CBFV:NSD-CB Financial Services, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 19.82

Change

0.00 (0.00)%

Market Cap

USD 0.11B

Volume

5.90K

Average Target Price

USD 20.00 (+0.91%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts. Its loan products comprise residential real estate loans, such as one-to four-family mortgage loans, multifamily mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; 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, the company provides sweep and insured money sweep, remote electronic deposit, online banking with bill pay, mobile banking, and automated clearing house services; and conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. As of December 31, 2019, it operated its main office and 23 branches in Greene, Allegheny, Washington, Fayette, and Westmoreland counties in southwestern Pennsylvania; Brooke, Marshall, Ohio, Upshur, and Wetzel counties in West Virginia; and Belmont County in Ohio. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-16 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

N/A

USD28.12B 36.29 N/A
SIVB SVB Financial Group

N/A

USD23.92B 22.49 N/A
FITB Fifth Third Bancorp

N/A

USD22.70B 15.91 N/A
FITBI Fifth Third Bancorp

N/A

USD20.13B 14.37 N/A
HBAN Huntington Bancshares Incorpor..

N/A

USD15.09B 20.76 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.19B 35.71 N/A
SBNY Signature Bank

N/A

USD8.27B 16.24 N/A
CBSH Commerce Bancshares, Inc

N/A

USD8.26B 26.25 N/A
ZION Zions Bancorporation, National..

N/A

USD8.06B 20.78 N/A
PBCTP People's United Financial, Inc

N/A

USD6.61B 23.64 N/A

ETFs Containing CBFV

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -0.95% 11% F 18% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -0.95% 11% F 18% F
Trailing 12 Months  
Capital Gain -34.37% 1% F 9% F
Dividend Return 3.18% 72% C- 70% C-
Total Return -31.19% 2% F 10% F
Trailing 5 Years  
Capital Gain -5.57% 10% F 25% F
Dividend Return 21.77% 79% C+ 75% C
Total Return 16.20% 18% F 31% F
Average Annual (5 Year Horizon)  
Capital Gain 1.98% 56% F 46% F
Dividend Return 3.50% 88% B+ 80% B-
Total Return 5.48% 64% D 51% F
Risk Return Profile  
Volatility (Standard Deviation) 22.99% 49% F 62% D-
Risk Adjusted Return 23.84% 63% D 50% F
Market Capitalization 0.11B 14% F 24% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 9.18 90% A- 78% C+
Price/Book Ratio 0.79 90% A- 92% A-
Price / Cash Flow Ratio 5.99 84% B 48% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -6.43% 3% F 45% F
Return on Invested Capital 7.97% 60% D- 72% C-
Return on Assets -0.67% 3% F 43% F
Debt to Equity Ratio 9.27% 76% C 76% C
Technical Ratios  
Short Ratio 4.35 46% F 32% F
Short Percent 0.82% 73% C 83% B
Beta 0.82 60% D- 72% C-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.