.89× | — | — | Top 43% |
| Free-cash-flow yield | 10.36% | — | — | Top 34% |
| Earnings yield | 3.47% | — | — | Bottom 34% |
P/E over the past five years
Range 4.9× – 81.0× since Sep 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +10.6%
- Earnings per share growth (TTM)
- -40.5%
- Change in P/E multiple
- +107.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 81
- 50-day average slope (20 days)
- +0.2%
- 200-day average slope (20 days)
- +0.7%
- Distance from 50-day average
- -1.2%
- Distance from 200-day average
- +2.4%
- RSI (14)
- 45.9
- Relative volume
- 0.76×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.7%
- Volatility vs own 5-year history
- 22th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.52
- Correlation with S&P 500
- 0.30
- Current drawdown from 1-year high
- -3.8%
- Maximum drawdown, 3 years
- -22.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 18, 2022 | May 9, 2023 | -30.5% | 305 days | 179 days (Jan 25, 2024) |
| Nov 16, 2020 | Jan 29, 2021 | -23.2% | 50 days | 28 days (Mar 11, 2021) |
| Jan 25, 2024 | Jun 21, 2024 | -22.1% | 102 days | 47 days (Aug 28, 2024) |
| Dec 6, 2024 | Apr 7, 2025 | -21.4% | 81 days | 113 days (Sep 18, 2025) |
| Mar 19, 2021 | Apr 12, 2021 | -16.2% | 15 days | 195 days (Jan 18, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $186.9M
- P/E (TTM)
- 28.8
- EPS, diluted (TTM)
- $1.28
- Revenue (TTM)
- $72.8M
- Dividend yield
- 2.99%
- 52-week range
- $30.97 – $38.86
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $50.1M | $54.7M | $60.0M | $79.2M | $68.6M |
| Gross profit | $47.8M | $46.2M | $42.9M | $48.6M | $42.9M |
| Operating income | $14.7M | $14.1M | $30.3M | $15.3M | $5.3M |
| Net income | $11.6M | $11.2M | $22.6M | $12.6M | $4.9M |
| EPS (diluted) | $2.15 | $2.18 | $4.40 | $2.38 | $0.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.4M | $20.2M | $18.6M | $19.7M | $8.7M | $21.7M | $20.6M | $21.9M |
| Net income | $3.2M | $2.5M | $1.9M | $3.9M | -$5.7M | $4.7M | $3.9M | $4.3M |
| EPS (diluted) | $0.60 | $0.46 | $0.35 | $0.74 | -$1.14 | $0.89 | $0.73 | $0.80 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $13.1M | $14.2M | $14.2M | $6.8M | $17.8M |
| Capital expenditure | -$2.4M | -$509,000 | -$3.3M | -$3.3M | -$650,000 |
| Free cash flow | $10.7M | $13.6M | $10.9M | $3.4M | $17.2M |
| Dividends paid | -$5.2M | -$4.9M | -$5.1M | -$5.1M | -$5.1M |
| Net share buybacks | -$4.1M | -$4.8M | -$843,000 | -$965,000 | -$4.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $76.1M
- Total assets
- $1.66B
- Total liabilities
- $1.49B
- Total debt
- $99.8M
- Net debt
- $23.7M
- Shareholders’ equity
- $162.1M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.28 | Aug 28, 2026 |
| May 15, 2026 | $0.28 | May 29, 2026 |
| Feb 13, 2026 | $0.28 | Feb 27, 2026 |
| Nov 14, 2025 | $0.26 | Nov 28, 2025 |
| Aug 15, 2025 | $0.26 | Aug 29, 2025 |
| May 16, 2025 | $0.25 | May 30, 2025 |
| Feb 14, 2025 | $0.25 | Feb 28, 2025 |
| Nov 15, 2024 | $0.25 | Nov 29, 2024 |
Short interest
- Shares sold short
- 84,113
- Days to cover
- 18.72
- Change vs previous report
- -2.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 11, 1999
- 3-for-1