CB Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from CB Financial Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 17%
Sales fell 17% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-17% / +10%In 3 years sales changed by -17% while total assets changed by +10%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 78% of Financial Services companies in United States.
Tangible Net Worth Ratio
94%Of every $100 of net worth, $94 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 74% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
CB Financial Services, Inc. owes $0.90 for every $1 it owns. Net profit fell 61% in the year to Dec 2025, and shrank 24% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
29.7Investors pay $29.7 for every $1 of CB Financial Services, Inc.'s yearly profit, higher than 86% of Financial Services companies in United States.
P/B ratio
1.20The share price is 1.20 times CB Financial Services, Inc.'s book value per share, lower than 57% of Financial Services companies in United States.
Market cap
$195 MThe total market value of all of CB Financial Services, Inc.'s shares at today's price (share price × number of shares), smaller than 82% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$162 MWhat CB Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$31.90Net worth divided by the number of shares. The share price of $38.31 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
4.7%CB Financial Services, Inc. earned 4.7% on its shareholders' money over the last year, lower than 76% of Financial Services companies in United States.
Owes vs Owns
0.90×CB Financial Services, Inc. owes $0.90 for every $1 it owns (high), higher than 82% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.93%CB Financial Services, Inc. pays 2.93% of its share price as dividends a year, higher than 52% of dividend-paying Financial Services companies in United States.
Revenue growth
-16%Revenue fell 16% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
-61%Net profit fell 61% in the year to Dec 2025, and shrank 24% a year on average over 3 years.
Profit margin
11.8%CB Financial Services, Inc. keeps $12 of every $100 of revenue as net profit.
Questions
What is CB Financial Services, Inc.'s P/E ratio?
Investors pay $29.7 for every $1 of CB Financial Services, Inc.'s yearly profit, higher than 86% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For CB Financial Services, Inc.: $195 M ÷ $162 M (30 Jun 2026) = 1.2.
What is CB Financial Services, Inc.'s return on equity?
CB Financial Services, Inc. earned 4.7% on its shareholders' money over the last year, lower than 76% of Financial Services companies in United States.
How much does CB Financial Services, Inc. owe compared with what it owns?
CB Financial Services, Inc. owes $0.90 for every $1 it owns (high), higher than 82% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does CB Financial Services, Inc. pay a dividend?
Yes. CB Financial Services, Inc. pays 2.93% of its share price as dividends a year, higher than 52% of dividend-paying Financial Services companies in United States.
Is CB Financial Services, Inc.'s revenue growing?
Revenue fell 16% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.