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Stock Ratings / Financials / CBFV / news
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Why CBFV Stock advanced +0.75% Today — RQD Quant Desk Flash

$40.41 +0.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $40.39

CB Financial Services Inc. (CBFV) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $203.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CBFV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, CB Financial Services Inc. (NASDAQ: CBFV) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $40.41 (+0.75% 1D, market cap $203.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CBFV ranks #320 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CBFV compare to LARK and SBFG in the Financials sector?
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Within the Financials sector (Major Banks), CBFV carries a Roarable C (63/100 RQD), trailing P/E of 41.7x, gross margin of —, and ROIC of 3.1%. By comparison, LARK (Landmark Bancorp Inc.) holds a C grade (62/100 RQD, P/E N/A, ROIC 0.0%, cap $197.4M) and SBFG (SB Financial Group Inc.) posts a B grade (72/100 RQD, P/E 14.0x, ROIC 9.9%, cap $196.5M). Among the 5-stock peer group, MRBK leads on earnings multiple (10.4x) while GBFH leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CBFV?
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Per CBFV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001605301), CB Financial Services Inc. generated $650.0M in revenue (+4.5% YoY), $4.9M in net income, and $17.2M in free cash flow against $1.55B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Priced at 42x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $40.39 (-0.05%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C
Cash (12)Whales (13)SEC (13)Macro (13)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$49 Bull$41 Base$32 Bear
📬 FREE CBFV RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBFV)Realized 20D OHLCV Swing Band: ±3.5%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY CBFV SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+13/20 pts (21% of score)

20D Institutional Volume Accumulation (±3.5% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$37.51+0.1% Next Q
Q2 (-2Q)
58
Grade C$37.55+7.6% Next Q
Q3 (-1Q)
60
Grade C$40.39+0% Next Q
Current
63
Grade C$40.41+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CBFV Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, CBFV faces multiple-compression risk if 41.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 42x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.73) or 200D SMA ($36.31) invalidates the momentum regime and cuts Target Base ($41.32) toward Bear Floor ($32.23).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CBFV• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CBFV Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why CBFV Stock advanced +0.75% Today — RQD Quant Desk Flash

CB Financial Services Inc. (CBFV) advanced +0.75% to $40.41, trading at 99% of its 52-week range ($31.72 – $40.41). Solid steady margins (3% return on capital), mixed timing at 42x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 99% of its 52-week range ($31.72 – $40.41) with RSI-14 at 65.1 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±3.5% around $40.41 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $17.2M annual free cash flow.
Live CBFV Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CBFV Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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CBFV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.22%▲ RESISTANCE BREAKOUT
2026-11-04O $39.67H $40.41L $39.67C $40.41VOL 30.4K
RES: $40.11SUP: $36.62SMA50: $37.73SMA200: $36.31
$40.87$38.97$37.06$35.16$33.26RES $40.11SUP $36.62$40.412026-05-052026-06-182026-08-052026-09-182026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBFV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CBFV Butterfly Map → + Track CBFV →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
31.5%/yr Implied 5Y Growth

vs. +4.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CBFV today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CBFV. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CBFV today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBFV)

Financials Rank #320 of 1097 ⚔️ LARK vs CBFV Full Matrix →

1. Head-to-Head Financials Peer Comparison (CBFV vs. LARK, SBFG, MRBK, GBFH)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, CB Financial Services Inc. (CBFV) ranks #320 by composite RQD confidence (63/100, grade C) and #880 by equity capitalization ($203.8M). Within this direct 5-issuer industry benchmark cohort, MRBK leads on earnings valuation at 10.4x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. SBFG currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with CBFV at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CBFV ACTIVE
CB Financial Services Inc.
C 63/100 41.7x — 3.1% +0.75% $203.8M Benchmark Subject
LARK
Landmark Bancorp Inc.
C 62/100 — — 0.0% -1.39% $197.4M /lark-vs-cbfv →
SBFG
SB Financial Group Inc.
B 72/100 14.0x — 9.9% -2.89% $196.5M /sbfg-vs-cbfv →
MRBK
Meridian Corporation
C- 61/100 10.4x — 10.9% -6.14% $221.5M /mrbk-vs-cbfv →
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x — 12.6% -1.04% $222.4M /gbfh-vs-cbfv →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001605301 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), CB Financial Services Inc. (CBFV) reported GAAP revenue of $650.0M (+4.5% vs. FY2024 revenue of $622.3M , and +540.6% cumulative change since FY2023) , GAAP net income of $4.9M, operating cash flow of $17.8M, and free cash flow of $17.2M (+399.5% YoY). On the balance sheet, CBFV closed FY2025 with $1.55B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $650.0M $4.9M $17.8M $17.2M $1.55B —
FY2024 (FY) 2024-12-31 $622.3M $12.6M $6.8M $3.4M $1.48B —
FY2023 (FY) 2023-12-31 $101.5M $22.6M $14.2M $14.2M — —

3. CBFV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBFV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, CB Financial Services Inc. (NASDAQ: CBFV) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $40.41 (+0.75% 1D, market cap $203.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, CBFV ranks #320 in composite RQD confidence.

