CB Financial Services, Inc. cash flow to debt ratio of 51.23% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

CB Financial Services, Inc.'s free cash flow has increased 399.48% from $3.44M last year to $17.16M, signaling increasing performance

CB Financial Services, Inc.'s debt to equity ratio is 0.62, which means that the company's assets are unhealthy financed, signaling financial risk.

CB Financial Services, Inc.'s debt has increased relative to shareholder equity from 0.24 last year to 0.62 today, signaling weakened financials

CB Financial Services, Inc. has a net debt to EBITDA ratio of 0.43x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

CB Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

CB Financial Services, Inc.'s profit margin has decreased (37.69%) in the last year from 15.90% to 9.91%, signaling decreasing performance

CB Financial Services, Inc.'s short-term liabilities of $1.36B exceed its short-term assets of $31.69M, signaling financial risk

CB Financial Services, Inc.'s return on assets of 0.44% is lower than the 5.00% threshold, indicating inefficient asset utilization

CB Financial Services, Inc.'s return on equity of 4.57%, is lower than 15.00%, indicating bad performance

CB Financial Services, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

CB Financial Services, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

CB Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

CB Financial Services, Inc. has a free cash flow yield of 9.05%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

CB Financial Services, Inc.'s yearly earnings has decreased 61.07% since last year from $12.59M to $4.90M, signaling decreasing performance

CB Financial Services, Inc.'s yearly revenue has decreased 13.33% since last year from $79.20M to $68.64M, signaling decreasing performance

ROIC 0.44% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

CB Financial Services, Inc.'s 3-year revenue CAGR of 7.83% is positive, indicating growing revenue over the past 3 years

CB Financial Services, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

CB Financial Services, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

CB Financial Services, Inc. is undervalued relative to its fair value price of 44.22 based on Discounted Cash Flow model

CB Financial Services, Inc. has an earnings yield of 3.80%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

CB Financial Services, Inc. is overvalued relative to its fair value price of 9.21 based on EBITDA multiple model

CB Financial Services, Inc. has an EV/EBITDA ratio of 27.09x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

CB Financial Services, Inc. is undervalued relative to its fair value price of 47.71 based on Earnings Fair Value model

CB Financial Services, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

CB Financial Services, Inc. has a price-to-book ratio of 1.17x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

CB Financial Services, Inc. has a price-to-sales ratio of 2.60x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue