CBFV (CB Financial Services) Moat Score: 4/10 (As of Jul. 11, 2026)


CBFV CB Financial Services Inc CBFV
58 GF Score
Price $36.69
GF Value $30.10
Valuation Modestly Overvalued
! 5 Warning Signs
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What is CB Financial Services Moat Score?

CB Financial Services CBFV -2.70% 58 Moat Score is 4 as of Jul. 11, 2026. GuruFocus rates CBFV with a GF Score™ of 58/100 and a GF Value™ of $30.10 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,608 Banks companies, CB Financial Services ranks better than 86.19% on this metric.

CB Financial Services has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

CB Financial Services has Narrow Moat: CB Financial Services Inc has a discernible but modest moat due to its regional market presence and customer loyalty. While it benefits from some economies of scale, it lacks significant network effects or strong brand strength. The company's competitive advantages are not robust enough to be considered wide.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CB Financial Services might have Narrow Moat - Discernible but modest moat.

CB Financial Services  (NAS:CBFV) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CB Financial Services Moat Score Related Terms

CBFV vs FXLG, CSBB, RBKB: Moat Score Comparison

For the Banks - Regional subindustry, CB Financial Services's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, CB Financial Services's Moat Score distribution charts can be found below:

* The bar in red indicates where CB Financial Services's Moat Score falls into.


CBFV
58GF Score
CB Financial Services Inc CBFV
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
CB Financial Services (CBFV) has a Moat Score of 4 as of Jul. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, CB Financial Services ranks #222 out of 1608 companies in the Banks industry, placing it in the top 13.8%.
Is CB Financial Services' Moat Score too high?
CB Financial Services' current Moat Score is 4. Based on the distribution chart, CB Financial Services ranks #222 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CB Financial Services has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CB Financial Services' Moat Score compare to FXLG and CSBB?
According to the Banks industry distribution chart, CB Financial Services ranks #222 out of 1608 companies for Moat Score. This places CB Financial Services in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. CB Financial Services's current Moat Score is 4. 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 Modestly Overvalued. The stock's GF Value™ is $30.10, compared to a current price of $36.69 — trading 21.9% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For CB Financial Services (CBFV), the current Moat Score is 4 as of Jul. 11, 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 $36.69 is trading 21.9% above its estimated GF Value™ of $30.10. GuruFocus considers CB Financial Services to be Modestly Overvalued.

Key valuation signals for CBFV:

  • Moat Score: 4
  • GF Value™: $30.10 vs. price of $36.69 (21.9% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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 Business Description

Address 100 North Market Street, Carmichaels, PA, USA, 15320
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$36.69
Price
$30.10
GF Value