CBFV · NASDAQ · Banks - Regional

CB Financial Services (CBFV)

Offers lending and deposits across Pennsylvania and West Virginia.

$37.28
At close+0.18 (+0.49%)
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CB Financial Services, Inc.CBFVFinancials

Operating through Community Bank, it offers deposits and commercial, real-estate and consumer loans. The single-segment franchise spans southwestern Pennsylvania and the Northern Panhandle of West Virginia.

Community Bank offers deposits alongside commercial and residential real-estate, commercial-and-industrial and consumer loans. Wealth management is provided through an affiliation with the Bishop Group of Janney Montgomery Scott.

Operations are concentrated in southwestern Pennsylvania and the Northern Panhandle of West Virginia. The bank's full-service community banking business reports one segment and is conducted through a Pennsylvania-chartered commercial-bank subsidiary.

An unauthorized AI-based application handled certain non-public customer information; the company said bank operations, account access, payment systems and core IT infrastructure were not disrupted. A related investigation and customer and regulatory notification process remained ongoing.

Company facts

CEOJohn H. Montgomery
ListedOct 7, 2003
ExchangeNASDAQ
HeadquartersCarmichaels, PA
CountryUnited States
Employees161
CIK0001605301
ISINUS12479G1013

Market cap$189.1M
EPS (ttm)$1.28
P/E (ttm)29.12
ROE4.6%
P/B1.17
P/S2.60
Dividend yieldDiv yield2.95%
Beta0.14vs XLF 0.43

Price target$44.00+18.1%Avg of 3 analysts
ConsensusBuy2 of 3 analysts
Ratings

Target rangeAs of Sep 2, 2026

Latest analyst notes

DateFirmActionPrior ratingRatingTarget
Jul 30, 2026DA DavidsonReiterateBuy$44
Jul 24, 2025Keefe, Bruyette & WoodsUpgradeMarket PerformOutperform

Next report
Oct 22, 2026
estimated · in 49 days
EPS estimate
$0.83
Revenue estimate
$16.3M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Mar '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26Oct '26
Reported$0.46$0.50$0.74$0.74$0.72$0.72$0.81Pending
Estimate$0.43$0.40$0.66$0.82$0.71$0.72$0.83
Surprise+16.3%+85.0%+12.1%−11.7%+1.4%+12.5%

RevenueReportedEstimate

Mar '25Apr '25Jul '25Oct '25Jan '26Apr '26Jul '26Oct '26
Reported$20.2M$12.1M$13.5M$8.7M$15.6M$14.8M$15.5MPending
Estimate$12.7M$14.0M$15.0M$15.0M$15.0M$15.4M$16.3M
Surprise−4.7%−3.5%−42.3%+3.7%−1.2%+0.7%
Estimate$0.83
ReportedDue Oct 22, 2026
Estimate$16.3M
ReportedDue Oct 22, 2026
View details

Debt to equity61.60%
Current ratio117.10%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$20.4M$20.2M$18.6M$19.7M$8.7M$21.7M$20.6M$21.9M
Net income$3.2M$2.5M$1.9M$3.9M−$5.7M$4.7M$3.9M$4.3M
Net margin15.8%12.5%10.2%20.1%0.0%21.9%18.8%19.7%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$4.0M$3.1M$2.3M$4.7M−$7.0M$5.3M$4.6M$5.1M
YoY growth+22.6%−83.3%−54.3%+46.9%−277.0%+72.7%+96.1%+8.1%

Balance sheet, Jun 30, 2026Cash & short-term investments $76.1M · Total debt $99.8M · Total assets $1.66B · Shareholders' equity $162.1M

Revenue
$21.9M
Operating income
$5.1M
Net income
$4.3M
View details

Next ex-date
Nov 14, 2026
estimated · in 72 days
Annual dividend
$1.10
per share
Dividend yield
2.95%
Schedule
Quarterly
4 payments a year

Raised for 31 straight years — most recently to $0.28 from $0.26 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Aug 14, 2026Aug 14Aug 28$0.28
May 15, 2026May 15May 29$0.28
Feb 13, 2026Feb 13Feb 27$0.28raised from $0.26
Nov 14, 2025Nov 14Nov 28$0.26
Aug 15, 2025Aug 15Aug 29$0.26raised from $0.25
May 16, 2025May 16May 30$0.25
Feb 14, 2025Feb 14Feb 28$0.25
Nov 15, 2024Nov 15Nov 29$0.25
View details

Institutions78 holders · as of Mar 31, 202643.92%2.23M shares
Insiders13 holders · as of Aug 17, 20266.67%338.2K shares
Otherremainder49.41%2.51M shares

5.07M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesEvidence
Janney Montgomery Scott LLCInstitution
6.02%305,36113Fas of Mar 31, 2026
AllianceBernstein L.P.Institution
5.00%253,88313Fas of Mar 31, 2026
BlackRock, Inc.Institution
4.99%253,19513Fas of Mar 31, 2026
Vanguard Capital Management LLCInstitution
3.83%194,21513Fas of Mar 31, 2026
M3F, Inc.Institution
3.38%171,43913Fas of Mar 31, 2026
See all 25

13F — a manager's quarterly holdings

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 14, 2026Stephen Cobainofficer: Chief Credit Officer−1,500$37.10
Aug 14, 2026John Swiatekdirector−1,000$37.06
Mar 5, 2026Stephen Cobainofficer: Chief Credit Officer−1,792$34.58
Feb 23, 2026Stephen Cobainofficer: Chief Credit Officer−140$33.79
Feb 23, 2026Amanda L. Englesofficer: EVP and CFO−54$33.79
View details

  • F.N.B.

    Regional bank with PA/WV coverage and broad commercial and consumer banking

  • WesBanco

    Wheeling-based regional bank across West Virginia and western Pennsylvania

  • First Commonwealth Financial

    Western PA community-bank network with Pittsburgh lending and mortgage offices

  • Peoples Bancorp

    West Virginia community-bank network with business lending and treasury services

Compare

CompanyPriceChange
CB Financial Services$37.28+0.49%$189.1M29.111.32.6+15.1%
F.N.B.$18.25−0.21%$6.51B10.910.32.4+5.6%
WesBanco$40.25−0.59%$3.88B11.411.12.6+6.3%
First Commonwealth Financial$21.19+0.86%$2.13B12.911.33.4+6.5%
Peoples Bancorp$39.26−0.56%$1.42B11.910.62.4+9.4%
Median11.710.92.5+6.4%