CB Financial ServicesCBFV -2.70%58 PB Ratio is 1.17 as of Jul. 11, 2026, which is 17% above its 10-year median of 1.00. 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 1,515 Banks companies, CB Financial Services ranks worse than 57.43% on this metric.
CB Financial Services Inc stock PB Ratio (=1.2) is close to 5-year high of 1.23.
The historical rank and industry rank for CB Financial Services's PB Ratio or its related term are showing as below:
CBFV'
s PB Ratio Range Over the Past 10 Years
Min: 0.61 Med: 1 Max: 1.58
Current: 1.16
During the past 13 years, CB Financial Services's highest PB Ratio was 1.58. The lowest was 0.61. And the median was 1.00.
CBFV's PB Ratio is ranked worse than 57.43% of 1515
companies
in the Banks industry
Industry Median: 1.1
vs CBFV: 1.16
During the past 12 months, CB Financial Services's average Book Value Per Share Growth Rate was 7.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CB Financial Services was 19.20% per year. The lowest was -7.90% per year. And the median was 4.30% per year.
Back to Basics: PB Ratio
CB Financial Services (NAS:CBFV) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CB Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where CB Financial Services's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CB Financial Services (CBFV) has a PB Ratio of 1.17 as of Jul. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CB Financial Services and its competitors. This is 17% above median its historical median of 1.00. Over the past decade, CB Financial Services' PB Ratio has ranged from 0.61 to 1.58. According to the industry distribution chart, CB Financial Services ranks #870 out of 1515 companies in the Banks industry, placing it in the top 57.4%.
Is CB Financial Services' PB Ratio too high?
CB Financial Services' current PB Ratio of 1.17 is 17% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.58. The Banks industry median PB Ratio is 1.10. CB Financial Services' value of 1.17 is 6.4% above this industry median. Based on the distribution chart, CB Financial Services ranks #870 out of 1515 companies in the Banks industry, which is below the industry midpoint. 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' PB Ratio compare to FXLG and CSBB?
According to the Banks industry distribution chart, CB Financial Services ranks #870 out of 1515 companies for PB Ratio. This places CB Financial Services in the lower half of its industry. The industry median PB Ratio is 1.10. CB Financial Services' value of 1.17 is 6.4% above this benchmark. Historically, CB Financial Services' own PB Ratio has ranged from 0.61 to 1.58 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CB Financial Services's current PB Ratio of 1.17 is 6.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CB Financial Services and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Financial Services's current PB Ratio is 1.17, which is 17% above median its own 10-year median of 1.00. 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 PB Ratio is 1.17, which is 17% above median its 10-year median of 1.00 and 6.4% above the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CB Financial Services (CBFV), the current PB Ratio is 1.17 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:
PB Ratio: 1.17 (17% above median its 10-year median of 1.00)
GF Value™: $30.10 vs. price of $36.69 (21.9% above fair value)
Industry Position: 6.4% above the Banks median (#870 of 1515)
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.
58GF Score
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