CBFV Valuation

CB Financial Services Inc

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33.220

+1.22(3.813%)1D

CBFV Relative Valuation

CBFV's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CBFV is overvalued; if below, it's undervalued.

Historical Valuation

CB Financial Services Inc (CBFV) is now in the Fair zone, suggesting that its current forward PE ratio of 10.24 is considered Fairly compared with the five-year average of 11.71. The fair price of CB Financial Services Inc (CBFV) is between 25.38 to 39.30 according to relative valuation methord.

Relative Value

Fair Zone

25.38-39.30

Current Price：33.22

Fair

10.24

Trailing

Forward

0.00

EV/EBITDA

CB Financial Services Inc. (CBFV) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

CB Financial Services Inc. (CBFV) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

33.22

CB Financial Services Inc. (CBFV) has a current PS of 33.22. The 5-year average PS is 2.57. The thresholds are as follows: Strongly Undervalued below -2.95, Undervalued between -2.95 and -0.19, Fairly Valued between 5.33 and -0.19, Overvalued between 5.33 and 8.10, and Strongly Overvalued above 8.10. The current Forward PS of 33.22 falls within the Strongly Overvalued range.

0.00

P/OCF

CB Financial Services Inc. (CBFV) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

CB Financial Services Inc. (CBFV) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

CB Financial Services Inc (CBFV) has a current Price-to-Book (P/B) ratio of 1.09. Compared to its 3-year average P/B ratio of 0.96 , the current P/B ratio is approximately 13.12% higher. Relative to its 5-year average P/B ratio of 0.95, the current P/B ratio is about 14.22% higher. CB Financial Services Inc (CBFV) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 8.59%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.11% , the current FCF yield is about -100.00% lower.

1.09

P/B

Median3y

0.96

Median5y

0.95

0.00

FCF Yield

Median3y

8.59

Median5y

9.11

Competitors Valuation Multiple

The average P/S ratio for CBFV's competitors is 23.35, providing a benchmark for relative valuation. CB Financial Services Inc Corp (CBFV) exhibits a P/S ratio of 33.22, which is 42.28% above the industry average. Given its robust revenue growth of -87.53%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CBFV.O

CB Financial Services Inc

Peoples Bancorp of North Carolina Inc

United Security Bancshares

Ohio Valley Banc Corp

First Internet Bancorp

17.88

-89.36%

155.79M

Performance Decomposition

Market capitalization of CBFV increased by 4.70% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 3.81 to 65.27.

The secondary factor is the Revenue Growth, contributed -87.53%to the performance.

Overall, the performance of CBFV in the past 1 year is driven by P/E Change. Which is more unsustainable.

-87.53%

12.44M → 1.55M

Revenue Growth

-1519.05%

25.88 → -367.25

Margin Expansion

1611.28%

3.81 → 65.27

P/E Change

4.70%