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

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 21.23

Change

+0.13 (+0.62)%

Market Cap

USD 0.11B

Volume

0.01M

Average Target Price

USD 20.00 (-5.79%)
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 in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its 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, 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 conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. It operates through its main office and twenty-one branch offices 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, as well as two loan production offices in Fayette and Allegheny County. 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: 2021-04-22 )

Largest Industry Peers for Banks-Regional

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

-0.17 (-0.65%)

USD28.37B 37.72 N/A
SIVB SVB Financial Group

-9.01 (-1.71%)

USD27.40B 22.20 N/A
FITB Fifth Third Bancorp

-0.50 (-1.34%)

USD25.90B 13.24 N/A
FITBI Fifth Third Bancorp

-0.02 (-0.07%)

USD19.92B 10.35 N/A
HBAN Huntington Bancshares Incorpor..

-1.04 (-6.71%)

USD15.85B 22.46 N/A
SBNY Signature Bank

+1.62 (+0.68%)

USD13.79B 24.02 N/A
HBANO Huntington Bancshares Incorpor..

+0.01 (+0.04%)

USD13.19B 36.81 N/A
CBSH Commerce Bancshares, Inc

-1.27 (-1.67%)

USD8.92B 21.13 N/A
ZION Zions Bancorporation, National..

-1.10 (-2.04%)

USD8.57B 10.64 N/A
FCNCA First Citizens BancShares, Inc

-7.87 (-0.92%)

USD8.26B 17.92 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 6.10% 19% F 48% F
Dividend Return 1.20% 76% C 71% C-
Total Return 7.30% 20% F 50% F
Trailing 12 Months  
Capital Gain 11.62% 6% F 22% F
Dividend Return 5.05% 73% C 72% C-
Total Return 16.67% 6% F 24% F
Trailing 5 Years  
Capital Gain 1.10% 12% F 30% F
Dividend Return 21.86% 85% B 81% B-
Total Return 22.95% 16% F 36% F
Average Annual (5 Year Horizon)  
Capital Gain -1.01% 37% F 27% F
Dividend Return 3.49% 87% B+ 79% C+
Total Return 2.47% 48% F 35% F
Risk Return Profile  
Volatility (Standard Deviation) 22.29% 63% D 71% C-
Risk Adjusted Return 11.10% 46% F 34% F
Market Capitalization 0.11B 14% F 23% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 89% B+ 77% C+
Price/Book Ratio 0.85 93% A 94% A
Price / Cash Flow Ratio 8.15 71% C- 43% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -7.45% 2% F 45% F
Return on Invested Capital -0.71% 26% F 48% F
Return on Assets -0.78% 2% F 43% F
Debt to Equity Ratio 4.46% 93% A 81% B-
Technical Ratios  
Short Ratio 3.47 43% F 33% F
Short Percent 1.14% 65% D 79% C+
Beta 0.84 63% D 71% 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.

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.

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.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Low Earnings Growth

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

Low Revenue Growth

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