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Upturn AI SWOT - About
CBFV 
CB Financial Services Inc (CBFV)
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Upturn Advisory Summary
04/01/2025: CBFV (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -1.38% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 145.70M USD | Price to earnings Ratio 11.95 | 1Y Target Price 30.67 |
Price to earnings Ratio 11.95 | 1Y Target Price 30.67 | ||
Volume (30-day avg) 18582 | Beta 0.65 | 52 Weeks Range 20.19 - 33.45 | Updated Date 03/31/2025 |
52 Weeks Range 20.19 - 33.45 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 3.47% | Basic EPS (TTM) 2.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.17% | Operating Margin (TTM) 20.99% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 8.77% |
Valuation
Trailing PE 11.95 | Forward PE 12.99 | Enterprise Value 133692496 | Price to Sales(TTM) 2.91 |
Enterprise Value 133692496 | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 3.7 | Enterprise Value to EBITDA - | Shares Outstanding 5121110 | Shares Floating 4665636 |
Shares Outstanding 5121110 | Shares Floating 4665636 | ||
Percent Insiders 10.06 | Percent Institutions 42.45 |
Analyst Ratings
Rating 3 | Target Price 30.33 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
CB Financial Services Inc
Company Overview
History and Background
CB Financial Services, Inc. was founded in 2006, but its roots extend to the founding of its primary subsidiary, Community Bank, in 1901. The company serves as the bank holding company for Community Bank, a Pennsylvania-chartered bank providing financial services to individuals and businesses.
Core Business Areas
- Community Banking: Offers a range of commercial and retail banking services, including deposit accounts, loans, and other financial products. Focuses on serving the needs of local communities and businesses.
Leadership and Structure
Barron P. McCool is the Chairman, President and Chief Executive Officer. The organizational structure reflects a traditional bank holding company model, with Community Bank operating as the core subsidiary.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data is not publicly available. Competitors include larger regional and national banks such as PNC Financial Services and Citizens Financial Group.
- Residential Mortgages: Offer mortgage products for home purchases and refinancing. Market share data is not publicly available. Competitors include Rocket Mortgage and Wells Fargo.
- Deposit Accounts: Offer checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include Chase and Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies.
Positioning
CB Financial Services Inc is a community bank focused on providing personalized service and local market expertise. Its competitive advantage lies in its long-standing relationships with customers and its deep understanding of the local economy.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, encompassing all individuals and businesses seeking local banking relationships. CB Financial Services Inc is positioned to capture a share of this market through its focus on customer service and community engagement. Exact TAM estimate hard to quantify due to fragmentation.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking products
- Smaller scale compared to larger competitors
- Less technological investment compared to competitors
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for local banking services
- Strategic acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- FCNCA
- WSFS
Competitive Landscape
CB Financial Services Inc faces significant competition from larger regional and national banks with greater resources and broader product offerings. Its advantage lies in its local market expertise and customer relationships. CBFV has a small fraction of market share as shown above.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is readily available but requires to be researched by the user.
Future Projections: Future projections requires real-time analyst reports and should be verified with sources of financial data
Recent Initiatives: Review recent company announcements and press releases for information on strategic initiatives. No specific recent initiatives can be mentioned without a live data feed.
Summary
CB Financial Services Inc. is a small community bank with a long history in its local markets. Its strength lies in its customer relationships and understanding of the local economy. However, it faces challenges from larger competitors and the need to invest in technology. Future success depends on its ability to adapt to a changing banking landscape and expand its reach while maintaining its commitment to local service.
Similar Companies
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market share estimates are approximate and may not reflect precise figures.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CB Financial Services Inc
Exchange NASDAQ | Headquaters Carmichaels, PA, United States | ||
IPO Launch date 2001-06-06 | President, CEO & Director Mr. John H. Montgomery | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 159 | Website https://www.cb.bank |
Full time employees 159 | Website https://www.cb.bank | ||
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. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.
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