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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CB Financial Services's Enterprise Value is €182.03 Mil.
CB Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €13.78 Mil. Therefore, CB Financial Services's EV-to-FCF for today is 13.21.
The historical rank and industry rank for CB Financial Services's EV-to-FCF or its related term are showing as below:
FRA:M8M'
s EV-to-FCF Range Over the Past 10 Years
Min: -22.43 Med: 7.26 Max: 47.68
Current: 13.11
During the past 13 years, the highest EV-to-FCF of CB Financial Services was 47.68. The lowest was -22.43. And the median was 7.26.
FRA:M8M's EV-to-FCF is ranked worse than 69% of 1200
companies
in the Banks industry
Industry Median: 7.22
vs FRA:M8M: 13.11
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CB Financial Services's PE Ratio (TTM) for today is calculated as:
CB Financial Services's share price for today is €32.65.
CB Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.114.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, CB Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, CB Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CB Financial Services's EV-to-FCF falls into.
CB Financial Services's current Enterprise Value is €182.03 Mil.
CB Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €13.78 Mil.
* 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 (FRA:M8M) has a EV-to-FCF of 13.21 as of Aug. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CB Financial Services and its competitors. This is 82% above median its historical median of 7.26. According to the industry distribution chart, CB Financial Services ranks #828 out of 1200 companies in the Banks industry, placing it in the top 69%.
Is CB Financial Services' EV-to-FCF too high?
CB Financial Services' current EV-to-FCF of 13.21 is 82% above median its 10-year median of 7.26. The Banks industry median EV-to-FCF is 7.22. CB Financial Services' value of 13.21 is 83% above this industry median. Based on the distribution chart, CB Financial Services ranks #828 out of 1200 companies in the Banks industry, which is below the industry midpoint. Overall, CB Financial Services has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CB Financial Services' EV-to-FCF compare to FGFH and ARBV?
According to the Banks industry distribution chart, CB Financial Services ranks #828 out of 1200 companies for EV-to-FCF. This places CB Financial Services in the lower half of its industry. The industry median EV-to-FCF is 7.22. CB Financial Services' value of 13.21 is 83% above this benchmark. While the company's 10-year median is 7.26 vs. the industry median of 7.22, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.22, based on 1,200 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CB Financial Services's current EV-to-FCF of 13.21 is 83% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CB Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 7.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Financial Services's current EV-to-FCF is 13.21, which is 82% above median its own 10-year median of 7.26. 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?
CB Financial Services (FRA:M8M) has a current EV-to-FCF of 13.21. The stock's GF Value™ is €27.65, compared to a current price of €32.65 — trading 18.1% above its estimated fair value. The current EV-to-FCF is 13.21, which is 82% above median its 10-year median of 7.26 and 83% above the Banks industry median of 7.22. CB Financial Services' overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For CB Financial Services (FRA:M8M), the current EV-to-FCF is 13.21 as of Aug. 03, 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 (FRA:M8M) Overvalued in 2026?
Based on GuruFocus' analysis, CB Financial Services stock appears to be overvalued.
The current stock price of €32.65 is trading 18.1% above its estimated GF Value™ of €27.65.
Key valuation signals for FRA:M8M:
EV-to-FCF: 13.21 (82% above median its 10-year median of 7.26)
GF Value™: €27.65 vs. price of €32.65 (18.1% above fair value)
Industry Position: 83% above the Banks median (#828 of 1200)
No single metric tells the full story. See the FRA:M8M 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.
58GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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