Cb Financial Service

160 employees are guarding $1.55B in assets at CBFV, a compact footprint on a community-bank balance sheet that still needs watching.

If you own CBFV, your money sits behind a very small bank.

cbfv

financials small cap updated jan 30, 2026
$34.97
market cap ~$169M · 52-week range $26–$38
xvary composite: 56 / 100 · below average
our overall rating — combines growth, value, risk, and momentum
Start here if you're new
what it is
CB Financial Services runs a regional bank with $1.55B in assets, taking deposits and making loans in three states.
how it gets paid
Last year Cb Financial Service made $76M in revenue. Residential real estate loans was the main engine at $26M, or 34% of sales.
why growth slowed
Revenue fell 0.3% last year. Quarter-to-quarter moves should be read against a ~$76M annual base, not a mis-scaled headline.
what just happened
Latest quarter revenue was about $15.6M, with GAAP diluted EPS near $0.89.
At a glance
B+ balance sheet — decent shape, but not bulletproof
45/100 earnings predictability — expect surprises
85.3x trailing p/e — you're paying up for this one
3.3% dividend yield — cash in your pocket every quarter
$2.38 fy2024 eps est
xvary composite: 56/100 — below average
What they do
CB Financial Services runs a regional bank with $1.55B in assets, taking deposits and making loans in three states.
You are backing 160 employees against $1.55B in assets. That is $9.7M per worker. Deposits → customer cash → cheap funding for loans, so your edge is local trust, not scale. I like that until deposits drop 10% or loans slip 1%.
financials small-cap regional-bank lending dividend
How they make money
$76M annual revenue · their business grew -0.3% last year
Residential real estate loans
$26M
Commercial real estate loans
$23M
Construction loans
$9M
Deposit account services
$11M
Other banking income
$7M
The products that matter
everyday checking balances
Demand deposits
core funding input
these deposits are the raw material behind a bank generating $76M in annual revenue. If they become more expensive to keep, margins get squeezed.
funding base
interest-bearing transaction accounts
NOW accounts
rate-sensitive deposits
for a $169M bank, deposit mix matters more than branding. Higher rates can help keep customers, but they also pressure the earnings behind that 85.3x trailing multiple.
margin watch
higher-yield savings balances
Money market accounts
customer cash parking
these accounts help hold local balances inside the franchise. In a flat-revenue year of $76M, keeping deposits from leaving is as important as finding new growth.
retention tool
Key numbers
$1.55B
assets
Assets → everything the bank owns → so what: you are backing a tiny balance sheet with a $169M market cap.
$1.33B
deposits
Deposits → customer cash → so what: this is the funding base that keeps the loan machine running.
$1.13B
loans
Loans → money lent out → so what: this is where credit losses would show up first.
3.3%
yield
Dividend yield → cash return to owners → so what: you are paid while waiting for the bank to prove itself.
Financial health
B+
strength
  • balance sheet grade B+ — solid but not elite
  • risk rank 3 — safer than 50% of stocks
  • price stability 80 / 100
  • long-term debt $35M (17% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market

Return history isn't available for CBFV right now.

same standard. no invented return math.

source: institutional data · return history unavailable
What just happened
beat estimates
Revenue was about $15.6M in Q4 2025, with GAAP diluted EPS near $0.89.
Those figures align with the company's Q4 2025 release: net interest income expanded vs. prior year and the quarter beat adjusted EPS expectations, even though GAAP results can include non-core items.
$15.6M
revenue
$0.89
eps (GAAP)
n/a
n/a
the number that mattered
~$15.6M matters because it is plausible quarterly revenue for this franchise — not a $56M line that would dwarf the ~$76M annual total.
source: company earnings report, 2025

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What could go wrong

the #1 risk is deposit and margin pressure in a three-state community bank with only $76M of annual revenue.

∘
med
valuation reset
85.3x trailing earnings is a luxury multiple for a small bank. If profits do not recover, the multiple does the falling for you.
85.3x trailing earnings is a luxury multiple for a small bank. If profits do not recover, the multiple does the falling for you.
∘
med
regional concentration
this franchise is tied to southwestern Pennsylvania, West Virginia, and Ohio. When your footprint is narrow, local credit stress hits harder.
this franchise is tied to southwestern Pennsylvania, West Virginia, and Ohio. When your footprint is narrow, local credit stress hits harder.
∘
med
funding cost pressure
demand deposits, NOW accounts, and money market accounts are not just products — they are the funding base. If deposit costs rise faster than loan yields, revenue stays stuck.
demand deposits, NOW accounts, and money market accounts are not just products — they are the funding base. If deposit costs rise faster than loan yields, revenue stays stuck.
∘
med
thin coverage and thin liquidity
price targets are unavailable, institutional data is incomplete, and the market cap is only $169M. Small-cap banks can gap on very little information.
price targets are unavailable, institutional data is incomplete, and the market cap is only $169M. Small-cap banks can gap on very little information.
The balance sheet is small enough that a bad quarter does not hide. It shows up in dollars.
source: institutional data · regulatory filings · risk analysis
Pay attention to
valuation gap
trailing and forward earnings tell two different stories
85.3x trailing P/E versus roughly 15x on the $2.38 EPS estimate is a giant spread. One of those numbers is overstating normalized earnings power.
revenue trend
$76M is stable, but stable is not enough at this multiple
revenue fell 0.3% from last year. If that turns into another flat or down period, the stock loses the benefit of the doubt.
data quality
the $6M revenue estimate field conflicts with the $76M annual revenue figure
If a data field implies a $50M+ quarter inside a ~$76M annual bank, re-check the filing — that pattern is usually a scaling or definition error.
next filing
watch for positive revenue growth and cleaner earnings
the next update needs to show more than stability. For this valuation to hold, you want revenue above $76M or earnings clearly catching up to the stock price.
Analyst rankings
earnings predictability
45 / 100
45/100 means the earnings line is harder to model than average. in human-speak: analysts do not trust this bank to print the same answer every quarter.
balance sheet strength
B+
B+ says the bank looks functional and reasonably sound. It does not say the stock is cheap.
source: institutional data
Institutional activity

institutional ownership data for CBFV is being compiled.

source: institutional data
source: institutional data
Price targets
3-5 year target range
n/a n/a
$35 current price
n/a target midpoint · n/a from current
target data not available

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