CBFV
CB Financial Services, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Last price
37.60
▼ 0.02 (0.05%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
37.68
Prev close
37.62
Day high
37.68
Day low
37.47
Volume
3.22K
Market cap
$191.07M
P/E (TTM)
27.45
52W range
30.06 – 38.86
Insider net activity
Net shares
+7.82K
Net buying
Buy transactions
5
12.30K shares
Sell transactions
5
4.49K shares
Net transactions
+10
Buys less sells
Sell : buy shares
0.4 : 1
Mixed
Insider-held shares
520.46K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 14, 26 | SWIATEK JOHN M Director |
CONVERSION | 1.40K | $37.03K | Direct |
| Aug 14, 26 | COBAIN STEPHEN Officer |
CONVERSION | 1.50K | $33.72K | Direct |
| Aug 14, 26 | SWIATEK JOHN M Director |
SELL | 1.00K | $37.06K | Direct |
| Aug 14, 26 | COBAIN STEPHEN Officer |
SELL | 1.50K | $55.65K | Direct |
| Jun 17, 26 | MONTGOMERY JOHN HAINES Chief Executive Officer |
CONVERSION | 3.50K | $65.10K | Direct |
| Mar 5, 26 | COBAIN STEPHEN Officer |
CONVERSION | 1.79K | $39.64K | Direct |
| Mar 5, 26 | COBAIN STEPHEN Officer |
SELL | 1.79K | $61.96K | Direct |
| Feb 23, 26 | ENGLES AMANDA L Chief Financial Officer |
SELL | 54 | $1.82K | Direct |
| Feb 23, 26 | COBAIN STEPHEN Officer |
SELL | 140 | $4.73K | Direct |
| Feb 20, 26 | SHARP BRUCE A. Officer |
CONVERSION | 4.11K | $99.10K | Direct |
| Feb 13, 26 | BURCHIANTI RALPH Officer and Director |
STOCK | 750 | $0 | Direct |
| Feb 13, 26 | COBAIN STEPHEN Officer |
STOCK | 1.38K | $0 | Direct |
| Feb 13, 26 | SWIATEK JOHN M Director |
STOCK | 750 | $0 | Direct |
| Feb 13, 26 | GEORGE JENNIFER L. Chief Operating Officer |
STOCK | 1.32K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BEDWAY JONATHAN A |
Director | 20.75K | Stock Award(Grant) |
BURCHIANTI RALPH |
Officer and Director | 81.92K | Stock Award(Grant) |
FOX MARK E |
Chairman of the Board | 21.83K | Stock Award(Grant) |
GEORGE JENNIFER L. |
Chief Operating Officer | 16.19K | Stock Award(Grant) |
GUTHRIE CHARLES R |
Director | 24.75K | Stock Award(Grant) |
LACARTE JOHN J |
Director | 139.62K | Stock Award(Grant) |
MONTGOMERY JOHN HAINES |
Chief Executive Officer | 45.04K | Conversion of Exercise of derivative security |
OLEJASZ ROBERTA ROBINSON |
Director | 15.17K | Stock Award(Grant) |
POLLOCK DAVID F |
Director | 48.78K | Stock Award(Grant) |
SWIATEK JOHN M |
Director | 20.18K | Conversion of Exercise of derivative security |
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
+1.10%
+2.5%
1M
+5.12%
+1.4%
3M
+9.02%
+5.9%
6M
+8.26%
-2.8%
YTD
+7.86%
-4.4%
1Y
+16.88%
-3.1%
3Y
+72.71%
-1.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$191.07M
Enterprise value$217.92M
Revenue (TTM)$47.41M
Gross profit$47.41M
EBITDA—
Net income$7.21M
EPS (TTM)$1.37
Free cash flow—
Total cash$76.17M
Total debt$103.02M
Book value / share$31.91
Shares outstanding5.08M
Float4.62M
Short % of float1.88%
Dividend yield2.93%
Beta (5Y)0.27
Short interest
Shares short
85.69K
Prior 81.05K
Change vs prior
+5.7%
Shorts adding
% of float
1.88%
Normal
% of shares out
1.69%
Against total outstanding
Days to cover
