Obermatt

CB Financial Services

NMQ:CBFV · US12479G1013
BanksX-Small

360

32
Profit price3
Cash yield85
Price/Sales78
EV / Gross Profit22
Price/Book66
Returns on capital27
Profit margins
Cash Conversion91
Accruals17
Owner Earnings Margin25
Sales growth62
Profit Growth9
Owner Earnings Growth13
Reinvestment67
Price momentum18
Debt load56
Debt serviceability19
Liquidity74
Analyst ratings61
Opinion Changes50
Price Target Upside40
Market mood49
Value Creation7/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

CB Financial Services clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded2005
ISINUS12479G1013
Last UpdateApr 2, 2026

Description

CB Financial Services, Inc. operates as a bank holding company for Community Bank (the ‘bank’) that provides various commercial banking services. The company operates nine offices in Greene, Allegheny, Washington, Fayette, and Westmoreland Counties…

Analysis

Weak and unloved

CB Financial Services, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is fair. You pay 23.9× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is moderate and the balance sheet is sturdy. The company scores 7/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
59
2023202420252026

All-time high

59

Jun 2026

All-time low

27

Jan 2025

Average rank

46

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
78
62
78
95
Price/Earnings
44
9
37
45
Price/Book
66
62
62
89
Dividend Yield
85
63
80
95
Value (overall)
81
49
76
95

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →