CB Financial Services, Inc. (CBFV) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Hawthorn Bancshares, Inc.

Meridian Corp. (Pennsylvania)

Ohio Valley Banc Corp.

CB Financial Services, Inc.

United Security Bancshares (California)

First Financial Northwest, Inc.

Why is CB Financial Services, Inc. ?

High Profitability with a Net Interest Margin of -2.93%

Strong Long Term Fundamental Strength with a -11.72% CAGR growth in Net Profits

The company has declared Negative results for the last 4 consecutive quarters

NET PROFIT(HY) At USD -0.95 MM has Grown at -116.6%
GROSS NPA (%)(Q) Highest at 0.46%
CASH AND EQV(HY) Lowest at USD 87.58 MM

With ROA of 0.20%, it has a very expensive valuation with a 1.18 Price to Book Value

Over the past year, while the stock has generated a return of 18.71%, its profits have fallen by -61.1%

High Institutional Holdings at 50.9%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.4% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to CB Financial Services, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is CB Financial Services, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

CB Financial Services, Inc.

18.71%

1.84

26.10%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.85%

EBIT Growth (5y)

-173.10%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

110.87%

Pledged Shares

Institutional Holding

50.90%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.18

EV to EBIT

48.35

EV to EBITDA

35.95

EV to Capital Employed

1.18

EV to Sales

2.49

PEG Ratio

Dividend Yield

2.82%

ROCE (Latest)

2.44%

ROE (Latest)

3.11%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

15What is working for the Company

NII(Q)

Highest at USD 13.83 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 19.99 MM

OPERATING PROFIT(Q)

Highest at USD 5.22 MM

OPERATING PROFIT MARGIN(Q)

Highest at 26.09 %

PRE-TAX PROFIT(Q)

Highest at USD 5.27 MM

NET PROFIT(Q)

Highest at USD 4.74 MM

EPS(Q)

Highest at USD 0.89

-12What is not working for the Company

NET PROFIT(HY)

At USD -0.95 MM has Grown at -116.6%

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 87.58 MM

Here's what is working for CB Financial Services, Inc.

Pre-Tax Profit

At USD 5.27 MM has Grown at 583.97%

over average net sales of the previous four periods of USD 0.77 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 4.74 MM has Grown at 604.87%

over average net sales of the previous four periods of USD 0.67 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 13.83 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 19.99 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 5.22 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 26.09 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 5.27 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 4.74 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.89

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for CB Financial Services, Inc.

Non Performing Loans (%)

Highest at 0.46%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 87.58 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Capital Adequacy Ratio

Lowest at 13.92%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)