CB Financial Services is part of the banking industry and is part of the financial services sector. The company CEO is Patrick O’Brien. CB Financial Services Inc, through its subsidiary Community Bank operates as a commercial bank offers residential and commercial real estate loans, industrial loans, consumer loans, as well as a variety of deposit products for individuals and businesses.



Previous Intraday Performance:

The CBFV shares had a previous change of -0.86% which opened at 23.33 and closed at 22.98. It moved to an intraday high of 23.33 and a low of 22.77.

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Historical Performance:

Over the last five trading days, CBFV shares returned -0.91% and in the past 30 trading days it returned -10.42%. Over three months, it changed -4.48%. In one year it has changed -26.80% and within that year its 52-week high was 36.95 and its 52-week low was 22.77. CBFV stock is 0.92% above its 52 Week Low.

Our calculations result in a 200 day moving average of 27.58 and a 50 day moving average of 24.60. Right now, CBFV stock is trading -16.66% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

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Liquidity:

The company has a market cap of $124.9m with 5.4m shares outstanding and a float of 5.1m shares. Trading volume was 5,140 shares and has experienced an average volume of 4,904 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for CB Financial Services was 1.39 which ended on 31st of December 2018, which according to the previous close, that is a PE of 16.53. Based on 1 analyst estimate, the estimated EPS for the next quarter is 0.51. The trailing twelve month EPS is 1.54, which comes to a trailing twelve month PE of 14.92. Historically, the PE high was 21.90 and the PE low was 9.20. If the stock reached its PE low, that would represent a price of 14.17, which is a decrease of -38.34%.

The dividend per share is currently 0.96, which is a dividend yield of 4.18%. CBFV stock may not have sufficient earnings to cover future dividends and still be able to invest in and grow the business, therefore in the future the dividend may be reduced.

Base on our calculations, the intrinsic value per share is 26.24, which means it might be undervalued and has a margin of safety of 12.42%

The next earnings report will be: 04-30-2019



The growth of the EPS is critical in understanding the current valuation of CB Financial Services; it is usually expressed as a percentage and is then referred to as the EPS growth rate, which is 10.00%.

Indicators Also to Watch:

Based on the latest filings, there is 6.20% of insider ownership and 46.00% of institutional ownership.

I calculated the beta to be 0.34

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Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 6.11%, return on assets is 0.64%, profit margin is 13.78%, price-to-sales is 3.05 and price-to-book is 0.91.

Company Score Card:

Results are out of six:
 4  : Growth Expectations Result
 6  : Financial Safety Result
 1  : Past Performance Result
 3  : Valuation Result
 4  : Dividend Safety Result
 3  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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