CB Financial Services, Inc. (CBFV)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$37.60+0.05%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -1.3% |
| Our one-year growth estimate | diamond | -10.2% |
Growth built into the price is above our model estimate.
The price assumes 8.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
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.
Model as of 2026-09-04 · Compared with 219 industry peers
CBFV — dividend update
Dated 2026-07-27
Other Events. On July 27, 2026 , the Company announced that its Board of Directors declared a cash dividend on the Company's outstanding shares of common stock. The dividend of $0.28 per share will be paid on or about August 28, 2026 to stockholders of record as of the close of business on August 14, 2026.
Why it matters: A drop in net interest margin shows pressure on profits. It may mean trouble managing costs and yields.
Worry ifNet interest margin falls below 3.60% in Q3 2026.
Less concerning ifNet interest margin remains above 3.70% in Q3 2026.
Why it matters: Strong deposit growth helps the company lower its funding costs. It shows customer trust and stability.
Supportive ifOrganic deposit growth exceeds $70 million in Q3 2026.
Worry ifOrganic deposit growth is below $50 million in Q3 2026.
Why it matters: Keeping the dividend shows financial strength and care for shareholders.
Watch forThe quarterly cash dividend remains at $0.28 per share.
Also watch forThe quarterly cash dividend is reduced below $0.28 per share.
Why it matters: Ongoing NIM improvement shows good management of funding costs and asset returns. It helps overall profits.
Supportive ifNIM reported above 3.83% in the next earnings report.
Worry ifNIM reported below 3.83% in the next earnings report.
Why it matters: Loan growth shows demand and the bank's ability to lend more money.
Watch forTotal loans increase by more than 1.5% in the next quarter.
Also watch forTotal loans decrease or grow less than 1.5% in the next quarter.
Why it matters: Earnings below this level mean profit growth is slowing.
Worry ifQ3 adjusted earnings per share falls below $0.81.
Less concerning ifAdjusted earnings per share rises above $0.81.
Why it matters: A $0.28 dividend shows smart money management. It also shows strong finances.
Supportive ifAn official announcement will confirm that the $0.28 dividend per share will continue.
Worry ifAnnouncement of a dividend cut below $0.28 per share.
Why it matters: A dividend cut may show financial trouble and hurt investor trust. Keeping the dividend is very important for management.
Worry ifAnnouncement of a dividend cut before the August 28 payment date.
Less concerning ifThe $0.28 dividend payment is confirmed for August 28, 2026.
Why it matters: Mortgage lending growth will show how well the company is building customer ties.
Watch forManagement says mortgage lending metrics grew a lot in Q3 2026.
Also watch forManagement says mortgage lending metrics stayed the same or fell in Q3 2026.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector's growth phase.
Worry ifRevenue growth for the company falls below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: A drop in revenue growth could indicate a slowdown in the financial sector, impacting CBFV.
Worry ifSector revenue growth falls below its median of 15% over the last three years.
Less concerning ifSector revenue growth remains above its median of 15% over the last three years.
Why it matters: Slower growth in Specialty Treasury deposits may show less demand for cheap funding.
Worry ifSpecialty Treasury deposits grew by less than $56.5 million in Q3.
Less concerning ifSpecialty Treasury deposits grow more than $56.5 million in Q3.
Why it matters: Loan growth is crucial for revenue. It indicates demand for banking services and effective lending strategies.
Supportive ifTotal loans increase by more than 2% in Q3 2026.
Worry ifTotal loans decrease or grow less than 1% in Q3 2026.
Why it matters: A decline in net interest margin would signal pressure on profitability. This is key for banks.
Worry ifQ3 net interest margin is below 3.68%. This shows less profit.
Less concerning ifNet interest margin is stable or better than 3.68%.
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.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$92 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $266 loss on $10,000 · 2.7% | 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.
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.