16.9
Crowded exit
Float
4.62M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Valuation & profitability ratios
Trailing P/E27.45
Forward P/E11.20
PEG ratio1.12
Price / sales—
Price / book1.18
EV / revenue4.60
EV / EBITDA—
Gross margin0.00%
Operating margin34.08%
Profit margin15.21%
Return on equity4.65%
Return on assets0.45%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $41.50M | $49.14M | $42.36M | $49.96M | -15.5% |
| Operating revenue | $41.50M | $49.14M | $42.36M | $49.96M | -15.5% |
| Selling, general & admin | $23.77M | $20.28M | $23.41M | $19.91M | +17.2% |
| Pre-tax income | $5.30M | $15.34M | $30.29M | $14.08M | -65.5% |
| Tax provision | $397.00K | $2.75M | $7.74M | $2.83M | -85.6% |
| Net income | $4.90M | $12.59M | $22.55M | $11.25M | -61.1% |
| Net income to common | $4.90M | $12.59M | $22.55M | $11.25M | -61.1% |
| Basic EPS | 0.97 | 2.45 | 4.41 | 2.19 | -60.4% |
| Diluted EPS | 0.92 | 2.38 | 4.40 | 2.18 | -61.3% |
| Basic shares | 5.04M | 5.13M | 5.11M | 5.14M | -1.9% |
| Diluted shares | 5.31M | 5.30M | 5.12M | 5.15M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $31.69M | $49.57M | $68.22M | $103.70M | — | -36.1% |
| Accounts receivable | — | — | — | $21.14M | $12.86M | — |
| Property, plant & equipment | $19.65M | $20.71M | $19.70M | $17.84M | — | -5.1% |
| Goodwill & intangibles | $9.73M | $9.73M | $10.69M | $13.24M | — | 0.0% |
| Total assets | $1.55B | $1.48B | $1.46B | $1.41B | — | +4.5% |
| Current debt | $20.00M | $20.00M | $0 | $0 | — | 0.0% |
| Long-term debt | $14.76M | $14.72M | $34.68M | $14.64M | — | +0.3% |
| Total debt | $34.76M | $34.72M | $34.68M | $14.64M | — | +0.1% |
| Total liabilities | $1.39B | $1.33B | $1.32B | $1.30B | — | +4.2% |
| Retained earnings | $90.63M | $90.86M | $83.39M | $63.86M | — | -0.3% |
| Shareholder equity | $157.54M | $147.38M | $139.83M | $110.16M | — | +6.9% |
| Net tangible assets | $147.81M | $137.65M | $129.14M | $96.91M | — | +7.4% |
| Shares issued | 5.84M | 5.79M | 5.76M | 5.71M | — | +0.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $4.90M | $12.59M | $22.55M | $11.25M | -61.1% |
| Depreciation & amortisation | $1.81M | $2.42M | $2.74M | $2.70M | -25.4% |
| Stock-based compensation | $796.00K | $812.00K | $1.13M | $600.00K | -2.0% |
| Change in working capital | -$3.36M | -$3.53M | $4.72M | -$234.00K | +4.8% |
| Operating cash flow | $17.81M | $6.75M | $14.24M | $14.15M | +163.8% |
| Capital expenditure | -$650.00K | -$3.31M | -$3.29M | -$509.00K | +80.4% |
| Investing cash flow | -$82.61M | -$36.38M | -$54.73M | -$28.31M | -127.0% |
| Share buybacks | -$6.84M | -$965.00K | -$843.00K | -$4.80M | -608.8% |
| Dividends paid | -$5.13M | -$5.13M | -$5.11M | -$4.92M | -0.1% |
| Financing cash flow | $46.92M | $10.98M | $5.01M | -$1.82M | +327.2% |
| Free cash flow | $17.16M | $3.44M | $10.94M | $13.64M | +399.5% |
| End cash position | $31.69M | $49.57M | $68.22M | $103.70M | -36.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $15.07M | $14.43M | $14.57M | $2.05M | $13.09M | +4.4% |
| Operating revenue | $15.07M | $14.43M | $14.57M | $2.05M | $13.09M | +4.4% |
