CB Financial ServicesCBFV -2.70%58 Return-on-Tangible-Equity is 10.42% as of Mar. 2026, which is 10% above its 10-year median of 9.51. 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 1,521 Banks companies, CB Financial Services ranks worse than 84.35% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. CB Financial Services's annualized net income for the quarter that ended in Mar. 2026 was $15.47 Mil. CB Financial Services's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $148.41 Mil. Therefore, CB Financial Services's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.42%.
The historical rank and industry rank for CB Financial Services's Return-on-Tangible-Equity or its related term are showing as below:
CBFV'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.31 Med: 9.51 Max: 19.95
Current: 4.78
During the past 13 years, CB Financial Services's highest Return-on-Tangible-Equity was 19.95%. The lowest was -9.31%. And the median was 9.51%.
CBFV's Return-on-Tangible-Equity is ranked worse than 84.35% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs CBFV: 4.78
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
CB Financial Services Return-on-Tangible-Equity Related Terms
CB Financial Services Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for CB Financial Services's Return-on-Tangible-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 FXLG, CSBB, RBKB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, CB Financial Services's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CB Financial Services's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CB Financial Services's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.42% mean?
CB Financial Services (CBFV) has a Return-on-Tangible-Equity of 10.42% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CB Financial Services and its competitors. This is 10% above median its historical median of 9.51. According to the industry distribution chart, CB Financial Services ranks #1283 out of 1521 companies in the Banks industry, placing it in the top 84.4%.
Is CB Financial Services' Return-on-Tangible-Equity too high?
CB Financial Services' current Return-on-Tangible-Equity of 10.42% is 10% above median its 10-year median of 9.51. The Banks industry median Return-on-Tangible-Equity is 11.19. CB Financial Services' value of 10.42% is 6.9% below this industry median. Based on the distribution chart, CB Financial Services ranks #1283 out of 1521 companies in the Banks industry, which is in the bottom quartile 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' Return-on-Tangible-Equity compare to FXLG and CSBB?
According to the Banks industry distribution chart, CB Financial Services ranks #1283 out of 1521 companies for Return-on-Tangible-Equity. This places CB Financial Services in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. CB Financial Services' value of 10.42% is 6.9% below this benchmark. While the company's 10-year median is 9.51 vs. the industry median of 11.19, CB Financial Services has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CB Financial Services's current Return-on-Tangible-Equity of 10.42% is 6.9% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CB Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Financial Services's current Return-on-Tangible-Equity is 10.42%, which is 10% above median its own 10-year median of 9.51. 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 Return-on-Tangible-Equity is 10.42%, which is 10% above median its 10-year median of 9.51 and 6.9% below the Banks industry median of 11.19. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For CB Financial Services (CBFV), the current Return-on-Tangible-Equity is 10.42% as of Mar. 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:
Return-on-Tangible-Equity: 10.42% (10% above median its 10-year median of 9.51)
GF Value™: $30.10 vs. price of $36.69 (21.9% above fair value)
Industry Position: 6.9% below the Banks median (#1283 of 1521)
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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