How does CBFV compare to LARK and SBFG in the Financials sector?

Within the Financials sector (Major Banks), CBFV carries a Roarable C (63/100 RQD), trailing P/E of 41.7x, gross margin of —, and ROIC of 3.1%. By comparison, LARK (Landmark Bancorp Inc.) holds a C grade (62/100 RQD, P/E N/A, ROIC 0.0%, cap $197.4M) and SBFG (SB Financial Group Inc.) posts a B grade (72/100 RQD, P/E 14.0x, ROIC 9.9%, cap $196.5M). Among the 5-stock peer group, MRBK leads on earnings multiple (10.4x) while GBFH leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CBFV?

Per CBFV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001605301), CB Financial Services Inc. generated $650.0M in revenue (+4.5% YoY), $4.9M in net income, and $17.2M in free cash flow against $1.55B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Priced at 42x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CBFV trading relative to its 50-day, 200-day, and 52-week technical levels?

CBFV last traded at $40.41 (+0.75% on volume of 14,745 shares), positioning the stock +7.10% above its 50-day simple moving average ($37.73) and +11.29% above its 200-day simple moving average ($36.31). Across its 52-week range of $31.72 to $40.39, CBFV sits at the 100.0% percentile with a 14-day RSI of 65.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.5% ($39.00 to $41.82).

Direct Sub-Reports: CBFV RQD Cockpit CBFV 12M Forecast CBFV Earnings & Move CBFV Dividends & DRIP CBFV Insiders & 13F CBFV Whale Options CBFV Profit Sankey CBFV News & Why
ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

CBFV — CB Financial Services Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

CB Financial Services Inc. (CBFV) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $40.41 (+0.75% 1D, market capitalization $203.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 3.1%, gross margin of —, operating margin of —, and free cash flow yield of 8.40%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

CB Financial Services Inc. Is a NASDAQ-listed issuer in the Financials sector, Major Banks industry..2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), CB Financial Services Inc. (CBFV) reported $650.0M in annual revenue (up from $622.3M in FY2024, +4.5% YoY) and $4.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($101.5M revenue, $22.6M net income) through FY2025, CBFV scaled operating cash flow to $17.8M and free cash flow to $17.2M, backed by $1.55B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 63/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 8.40% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $31.72 – $40.39 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Priced at 42x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 41.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), CBFV carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can CBFV sustain or expand its — operating margin and 3.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $650.0M and free cash flow of $17.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CBFV's 38.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CBFV Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for CB Financial Services Inc. (CBFV) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CBFV Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CBFV Bull vs. Bear Conversation Board — What's Your Call at $40.41?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CBFV 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CBFV:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeltaGamma_99 RQD DEBATE OPENER • Options Flow Specialist 🐂 BULLISH 🎯 Target: $46.02 (+16.0%)
📌 Pinned Debate

The RQD Macro Regime Fit pillar scores 15 of 20 on a beta of 1.0 and an 8.4% FCF yield, while a recent headline credits a Q3 earnings r

Picked up a starter position in CBFV in my $100K Virtual Cash book at $39.67. The RQD Macro Regime Fit pillar scores 15 of 20 on a beta of 1.0 and an 8.4% FCF yield, while a recent headline credits a Q3 earnings rebound.. Trading inside a $31.72–$40.39 52-week range with 8.4% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

EarningsSniper 🐂 BULL

Both sides have a point here — CBFV's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $30.94 (-22.0%)
Spot @ $39.67

Reported net income fell from $22.6M in FY 2023 to $4.9M in FY 2025 while the P/E (TTM) sits at 41.7 against an ROIC of 3.1%.

Careful chasing CBFV at $39.67. Reported net income fell from $22.6M in FY 2023 to $4.9M in FY 2025 while the P/E (TTM) sits at 41.7 against an ROIC of 3.1%.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $30.94 on multiple compression.

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