CBFV · CB Financial Services, Inc.
$37.62
-0.09 (-0.24%)
At close · Aug 20
Market Cap
$189.24M
Shares
5.08M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$37.62
Open$37.70
Day$37.43–37.70
52W close$31.62–38.31
Avg vol 30d5K
Short int86K · 1.7% float · 14.4d
Short vol23%
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
+1%
above
RSI (14)
54
neutral
MACD trend
Positive
52-week position
90%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+5%
trailing
6-month return
+8%
trailing
YTD return
+8%
this year
Relative strength
−3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $37 › 200d $35 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +7 funds added
Insider flow
Distributing
Net -$92.7K over 90 days · 100% sells
Short interest
Rising
1.69% of float · ▲ +9.8% MoM · 14.4 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
80 holders — near 3-yr high, broad support
Squeeze score
66
elevated · 0–100
Fundamentals
Revenue growth
−8%
Y/Y
EPS growth
−61%
Y/Y
Free cash flow
$17.2M
Valuation
P/E 27.4
rich
Buyback
$5.0M
authorized
Balance sheet
$31.7M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−11%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Oct 23, 2025
Earnings per share
· annual
$0.40
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
54
Neutral
MACD trend
Positive
Bullish
52-week position
90%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $37 › 200d $35 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +7 funds added
Insider flow
Distributing
Net -$92.7K over 90 days · 100% sells
Short interest
Rising
1.69% of float · ▲ +9.8% MoM · 14.4 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
80 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $32
Now $38 · 90%
Range high $38
vs 200-day avg +6%
vs 50-day avg +1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted Earnings per Common Share - Diluted (Non-GAAP) non-GAAP | $0.81 | Q2 FY2026 | — |
|
|
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| Adjusted Net Income (Non-GAAP) non-GAAP | 4.32M | Q2 FY2026 | — |
| Adjusted Noninterest Income non-GAAP | 990K | Q2 2026 | — |
| Adjusted PPNR (Non-GAAP) non-GAAP | 5.13M | Q2 FY2026 | — |
| Adjusted PPNR Return on Average Assets (Non-GAAP) non-GAAP | 1.25% | Six Months Ended June 30, 2026 | — |
| Adjusted return on average equity non-GAAP | 10.8% | Q2 2026 | — |
| Adjusted ROAA non-GAAP | 1.04% | Q2 2026 | — |
| Allowance for credit losses to nonperforming assets | 308.5% | Q2 FY2026 | — |
| Allowance for Credit Losses to Nonperforming Loans | 308.47% | 6/30/26 | — |
| Allowance for Credit Losses to Total Loans | 0.89% | 6/30/26 | — |
| Average cost of interest-bearing deposits | 2.08% | Q2 2026 | — |
| Commercial loans percentage of loan portfolio | 62.1% | Q2 FY2026 | — |
|
|
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| Common Equity Tier 1 Capital | 14.22% | as of June 30, 2026 | — |
| Core deposits percentage of total deposits | 82% | as of June 30, 2026 | — |
| Core PPNR non-GAAP | $5.1M | Q2 2026 | — |
| Delinquent and Nonaccrual Loans to Total Loans | 0.69% | 6/30/26 | — |
| Efficiency Ratio | 67.01% | Three Months Ended June 30, 2026 | — |
| Insured/collateralized deposits percentage of total deposits | 74.8% | as of June 30, 2026 | — |
| Net Interest Margin (FTE) (Non-GAAP) non-GAAP | 3.8% | Six Months Ended June 30, 2026 | — |
|
|
|||
| Net interest margin (NIM) | 3.68% | Q2 FY2026 | — |
|
|
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| Net Interest Rate Spread (FTE) (Non-GAAP) non-GAAP | 3.27% | Six Months Ended June 30, 2026 | — |
| Nonperforming Assets to Total Assets | 0.2% | 6/30/26 | — |
| Nonperforming loans to total loans | 0.29% | as of June 30, 2026 | — |
|
|
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| Pre-Provision Net Revenue (“PPNR”) | 5.12M | Q2 FY2026 | — |
| Return on Average Tangible Common Equity (Non-GAAP) non-GAAP | 10.97% | Six Months Ended June 30, 2026 | — |
| Tangible book value per share (Non-GAAP) non-GAAP | $29.99 | Q2 FY2026 | — |
| Tangible Equity Ratio (TCE / TA) non-GAAP | 9.25% | Q2 2026 | — |
| Tier 1 Capital | 14.22% | as of June 30, 2026 | — |
| Tier 1 Leverage | 9.94% | as of June 30, 2026 | — |
| Total Risk-Based Capital | 15.18% | as of June 30, 2026 | — |
| Yield on earning assets | 5.34% | Q2 FY2026 | — |
|
|
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| Allowance for credit losses coverage of nonperforming assets | 309.5% | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CBFV
this stock
CB Financial Services, Inc.
|
$189.24M | +7.9% | -8.2% | 27.4 | 1.7% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CBFV | +0.6% | +5.2% | +8.1% | +2.7% | +7.9% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +2.6% | +1.9% | -3.1% | +0.6% | -3.9% |
Capital returns
Latest dividend
$0.28
/ share · ex Aug 14, 2026
Paid (TTM)
$1.10
/ share · 4 payouts
Dividend yield (TTM, derived)
2.92%
Buyback program
· as of Sep 4, 2025
Authorized
$5.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.