CB Financial Services, Inc. (CBFV) Fair Value 2026

CBFV · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-08-27, CB Financial Services, Inc. (CBFV) trades at $37.37, versus a $24.47 median fair value across its 6 active models — 34.5% below the current price. QOC: 7.8/10. Value Trap Risk: 20/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CBFV
Price
$37.37
Quality Score
7.8/10
Value Trap Risk
20/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is CB Financial Services, Inc. (CBFV) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, CB Financial Services, Inc. (CBFV) appears overvalued as of : the median of 6 independent fair value estimates is $24.47, 34.5% below the current price of $37.37. Estimates range from $14.06 to $51.49. CBFV scores 7.8/10 on fundamental quality and 20/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CBFV’s -34.5% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy CB Financial Services, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CBFV?

6 Intrinsic Value Models vs. Current Price ($37.37)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $20.76 -44.4%
Ensemble · Low Conviction
 $25.09 -32.9%
Intrinsic · High Conviction
 $31.49 -15.7%
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What Is CBFV's Fair Value Range?

Spread across 6 independent models · $14.06 to $51.49

CirclFi's 6 active models place CB Financial Services, Inc. (CBFV) between $14.06 and $51.49 per share, a spread of 153% of the median. The median of that range — $24.47 — is the fair value CirclFi publishes for CBFV, against a current price of $37.37.

Low · ML-RIVHigh · Regime Cross
$14.06median $24.47$51.49
Where the range comes from
Most bearish modelML Residual Income$14.06
Most bullish modelRegime Cross-Sectional$51.49
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CBFV. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CBFV, not a CirclFi price target. How each model works →

What Is CB Financial Services, Inc. (CBFV) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, CB Financial Services, Inc.'s intrinsic value is estimated at $24.47, suggesting the stock is overvalued at its current price of $37.37. With 5 out of 6 models flagging downside (-34.5% vs price), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at +37.8% (fair value: $51.49), while ML-RIV is the most conservative at -62.4% ($14.06). The spread between these extremes — +100.2% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About CBFV?

6 of 13 models are currently active for CBFV. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for CBFV is $24.47 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CBFV Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CBFV ranks #227 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a financial institution, CB Financial Services, Inc. operates in a sector where CET1 capital ratio is a critical driver of valuation. Investors evaluating CBFV should weigh these sector-specific dynamics alongside our model-derived fair values.

Is CBFV a Value Trap?

CirclFi's Value Trap algorithm assigns CBFV a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for CB Financial Services, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, CB Financial Services, Inc.'s fundamental quality profile registers 7.8/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +100.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CBFV valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CBFV's 6 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy CB Financial Services, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FMBMF & M Bank Corp.QOC 7.8USBU.S. BancorpQOC 7.8PEBKPeoples Bancorp of North Carolina, Inc.QOC 7.8STLESteele Bancorp Inc.QOC 7.8NKSHNational Bankshares, Inc.QOC 7.8LCNBLCNB Corp.QOC 7.8FGBIFirst Guaranty Bancshares, Inc.QOC 6.7CASHPathward Financial, Inc.QOC 8.5CUBICustomers Bancorp, Inc.QOC 8.2ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FMBM · USB · PEBK · STLE · NKSH · LCNB · FGBI · CASH · CUBI · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CBFV?

7 companies across all industries closest to CBFV’s Quality of Company score of 7.8/10.

BYDBoyd Gaming CorporationQOC 7.8MBCMasterBrand, Inc.QOC 7.8NPKINPK International Inc.QOC 7.8LWLamb Weston Holdings, Inc.QOC 7.8MMacy's, Inc.QOC 7.8SHAKShake Shack Inc.QOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BYD · MBC · NPKI · LW · M · SHAK · NVDA

Where Does CBFV Sit in CirclFi's Banks - Regional Rankings?

CBFV is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About CB Financial Services, Inc.’s Valuation?

What is CB Financial Services, Inc.'s intrinsic value in 2026?

CirclFi puts CB Financial Services, Inc. (CBFV)'s intrinsic value at $24.47 — the median of 6 independent model estimates as of 2026-08-27, ranging from $14.06 to $51.49. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CBFV overvalued or undervalued right now?

At $37.37, 1 of 6 active models suggest CBFV may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $24.47, 34.5% below the current price of $37.37 — a consensus view that CBFV is overvalued. The assessment depends on which methodology best fits CB Financial Services, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.8 mean for CBFV?

CB Financial Services, Inc.'s QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CBFV?

CirclFi analyzes CBFV with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CBFV?

Of the 6 models currently active on CBFV, Regime Cross-Sectional is the most bullish at $51.49 per share, and ML Residual Income is the most bearish at $14.06. CirclFi's published fair value for CBFV is the median of that range, $24.47, not either extreme. The gap between the two ends equals 153% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CBFV a value trap in 2026?

CB Financial Services, Inc.'s Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, CB Financial Services, Inc. (CBFV) has a median fair value of $24.47 — 34.5% below the current price of $37.37 — as of 2026-08-27.” Source: circlfi.com/stock/CBFV/ · Methodology
Primary sources for this CBFV valuation
  • Financial statements: CB Financial Services, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001605301) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CBFV as of ; valuations recomputed .

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