CB Financial Services, Inc. (CBFV)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$41.20+1.95%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · CBFV
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 8.0% |
| Our one-year growth estimate | diamond | -12.6% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 20.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
CBFV — earnings miss
Dated 2026-10-26
Results of Operations and Financial Condition. On October 26, 2026 , CB Financial Services, Inc. ("the Company") issued a press release announcing its financial results for the three and nine months ended September 30, 2026, a copy of which is furnished herewith as Exhibit 99.1 and is incorporated herein by reference.
Why it matters: Margin rose from 3.68% in Q2 to 3.75% in Q3. Another rise would support the recent earnings improvement.
Supportive ifA later quarter reports a net interest margin above 3.75%. Net interest and dividend income tops $15.0 million.
Worry ifA later quarter reports a margin below 3.68%. Or it reports net interest and dividend income below $14.5 million.
Why it matters: CBFV named mortgage lending as a growth effort, but the supplied reports show no results from it yet.
Supportive ifA later report shows mortgage loan production or mortgage revenue above zero. It also describes business growth.
Worry ifThe next two quarterly reports give no mortgage production or revenue, or state that the effort has stalled.
Why it matters: The company extended its $5 million share repurchase program. Actual purchases would show use of that capital plan.
Watch forA filing reports shares bought back under the program before August 31, 2027.
Also watch forA filing reports no shares bought back under the program before it ends on August 31, 2027.
Why it matters: Loans fell modestly in Q3 after one large customer paid off its loans. Management said payoff activity may ease in Q4.
Watch forQ4 loans rise from the Q3 level, and production exceeds payoffs.
Also watch forQ4 loans fall again, or loan payoffs exceed new production.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $255 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $993 loss on $10,000 · 9.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Nonperforming loans were 0.28% of total loans in Q3, down from 0.29% in Q2. A rise would weaken the recent credit picture.
Worry ifA later report shows nonperforming loans above 0.29% of total loans.
Less concerning ifA later report keeps nonperforming loans at or below 0.29% of total loans.