Head to Head Survey: CB Financial Services (CBFV) and Its Peers

CB Financial Services (NASDAQ:CBFV) is one of 920 public companies in the “Banks” industry, but how does it contrast to its peers? We will compare CB Financial Services to similar businesses based on the strength of its institutional ownership, profitability, analyst recommendations, valuation, dividends, earnings and risk.

Dividends

CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 2.8%. CB Financial Services pays out 32.8% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.5% and pay out 28.9% of their earnings in the form of a dividend. CB Financial Services lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Institutional & Insider Ownership

33.1% of CB Financial Services shares are owned by institutional investors. Comparatively, 47.7% of shares of all “Banks” companies are owned by institutional investors. 10.2% of CB Financial Services shares are owned by insiders. Comparatively, 9.8% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares CB Financial Services and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CB Financial Services	21.00%	10.56%	1.05%
CB Financial Services Competitors	15.63%	9.45%	0.93%

Earnings and Valuation

This table compares CB Financial Services and its peers top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
CB Financial Services	$59.59 million	$4.90 million	11.63
CB Financial Services Competitors	$37.86 billion	$2.41 billion	16.69

CB Financial Services’ peers have higher revenue and earnings than CB Financial Services. CB Financial Services is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Analyst Ratings

This is a summary of recent ratings and price targets for CB Financial Services and its peers, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CB Financial Services	0	2	2	0	2.50
CB Financial Services Competitors	7458	30161	27711	1451	2.35

CB Financial Services presently has a consensus target price of $42.50, indicating a potential upside of 7.13%. As a group, “Banks” companies have a potential upside of 17.30%. Given CB Financial Services’ peers higher possible upside, analysts plainly believe CB Financial Services has less favorable growth aspects than its peers.

Volatility & Risk

CB Financial Services has a beta of 0.29, meaning that its share price is 71% less volatile than the S&P 500. Comparatively, CB Financial Services’ peers have a beta of 0.61, meaning that their average share price is 39% less volatile than the S&P 500.

Summary

CB Financial Services peers beat CB Financial Services on 9 of the 15 factors compared.

About CB Financial Services

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.