📊 CBFV Key Takeaways
Investment Thesis
CB Financial Services shows deteriorating profitability despite strong revenue growth, with net income declining 61.1% YoY while maintaining razor-thin margins. The company exhibits concerning financial health metrics including critically low ROA of 0.3%, weak interest coverage of 0.8x, and ROE of only 3.1%, indicating poor capital efficiency and potential stress in the banking operations.
CBFV Strengths
- Strong revenue growth of 49.6% YoY demonstrates market expansion
- Positive free cash flow of $17.2M with healthy 22.6% FCF margin provides liquidity
- Debt-free balance sheet with 0.00x debt-to-equity ratio reduces financial risk
CBFV Risks
- Severe profitability deterioration with net income down 61.1% YoY signals operational challenges
- Interest coverage ratio of 0.8x below 1.0x indicates inability to cover interest obligations from operating income
- Extremely weak returns with ROE of 3.1% and ROA of 0.3% suggest fundamental inefficiency in asset deployment and shareholder value creation
- Net margin of 6.5% is thin for banking sector; operating margin compression despite revenue growth indicates margin pressure
Key Metrics to Watch
- Net income trend and net margin recovery trajectory
- Interest coverage ratio sustainability and loan quality metrics
- ROA and ROE improvement to acceptable banking sector benchmarks
- Cost-to-income ratio to assess operational efficiency
CBFV Financial Metrics
💡 AI Analyst Insight
The 22.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CBFV Profitability Ratios
CBFV vs Finance Sector
How CB Financial Services, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CBFV Balance Sheet & Liquidity
CBFV 5-Year Financial Trend
5-Year Trend Summary: CB Financial Services, Inc.'s revenue has remained relatively flat over the 5-year period, with a 7% decline. The most recent EPS of $2.38 reflects profitable operations.
CBFV Growth Metrics (YoY)
CBFV Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2021 | $10.8M | -$223.0K | $-0.04 |
| Q1 2021 | $11.0M | $429.0K | $0.14 |
| Q3 2020 | $11.7M | $3.7M | $0.69 |
| Q2 2020 | $11.7M | $2.1M | $0.54 |
| Q1 2020 | $12.3M | $773.0K | $0.14 |
| Q3 2019 | $11.8M | $970.0K | $0.42 |
| Q2 2019 | $10.7M | $839.0K | $0.19 |
| Q1 2019 | $8.7M | -$61.0K | $0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CBFV Capital Allocation
CBFV SEC Filings
Access official SEC EDGAR filings for CB Financial Services, Inc. (CIK: 0001605301)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CBFV
What is the AI rating for CBFV?
CB Financial Services, Inc. (CBFV) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBFV's key strengths?
Strong revenue growth of 49.6% YoY demonstrates market expansion. Positive free cash flow of $17.2M with healthy 22.6% FCF margin provides liquidity.
What are the risks of investing in CBFV?
Severe profitability deterioration with net income down 61.1% YoY signals operational challenges. Interest coverage ratio of 0.8x below 1.0x indicates inability to cover interest obligations from operating income.
What is CBFV's revenue and growth?
CB Financial Services, Inc. reported revenue of $75.9M.
Does CBFV pay dividends?
CB Financial Services, Inc. pays dividends, with $5.1M distributed to shareholders in the trailing twelve months.
Where can I find CBFV SEC filings?
Official SEC filings for CB Financial Services, Inc. (CIK: 0001605301) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CBFV's EPS?
CB Financial Services, Inc. has a diluted EPS of $0.92.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.