CB Financial Services, Inc. (CBFV)
Banks - Regional · Financial Services · $188M
Intrinsic Value (Consensus)
$21.53
Current Price
$37.02
Margin of Safety
-41.8%
41.8% Above Intrinsic Value
Value: $22
Price: $37
Valuation Model Estimates
Current Price: $37.02
DCF (Discounted Cash Flow)
$42.89
Graham Number
$25.36
Earnings Power Value
$8.93
Relative Value (P/E)
$18.40
Dividend Discount Model
$12.05
Consensus Value
$21.53
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
D
41
Profitability
12/25
Strength
18/25
Valuation
7/25
Growth
4/25
Financial Health Signals
Declining revenue — top line is shrinking
Solid dividend yield (5.4%)
High free cash flow yield (9.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.92
- EPS (Forward)
- $0.94
- Book Value
- $31.06
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 3.1%
- Debt/Equity
- —
- Revenue Growth
- -8.2%
- Earnings Growth
- 2.0%
- Dividend Yield
- 5.4%
- Beta
- 0.28
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Data last updated: 2026-06-21
Source: Yahoo Finance