Financials CB Financial Services, Inc.

Equities

CBFV

US12479G1013

Banks

Delayed Nasdaq 09:46:51 2024-04-30 am EDT 5-day change 1st Jan Change
22.26 USD -0.08% Intraday chart for CB Financial Services, Inc. +3.45% -6.50%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 163.8 108 127.2 109.1 121.9 114.6 -
Enterprise Value (EV) 1 163.8 108 127.2 109.1 121.9 114.6 114.6
P/E ratio 11.5 x -10.2 x 11.2 x 9.83 x 5.41 x 10.1 x 9.76 x
Yield 3.19% 4.8% 3.99% 4.48% 4.2% 4.55% 4.67%
Capitalization / Revenue 3.11 x 2.1 x 2.25 x 2.06 x 1.77 x 2.29 x 2.17 x
EV / Revenue 3.11 x 2.1 x 2.25 x 2.06 x 1.77 x 2.29 x 2.17 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.09 x 0.81 x 0.95 x 0.99 x 0.87 x 0.77 x 0.72 x
Nbr of stocks (in thousands) 5,433 5,398 5,283 5,092 5,121 5,143 -
Reference price 2 30.14 20.01 24.07 21.43 23.81 22.28 22.28
Announcement Date 1/31/20 1/28/21 1/28/22 1/26/23 1/31/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 52.61 51.35 56.6 52.89 68.72 50.07 52.72
EBITDA - - - - - - -
EBIT 1 16.78 14.4 - - 29.94 17.4 18.7
Operating Margin 31.9% 28.05% - - 43.57% 34.75% 35.47%
Earnings before Tax (EBT) 1 16.06 -9.392 14.7 14.08 30.28 14.48 14.97
Net income 1 14.33 -10.64 11.57 11.25 22.55 11.38 11.72
Net margin 27.23% -20.72% 20.44% 21.27% 32.81% 22.72% 22.23%
EPS 2 2.630 -1.970 2.150 2.180 4.400 2.217 2.283
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.9600 0.9600 0.9600 0.9600 1.000 1.013 1.040
Announcement Date 1/31/20 1/28/21 1/28/22 1/26/23 1/31/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 12.18 18.96 12.55 12.3 13.78 14.26 14.42 13.42 13.17 27.7 12.25 12.43 12.64 12.75 12.64
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - - 3.905 4.091 4.565 - - 3.818 3.685 16.93 4.3 4.3 4.4 4.4 4.5
Operating Margin - - 31.13% 33.25% 33.12% - - 28.44% 27.98% 61.14% 35.11% 34.58% 34.8% 34.52% 35.61%
Earnings before Tax (EBT) 1 2.435 8.873 3.85 0.074 4.927 5.228 5.285 3.456 3.236 18.31 3.59 3.492 3.648 3.721 3.457
Net income 1 1.983 6.965 3.047 0.118 3.929 4.152 4.156 2.757 2.672 12.97 2.829 2.736 2.854 2.925 2.73
Net margin 16.28% 36.73% 24.29% 0.96% 28.5% 29.13% 28.81% 20.54% 20.29% 46.81% 23.1% 22% 22.57% 22.95% 21.6%
EPS 2 0.3700 1.310 0.5800 0.0200 0.7700 0.8100 0.7900 0.5400 0.5200 2.520 0.5500 0.5367 0.5567 0.5700 0.5300
Dividend per Share 2 0.2400 0.2400 0.2400 0.2400 0.2400 0.2400 0.2500 0.2500 0.2500 0.2400 0.2533 0.2533 0.2533 0.2533 0.2600
Announcement Date 10/28/21 1/28/22 4/28/22 7/28/22 10/27/22 1/26/23 4/28/23 7/28/23 10/27/23 1/31/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.89% 5.94% 7.87% 9.39% 19.4% 7.88% 7.66%
ROA (Net income/ Total Assets) 1.09% 0.64% 0.72% 0.78% 1.6% 0.75% 0.75%
Assets 1 1,314 -1,662 1,607 1,442 1,409 1,517 1,556
Book Value Per Share 2 27.70 24.80 25.30 21.60 27.30 29.00 30.80
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/31/20 1/28/21 1/28/22 1/26/23 1/31/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings
Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
3
Last Close Price
22.28 USD
Average target price
25 USD
Spread / Average Target
+12.21%
Consensus
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