Financial Contrast: CB Financial Services (CBFV) vs. Its Rivals

CB Financial Services (NASDAQ:CBFV) is one of 920 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare CB Financial Services to similar companies based on the strength of its risk, institutional ownership, analyst recommendations, earnings, dividends, profitability and valuation.

Risk & Volatility

CB Financial Services has a beta of 0.29, indicating that its share price is 71% less volatile than the S&P 500. Comparatively, CB Financial Services’ competitors have a beta of 0.52, indicating that their average share price is 48% less volatile than the S&P 500.

Profitability

This table compares CB Financial Services and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CB Financial Services	8.52%	10.08%	1.00%
CB Financial Services Competitors	15.24%	9.38%	0.92%

Insider & Institutional Ownership

33.1% of CB Financial Services shares are held by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are held by institutional investors. 10.2% of CB Financial Services shares are held by company insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares CB Financial Services and its competitors gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
CB Financial Services	$80.52 million	$4.90 million	29.26
CB Financial Services Competitors	$251.02 billion	$2.41 billion	19.13

CB Financial Services’ competitors have higher revenue and earnings than CB Financial Services. CB Financial Services is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Analyst Recommendations

This is a summary of recent ratings and price targets for CB Financial Services and its competitors, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CB Financial Services	0	2	2	0	2.50
CB Financial Services Competitors	7448	30107	27656	1443	2.35

CB Financial Services presently has a consensus target price of $42.50, suggesting a potential upside of 7.59%. As a group, “Banks” companies have a potential upside of 15.80%. Given CB Financial Services’ competitors higher probable upside, analysts clearly believe CB Financial Services has less favorable growth aspects than its competitors.

Dividends

CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 2.8%. CB Financial Services pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 29.0% of their earnings in the form of a dividend. CB Financial Services lags its competitors as a dividend stock, given its lower dividend yield and higher payout ratio.

Summary

CB Financial Services competitors beat CB Financial Services on 10 of the 15 factors compared.

CB Financial Services Company Profile

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.