What is CB Financial Services, Inc.'s (CBFV) StockRank?

MoatMap's StockRank for CB Financial Services, Inc. (CBFV) is 39/100, with a Hold signal. This is a composite score combining Quality (32), Value (30), and Momentum (68) factor ranks across MoatMap's 20,000+ stock universe.

Does CB Financial Services, Inc. have an economic moat?

CB Financial Services, Inc. (CBFV) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is CB Financial Services, Inc. a buy, hold, or sell?

MoatMap's current signal for CB Financial Services, Inc. (CBFV) is Hold, based on a StockRank of 39/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is CB Financial Services, Inc. in?

CB Financial Services, Inc. (CBFV) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CBFV

HOLDREMOVE

CB Financial Services, Inc. · Financial Services · United States · $182M · Avg Vol: $172K/d

StockRank

P/E (TTM)

28.9x

ROE

4.5%

D/E

—

Dividend %

2.8%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

CB Financial Services is a small regional bank lacking scale, technological moats, or any exposure to our high-conviction macro tailwinds.

COMPANY DESCRIPTION

CB Financial Services, Inc. is a bank holding company that operates Community Bank, offering a full range of retail and commercial banking services primarily in southwestern Pennsylvania and West Virginia. The company focuses on building strong community relationships and providing personalized service to individuals and local businesses. As a community bank, it emphasizes local market knowledge and responsive decision-making.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	50M	42M	49M	41M	-6.0%
EPS	2.15	2.19	4.41	2.45	—	4.5%
Shares	—	6M	6M	6M	6M	+2.2%
Debt	—	15M	35M	35M	35M	33.4%
Equity	—	110M	140M	147M	158M	12.7%
Op CF	—	14M	14M	7M	18M	8.0%
Inv CF	—	-28M	-55M	-36M	-83M	—
Fin CF	—	-2M	5M	11M	47M	—

PRICE (1M)+3.5%

SMA 50SMA 200

$37.00

RSI (14)

57.9

52W High

$37.95

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.4%*20.8

ROE

4.5%18.5

GP/Assets

2.9%33.8

Op. Margin

39.5%58.6

FCF/Assets

—N/A

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

28.9x13.8

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.2x44.0

P/S

4.2x37.5

Div Yield

2.8%46.6

Momentum

52W High %

97%80.7

RS 6M

-8%47.6

SMA 50/200

1.03x52.0

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+151%88.7

Q Growth

103%85.7

FUNDAMENTALS

Market Cap

$182M

P/E (Forward)

11.5x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CBFV are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CBFV	CB Financial Services, Inc.(you)	$182M	39	HOLD
FCAP	First Capital, Inc.	$207M	36	HOLD
RBKB	Rhinebeck Bancorp, Inc.	$175M	44	HOLD
SRBK	SR Bancorp, Inc.	$140M	40	HOLD
MRBK	Meridian Corporation	$212M	43	HOLD
ECBK	ECB Bancorp, Inc.	$160M	45	HOLD
INBK	First Internet Bancorp	$211M	34	SELL
WNEB	Western New England Bancorp, Inc.	$268M	41	HOLD
CFBK	CF Bankshares Inc.	$186M	48	HOLD
JMSB	John Marshall Bancorp, Inc.	$301M	39	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

CB Financial Services, Inc. (CBFV) — Stock Score Summary

CB Financial Services, Inc. (CBFV) has a MoatMap StockRank of 39/100 based on Quality (32/100), Value (30/100), and Momentum (68/100) factor scores. The current signal is HOLD. CB Financial Services is a small regional bank lacking scale, technological moats, or any exposure to our high-conviction macro tailwinds.

Key Financial Metrics

Price	$37.00
Market Cap	$182M
P/E (TTM)	28.86
P/E (Forward)	11.50
Price/Book	1.20
Return on Equity	4.5%
Gross Margin	0.0%
Operating Margin	39.5%
Revenue Growth	20.2%
Dividend Yield	2.8%

CB Financial Services, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is CB Financial Services, Inc.’s (CBFV) StockRank?: MoatMap’s StockRank for CB Financial Services, Inc. (CBFV) is 39/100, with a Hold signal. It is a composite of Quality (32), Value (30), and Momentum (68) factor ranks across MoatMap’s 20,000+ stock universe.
Does CB Financial Services, Inc. have an economic moat?: CB Financial Services, Inc. (CBFV) has a Quality factor score of 32/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is CB Financial Services, Inc. a buy, hold, or sell?: MoatMap’s current signal for CB Financial Services, Inc. (CBFV) is Hold, based on a StockRank of 39/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is CB Financial Services, Inc. in?: CB Financial Services, Inc. (CBFV) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).