| Selling, general & admin | $6.41M | $6.31M | $6.48M | $5.55M | $5.42M | +1.6% |
| Pre-tax income | $5.10M | $4.58M | $5.27M | -$7.02M | $4.71M | +11.3% |
| Tax provision | $798.00K | $714.00K | $528.00K | -$1.32M | $766.00K | +11.8% |
| Net income | $4.30M | $3.87M | $4.74M | -$5.70M | $3.95M | +11.2% |
| Net income to common | $4.30M | $3.87M | $4.74M | -$5.70M | $3.95M | +11.2% |
| Basic EPS | 0.85 | 0.77 | 0.95 | -1.14 | 0.79 | +10.4% |
| Diluted EPS | 0.80 | 0.73 | 0.89 | -1.14 | 0.74 | +9.6% |
| Basic shares | 5.07M | 5.05M | 5.02M | 4.99M | 5.02M | +0.4% |
| Diluted shares | 5.35M | 5.32M | 5.30M | 5.32M | 5.33M | +0.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $76.09M | $55.55M | $31.69M | $55.89M | $64.51M | — | +37.0% |
| Property, plant & equipment | $19.07M | $19.43M | $19.65M | $19.90M | $20.22M | — | -1.8% |
| Goodwill & intangibles | $9.73M | $9.73M | $9.73M | $9.73M | $9.73M | — | 0.0% |
| Total assets | $1.66B | $1.58B | $1.55B | $1.55B | $1.52B | — | +4.6% |
| Current debt | $65.00M | — | $20.00M | — | — | $20.00M | — |
| Long-term debt | $34.78M | $34.77M | $14.76M | $34.75M | $34.74M | — | +0.0% |
| Total debt | $99.78M | $34.77M | $34.76M | $34.75M | $34.74M | — | +187.0% |
| Total liabilities | $1.49B | $1.42B | $1.39B | $1.39B | $1.37B | — | +4.9% |
| Retained earnings | $95.96M | $93.08M | $90.63M | $87.19M | $94.18M | — | +3.1% |
| Shareholder equity | $162.10M | $158.75M | $157.54M | $152.47M | $148.36M | — | +2.1% |
| Net tangible assets | $152.37M | $149.02M | $147.81M | $142.73M | $138.63M | — | +2.2% |
| Shares issued | 5.08M | 5.88M | 5.84M | 5.83M | 5.83M | — | -13.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.30M | $3.87M | $4.74M | -$5.69M | $3.95M | +11.2% |
| Depreciation & amortisation | $686.00K | $445.00K | $461.00K | $455.00K | $452.00K | +54.2% |
| Stock-based compensation | $262.00K | $212.00K | $186.00K | $194.00K | $193.00K | +23.6% |
| Change in working capital | -$191.00K | $39.00K | -$5.14M | $1.17M | -$294.00K | -589.7% |
| Operating cash flow | $7.42M | $3.02M | $5.03M | $4.62M | $4.13M | +146.0% |
| Capital expenditure | -$66.00K | -$202.00K | -$188.00K | -$104.00K | -$257.00K | +67.3% |
| Investing cash flow | -$55.28M | -$13.43M | -$34.16M | -$37.52M | -$24.11M | -311.6% |
| Share buybacks | -$14.00K | -$292.00K | -$14.00K | -$7.00K | -$4.44M | +95.2% |
| Dividends paid | -$1.42M | -$1.41M | -$1.30M | -$1.30M | -$1.25M | -0.6% |
| Financing cash flow | $68.40M | $34.27M | $4.94M | $24.28M | $23.21M | +99.6% |
| Free cash flow | $7.36M | $2.82M | $4.84M | $4.52M | $3.88M | +161.3% |
| End cash position | $76.09M | $55.55M | $31.69M | $55.89M | $64.51M | +37.0% |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.72 | 0.81 | +12.5% |
| Mar 2026 | 0.69 | 0.72 | +3.9% |
| Dec 2025 | 0.82 | 0.72 | -11.7% |
| Sep 2025 | 0.65 | 0.74 | +13.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.83 | 2 | $16.30M | +546.3% |
| Next quarter | 0.86 | 2 | $16.70M | +7.6% |
| Current year | 3.21 | 2 | $63.70M | +15.9% |
| Next year | 3.36 | 3 | $69.60M | +9.3% |
