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CB Financial ServicesCBFV -2.63%58 5-Year Yield-on-Cost % is 3.15 as of Aug. 02, 2026, which is 21% below its 10-year median of 4.00. GuruFocus rates CBFV with a GF Score™ of 58/100 and a GF Value™ of $31.12 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,251 Banks companies, CB Financial Services ranks worse than 62.75% on this metric.
CB Financial Services's yield on cost for the quarter that ended in Mar. 2026 was 3.15.
The historical rank and industry rank for CB Financial Services's 5-Year Yield-on-Cost % or its related term are showing as below:
CBFV'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.62 Med: 4 Max: 5.92
Current: 3.15
During the past 13 years, CB Financial Services's highest Yield on Cost was 5.92. The lowest was 2.62. And the median was 4.00.
CBFV's 5-Year Yield-on-Cost % is ranked worse than 62.75% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs CBFV: 3.15
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
CB Financial Services 5-Year Yield-on-Cost % Related Terms
CBFV vs FGFH, ARBV, CPKF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, CB Financial Services's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, CB Financial Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where CB Financial Services's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
CB Financial Services (CBFV) has a 5-Year Yield-on-Cost % of 3.15 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CB Financial Services and its competitors. This is 21% below median its historical median of 4.00. Over the past decade, CB Financial Services' 5-Year Yield-on-Cost % has ranged from 2.62 to 5.92. According to the industry distribution chart, CB Financial Services ranks #785 out of 1251 companies in the Banks industry, placing it in the top 62.7%.
Is CB Financial Services' 5-Year Yield-on-Cost % too high?
CB Financial Services' current 5-Year Yield-on-Cost % of 3.15 is 21% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.62 to a high of 5.92. The Banks industry median 5-Year Yield-on-Cost % is 3.84. CB Financial Services' value of 3.15 is 18% below this industry median. Based on the distribution chart, CB Financial Services ranks #785 out of 1251 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' 5-Year Yield-on-Cost % compare to FGFH and ARBV?
According to the Banks industry distribution chart, CB Financial Services ranks #785 out of 1251 companies for 5-Year Yield-on-Cost %. This places CB Financial Services in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. CB Financial Services' value of 3.15 is 18% below this benchmark. Historically, CB Financial Services' own 5-Year Yield-on-Cost % has ranged from 2.62 to 5.92 over the past decade. While the company's 10-year median is 4.00 vs. the industry median of 3.84, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CB Financial Services's current 5-Year Yield-on-Cost % of 3.15 is 18% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CB Financial Services and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Financial Services's current 5-Year Yield-on-Cost % is 3.15, which is 21% below median its own 10-year median of 4.00. 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 $31.12, compared to a current price of $36.75 — trading 18.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.15, which is 21% below median its 10-year median of 4.00 and 18% below the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For CB Financial Services (CBFV), the current 5-Year Yield-on-Cost % is 3.15 as of Aug. 02, 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 $36.75 is trading 18.1% above its estimated GF Value™ of $31.12.
GuruFocus considers CB Financial Services to be Modestly Overvalued.
Key valuation signals for CBFV:
5-Year Yield-on-Cost %: 3.15 (21% below median its 10-year median of 4.00)
GF Value™: $31.12 vs. price of $36.75 (18.1% above fair value)
Industry Position: 18% below the Banks median (#785 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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