First Financial Bankshares (NASDAQ:FFIN) versus CB Financial Services (NASDAQ:CBFV) Head-To-Head Contrast

First Financial Bankshares (NASDAQ:FFIN) and CB Financial Services (NASDAQ:CBFV) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their valuation, profitability, earnings, dividends, institutional ownership, analyst recommendations and risk.

Risk & Volatility

First Financial Bankshares has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500. Comparatively, CB Financial Services has a beta of 0.28, indicating that its stock price is 72% less volatile than the S&P 500.

Insider and Institutional Ownership

69.8% of First Financial Bankshares shares are owned by institutional investors. Comparatively, 33.1% of CB Financial Services shares are owned by institutional investors. 3.8% of First Financial Bankshares shares are owned by insiders. Comparatively, 10.2% of CB Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Dividends

First Financial Bankshares pays an annual dividend of $0.88 per share and has a dividend yield of 2.6%. CB Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. First Financial Bankshares pays out 47.1% of its earnings in the form of a dividend. CB Financial Services pays out 83.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. First Financial Bankshares has increased its dividend for 15 consecutive years.

Earnings & Valuation

This table compares First Financial Bankshares and CB Financial Services”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Financial Bankshares	$833.20 million	5.77	$253.58 million	$1.87	17.93
CB Financial Services	$80.52 million	2.35	$4.90 million	$1.35	27.54

First Financial Bankshares has higher revenue and earnings than CB Financial Services. First Financial Bankshares is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Financial Bankshares	31.03%	14.00%	1.76%
CB Financial Services	8.52%	10.08%	1.00%

Analyst Ratings

This is a breakdown of current ratings and target prices for First Financial Bankshares and CB Financial Services, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Financial Bankshares	0	4	1	1	2.50
CB Financial Services	0	2	2	0	2.50

First Financial Bankshares currently has a consensus target price of $35.80, indicating a potential upside of 6.76%. CB Financial Services has a consensus target price of $42.50, indicating a potential upside of 14.29%. Given CB Financial Services’ higher probable upside, analysts clearly believe CB Financial Services is more favorable than First Financial Bankshares.

Summary

First Financial Bankshares beats CB Financial Services on 12 of the 17 factors compared between the two stocks.

About First Financial Bankshares

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company offers checking, savings and time deposits; automated teller machines, drive-in, and night deposit services; safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services; securities brokerage services; and trust and wealth management services, including wealth management, estates administration, oil and gas management, testamentary trusts, revocable and irrevocable trusts, and agency accounts. It also provides commercial and industrial, municipal, agricultural, construction and development, farm, residential, and consumer auto and non-auto, as well as non-owner occupied and owner occupied commercial real estate loans. In addition, the company offers advisory and specialized services related to asset management, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.

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.