CB Financial Services

CBFV

Banks - Regional · Financial Services

Price

$36.36

-0.44 (-1.20%)

Market Cap

$184.4M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−1.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 5.4M (2021) → 5.3M (2025)

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 install

Winston Score History

Score breakdown

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Quality

Gross Margin

70.8%

Premium pricing power — 70.8% gross margin

Operating Margin

22.2%

Excellent — 22.2% operating margin

ROCE

2.4%

Weak — 2.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-10.0%

Shrinking sales (-10.0% YoY)

EPS YoY

-31.8%

Earnings shrinking (-31.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

243%

Turns 243% of profit into real cash

FCF Margin

22.8%

Converts sales into free cash efficiently (22.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.22

Conservative — low debt load (0.22)

Interest Cover

0.31x

Dangerous — barely covers interest (0.3x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

26.5x

Growth-priced — P/E 26.5

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+13.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (26.5 → 12.8)

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Dividends

Dividend Yield

2.83%

Moderate income — 2.83% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+8.0%

Dividend growing modestly (8.0% YoY)

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