Analyst targets & ownership
Mean target$41.33
High target$44.00
Low target$40.00
Implied upside9.93%
Analyst count3
ConsensusNONE
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders10.24%
Held by institutions45.55%
Institutions holding115
Price targets, consensus spread, insider and institutional ownership.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 10, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 30, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Feb 25, 26 | DA Davidson | INITIATED | — | Buy |
| Jan 29, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Oct 27, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 24, 25 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Jul 24, 25 | Keefe, Bruyette & Woods | UPGRADE | Market Perform | Outperform |
| Oct 29, 24 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Jul 29, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| May 2, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Feb 5, 24 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Dec 8, 23 | Janney Montgomery Scott | INITIATED | — | Neutral |
Moving averages & technicals
SMA 10
37.53
+0.19% from price
SMA 20
37.36
+0.65% from price
SMA 50
37.14
+1.25% from price
SMA 100
36.16
+3.97% from price
SMA 200
35.53
+5.84% from price
EMA 12
37.44
+0.42% from price
EMA 26
37.23
+1.00% from price
EMA 50
36.89
+1.91% from price
RSI (14)
54.2
Neutral
MACD (12,26,9)
0.22
Hist 0.00
ATR (14)
0.56
1.50% of price
Realised vol 30D
21.2%
Annualised
Bollinger upper
38.20
20, 2σ
Bollinger lower
36.51
20, 2σ
50 / 200 cross
Golden
37.14 vs 35.53
Trend bias
Above 200
+5.84%
Risk profile
Beta vs SPY
0.16
Less volatile than market
Correlation to SPY
0.08
Largely independent
Realised vol 30D
21.2%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-10.6%
Peak to trough
Max drawdown 5Y
-30.5%
Peak to trough
ATR 14
0.56
1.50% of price
Beta (reported)
0.27
5Y monthly, from filing
Dividends & splits
Forward rate$1.10 / yr
Forward yield2.93%
5-year avg yield3.92%
Payout ratio78.83%
Ex-dividend dateAug 14, 2026
Next pay dateAug 28, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-12
Corporate Changes & Voting Matters
8-K · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-04-22
Proxy Statements
DEF 14A · 2026-04-09
Periodic Financial Reports
10-K · 2026-03-13
Headlines
Why CB Financial Services (CBFV) is a Top Dividend Stock for Your Portfolio
Zacks · 5d ago
CB Financial Services (CBFV) Could Be a Great Choice
Zacks · 22d ago
CB Financial Services (CBFV) Surpasses Q2 Earnings and Revenue Estimates
Zacks · 26d ago
CB Financial Services: Q2 Earnings Snapshot
Associated Press · 26d ago
CB Financial Services, Inc. Announces Second Quarter 2026 Financial Results and Declares Quarterly Cash Dividend
Business Wire · 26d ago
Northeast Community Bancorp (NECB) Q2 Earnings and Revenues Lag Estimates
Zacks · 29d ago
Midland States Bancorp (MSBI) Tops Q2 Earnings and Revenue Estimates
Zacks · 30d ago
What Makes CB Financial Services (CBFV) a New Buy Stock
Zacks · 58d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.