CB Financial Services (CBFV) Key Ratios
$37.30
As on 10-Sep-2026 16:00EDT
Market cap
$191 Mln
Revenue (TTM)
$73 Mln
P/E Ratio
27.4
P/B Ratio
1.2
Div. Yield
2.9 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 6.14 | 11.11 | -7.76 | 4.58 | 6.68 |
| EBIT | -- | -- | -79.88 | -46.90 | 17.81 |
| Net Profit | 11.22 | 8.91 | -37.84 | -21.64 | 21.22 |
| EPS | 10.49 | 8.47 | -36.98 | -22.52 | 21.27 |
| Book Value | -- | -- | 11.73 | 11.23 | 3.60 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 25.85 | 26.52 | 3.89 | 7.72 | 19.37 |
| Net Margin
| -- | -- | 9.91 | -- | -- |
| Return on equity
| 10.01 | 9.58 | 4.51 | 3.22 | 8.77 |
| Return on Capital
| 8.12 | 7.50 | -- | 2.62 | 7.06 |
| Return on Assets
| 0.92 | 0.87 | 0.44 | 0.32 | 0.86 |
| Debt to Equity (x)
| -- | -- | 0.21 | 0.22 | 0.24 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
--
|
2.62
|
7.06
|
14.67
|
6.97
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
4.51
Lower than Peers by 5.37
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
4.51
|
3.22
|
8.77
|
18.04
|
9.25
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
0.44
Lower than Peers by 0.53
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
0.44
|
0.32
|
0.86
|
1.57
|
0.79
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
3.89
Lower than Peers by 16.96
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
3.89
|
7.72
|
19.37
|
50.45
|
25.72
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
9.91
Lower than Peers by 10.20
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
9.91
|
7.14
|
15.90
|
37.56
|
20.54
|
|
Peer Median
|
20.11
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
-7.76
Lower than Peers by 18.86
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
-7.76
|
-0.13
|
0.32
|
0.10
|
0.09
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
-79.88
Lower than Peers by 68.39
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
-79.88
|
-65.46
|
-49.34
|
115.09
|
-4.19
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
-37.84
Lower than Peers by 45.12
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
-37.84
|
-61.07
|
-44.15
|
100.50
|
-2.79
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
-36.98
Lower than Peers by 42.82
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
-36.98
|
-0.59
|
-0.48
|
0.99
|
0.01
|
|
Peer Median
|
5.84
|
--
|
--
|
--
|
--
|
Book Value Growth
8.81
Higher than Peers by 0.07
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
8.81
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.74
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.21
Higher than Peers by 0.00
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
0.21
|
0.22
|
0.24
|
0.25
|
0.21
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.40
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
0.40
|
0.13
|
0.14
|
0.00
|
0.07
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
1.17
Higher than Peers by 0.87
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
1.17
|
0.02
|
0.24
|
0.22
|
0.24
|
|
Peer Median
|
0.30
|
--
|
--
|
--
|
--
|
Quick Ratio
1.17
Higher than Peers by 0.81
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
1.17
|
--
|
--
|
--
|
0.33
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.32
Lower than Peers by 0.43
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
1.32
|
0.21
|
0.51
|
1.71
|
2.94
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
8.67
Higher than Peers by 1.73
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
8.67
|
9.29
|
--
|
--
|
38.62
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
0.04
|
0.05
|
0.05
|
0.04
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
--
|
33.92
|
--
|
128.64
|
113.43
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
--
|
--
|
--
|
-2,290.69
|
-4,919.96
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
--
|
--
|
--
|
161.29
|
350.90
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
--
|
--
|
--
|
-2,323.34
|
-5,157.43
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
27.45
Higher than Peers by 14.50
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
27.45
|
37.72
|
12.58
|
5.42
|
9.73
|
|
Peer Median
|
12.95
|
--
|
--
|
--
|
--
|
Price / Book Value
1.18
Lower than Peers by 0.14
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
1.18
|
1.17
|
1.08
|
0.87
|
0.99
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
2.87
Higher than Peers by 0.42
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
2.87
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.45
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
--
|
-12.80
|
-6.52
|
-3.51
|
-9.47
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
191
Lower than Peers by 126
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
CB Financial Services (CBFV)
|
191
|
--
|
--
|
--
|
--
|
|
Peer Median
|
317
|
--
|
--
|
--
|
--
|