CB Financial Services Inc. Common Stock (CBFV)

FairStock Score: 43/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks with consistent earnings, conservative credit, and returns on equity that justify the premium to book. CB Financial is a 169-employee community bank holding company with a $190.6M market cap. The filed record is troubling: net income fell from $22.6M in fiscal year 2023, ended 2023-12-31, to $12.6M in fiscal year 2024, ended 2024-12-31, to $4.9M in fiscal year 2025, ended 2025-12-31. Fiscal Q3 2025, the quarter ended 2025-09-30, produced a $5.7M loss and diluted EPS of -$1.07. The latest fiscal Q2 2026, the quarter ended 2026-06-30, showed net income of $4.3M and diluted EPS of $0.80, up from $3.9M and $0.74 in fiscal Q2 2025, the quarter ended 2025-06-30. That is a positive turn, but one quarter does not undo a four-year profit decline; the given Lynch category is SLOW GROWER — Shrinking, with profit change of -19.3% a year over four years. FairStock computes ROE of 4.65% and a 43/100 score. At the 2026-10-13 close of $37.51, FairStock shows a P/E of 29.08, P/B of 1.18, PEG of 3.26, and dividend yield of 2.93%. A low beta of 0.28 and a near-book valuation offer some comfort, but the P/E and PEG look full for a bank with weak returns. The competitive moat, if any, rests on local deposits and lending relationships; no CET1, net interest margin, nonperforming loan, reserve, or combined ratio figures are in the data, so I cannot assess credit or capital quality. I would need evidence of sustainable ROE and clean underwriting before getting excited.

In plain English: CB Financial Services is the parent of Community Bank, a small regional bank that takes deposits and makes loans to people and businesses. Its profits have weakened over recent years, including a loss in one recent quarter, and annual earnings are much lower than a few years ago. The shares look expensive compared with those earnings, though they are not priced far above the bank's accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer