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CB Financial ServicesCBFV -0.77%59 Debt-to-Equity is 0.63 as of Jun. 2026, which is 186% above its 10-year median of 0.22. GuruFocus rates CBFV with a GF Score™ of 59/100 and a GF Value™ of $34.23 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,411 Banks companies, CB Financial Services ranks worse than 51.88% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CB Financial Services's Debt-to-Equity or its related term are showing as below:
CBFV'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05 Med: 0.22 Max: 1.05
Current: 0.62
During the past 13 years, the highest Debt-to-Equity Ratio of CB Financial Services was 1.05. The lowest was 0.05. And the median was 0.22.
CBFV's Debt-to-Equity is ranked worse than 51.88% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs CBFV: 0.62
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CB Financial Services Debt-to-Equity Related Terms
CB Financial Services Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CB Financial Services's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CBFV vs SABK, BMBN, TYFG: Debt-to-Equity Comparison
For the Banks - Regional subindustry, CB Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CB Financial Services Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CB Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CB Financial Services's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CB Financial Services (CBFV) has a Debt-to-Equity of 0.63 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CB Financial Services and its competitors. This is 186% above median its historical median of 0.22. Over the past decade, CB Financial Services' Debt-to-Equity has ranged from 0.05 to 1.05. According to the industry distribution chart, CB Financial Services ranks #732 out of 1411 companies in the Banks industry, placing it in the top 51.9%.
Is CB Financial Services' Debt-to-Equity too high?
CB Financial Services' current Debt-to-Equity of 0.63 is 186% above median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 1.05. The Banks industry median Debt-to-Equity is 0.58. CB Financial Services' value of 0.63 is 8.6% above this industry median. Based on the distribution chart, CB Financial Services ranks #732 out of 1411 companies in the Banks industry, which is below the industry midpoint. Overall, CB Financial Services has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CB Financial Services' Debt-to-Equity compare to SABK and BMBN?
According to the Banks industry distribution chart, CB Financial Services ranks #732 out of 1411 companies for Debt-to-Equity. This places CB Financial Services in the lower half of its industry. The industry median Debt-to-Equity is 0.58. CB Financial Services' value of 0.63 is 8.6% above this benchmark. Historically, CB Financial Services' own Debt-to-Equity has ranged from 0.05 to 1.05 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.58, CB Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CB Financial Services's current Debt-to-Equity of 0.63 is 8.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CB Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Financial Services's current Debt-to-Equity is 0.63, which is 186% above median its own 10-year median of 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Financial Services stock overvalued right now?
Based on GuruFocus' analysis, CB Financial Services (CBFV) is currently considered Fairly Valued. The stock's GF Value™ is $34.23, compared to a current price of $37.33 — trading 9.1% above its estimated fair value. The current Debt-to-Equity is 0.63, which is 186% above median its 10-year median of 0.22 and 8.6% above the Banks industry median of 0.58. CB Financial Services' overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CB Financial Services (CBFV), the current Debt-to-Equity is 0.63 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CB Financial Services (CBFV) Overvalued in 2026?
Based on GuruFocus' analysis, CB Financial Services stock appears to be overvalued.
The current stock price of $37.33 is trading 9.1% above its estimated GF Value™ of $34.23.
GuruFocus considers CB Financial Services to be Fairly Valued.
Key valuation signals for CBFV:
Debt-to-Equity: 0.63 (186% above median its 10-year median of 0.22)
GF Value™: $34.23 vs. price of $37.33 (9.1% above fair value)
Industry Position: 8.6% above the Banks median (#732 of 1411)
No single metric tells the full story. See the CBFV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB Financial Services Incis a bank holding company headquartered in Carmichaels, Pennsylvania. The company had one reportable segment, community banking services. The Bank also has a loan production office in Allegheny County, a loan production office and a corporate center in Washington County, and an operations center in Greene County, Pennsylvania. The Bank is a community-oriented institution offering residential and commercial real estate loans, commercial and industrial loans, and consumer loans, as well as a variety of deposit products for individuals and businesses in its market area.
59GF Score
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