CBFV
CB Financial Services, Inc.
Banks - Regional
Market Cap$190M
5Y Perf.+71.9%
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Side-by-side financial analysisCBFV
MNSB
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Stock Comparison
CBFV vs MNSB
Revenue, margins, valuation, and 5-year total return — side by side.
MNSB
MainStreet Bancshares, Inc.
Banks - Regional
Market Cap$184M
5Y Perf.+88.9%
CBFV vs MNSB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  CBFV |  MNSB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $190M | $184M |
| Revenue (TTM) | $69M | $135M |
| Net Income (TTM) | $5M | $16M |
| Gross Margin | 62.5% | 54.3% |
| Operating Margin | 7.7% | 14.1% |
| Forward P/E | 12.6x | 11.0x |
| Total Debt | $35M | $70M |
| Cash & Equiv. | $32M | $26M |
CBFV vs MNSB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CBFV
MNSB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| CB Financial Servic… (CBFV) | 100 | 171.9 | +71.9% |
| MainStreet Bancshar… (MNSB) | 100 | 188.9 | +88.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CBFV vs MNSB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MNSB leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. CB Financial Services, Inc. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇MNSB emerged as the overall leader. Track its performance:
CBFV
CB Financial Services, Inc.
The Banking Pick
CBFV is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.41, yield 2.6%
- Lower volatility, beta 0.41, Low D/E 22.1%, current ratio 0.02x
- Beta 0.41, yield 2.6%, current ratio 0.02x
Best for: income & stability and sleep-well-at-night
MNSB
MainStreet Bancshares, Inc.
The Banking Pick
MNSB carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth -1.4%, EPS growth 210.0%
- 135.4% 10Y total return vs CBFV's 114.0%
- -1.4% NII/revenue growth vs CBFV's -13.3%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  MNSB | -1.4% NII/revenue growth vs CBFV's -13.3% |
| Value | MNSB | Lower P/E (11.0x vs 12.6x) |
| Quality / Margins | MNSB | Efficiency ratio 0.4% vs CBFV's 0.5% (lower = leaner) |
| Stability / Safety |  CBFV | Beta 0.41 vs MNSB's 0.60, lower leverage |
| Dividends | CBFV | 2.6% yield, 1-year raise streak, vs MNSB's 1.6% |
| Momentum (1Y) | MNSB | +37.2% vs CBFV's +34.6% |
| Efficiency (ROA) | MNSB | Efficiency ratio 0.4% vs CBFV's 0.5% |
CBFV vs MNSB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
CBFV vs MNSB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMNSBLAGGINGCBFV
CBFVCB Financial Services…
1leads
MNSBMainStreet Bancshares…
3leads
6 Total Categories
CATEGORYLEADERvs CBFVMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
MNSB3/5
Valuation MetricsMultiples, price ratios, and targets
MNSB5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MNSB5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
CBFV2/2
Income & Cash Flow (Last 12 Months)
MNSB leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MNSB is the larger business by revenue, generating $135M annually — 2.0x CBFV's $69M. Profitability is closely matched — net margins range from 11.5% (MNSB) to 7.1% (CBFV).
| Metric | CBFVCB Financial Serv… | MNSBMainStreet Bancsh… |
|---|---|---|
| RevenueTrailing 12 months | $69M | $135M |
| EBITDAEarnings before interest/tax | $7M | $23M |
| Net IncomeAfter-tax profit | $5M | $16M |
| Free Cash FlowCash after capex | $17M | $11M |
| Gross MarginGross profit ÷ Revenue | +62.5% | +54.3% |
| Operating MarginEBIT ÷ Revenue | +7.7% | +14.1% |
| Net MarginNet income ÷ Revenue | +7.1% | +11.5% |
| FCF MarginFCF ÷ Revenue | +24.8% | +7.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +93.5% | +120.9% |
MNSB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
MNSB leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 14.2x trailing earnings, MNSB trades at a 65% valuation discount to CBFV's 40.8x P/E. On an enterprise value basis, MNSB's 11.9x EV/EBITDA is more attractive than CBFV's 27.2x.
| Metric | CBFVCB Financial Serv… | MNSBMainStreet Bancsh… |
|---|---|---|
| Market CapShares × price | $190M | $184M |
| Enterprise ValueMkt cap + debt − cash | $193M | $227M |
| Trailing P/EPrice ÷ TTM EPS | 40.78x | 14.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.62x | 11.03x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 27.19x | 11.90x |
| Price / SalesMarket cap ÷ Revenue | 2.77x | 1.35x |
| Price / BookPrice ÷ Book value/share | 1.26x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 11.09x | 17.26x |
MNSB leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
MNSB leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
MNSB delivers a 7.3% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $3 for CBFV. CBFV carries lower financial leverage with a 0.22x debt-to-equity ratio, signaling a more conservative balance sheet compared to MNSB's 0.32x.
| Metric | CBFVCB Financial Serv… | MNSBMainStreet Bancsh… |
|---|---|---|
| ROE (TTM)Return on equity | +3.2% | +7.3% |
| ROA (TTM)Return on assets | +0.3% | +0.7% |
| ROICReturn on invested capital | +2.1% | +5.0% |
| ROCEReturn on capital employed | +2.9% | +6.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.22x | 0.32x |
| Net DebtTotal debt minus cash | $3M | $43M |
| Cash & Equiv.Liquid assets | $32M | $26M |
| Total DebtShort + long-term debt | $35M | $70M |
| Interest CoverageEBIT ÷ Interest expense | 0.21x | 0.31x |
MNSB leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — CBFV and MNSB each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CBFV five years ago would be worth $19,369 today (with dividends reinvested), compared to $11,813 for MNSB. Over the past 12 months, MNSB leads with a +37.2% total return vs CBFV's +34.6%. The 3-year compound annual growth rate (CAGR) favors CBFV at 26.8% vs MNSB's 4.2% — a key indicator of consistent wealth creation.
| Metric | CBFVCB Financial Serv… | MNSBMainStreet Bancsh… |
|---|---|---|
| YTD ReturnYear-to-date | +9.8% | +26.5% |
| 1-Year ReturnPast 12 months | +34.6% | +37.2% |
| 3-Year ReturnCumulative with dividends | +103.8% | +13.1% |
| 5-Year ReturnCumulative with dividends | +93.7% | +18.1% |
| 10-Year ReturnCumulative with dividends | +114.0% | +135.4% |
| CAGR (3Y)Annualised 3-year return | +26.8% | +4.2% |
Evenly matched — CBFV and MNSB each lead in 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — CBFV and MNSB each lead in 1 of 2 comparable metrics.
Risk & Volatility
CBFV is the less volatile stock with a 0.41 beta — it tends to amplify market swings less than MNSB's 0.60 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | CBFVCB Financial Serv… | MNSBMainStreet Bancsh… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.41x | 0.60x |
| 52-Week HighHighest price in past year | $37.92 | $25.17 |
| 52-Week LowLowest price in past year | $27.11 | $17.86 |
| % of 52W HighCurrent price vs 52-week peak | +98.9% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 67.1 | 65.3 |
| Avg Volume (50D)Average daily shares traded | 4K | 45K |
Evenly matched — CBFV and MNSB each lead in 1 of 2 comparable metrics.
Analyst Outlook
CBFV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CBFV as "Hold" and MNSB as "Hold". For income investors, CBFV offers the higher dividend yield at 2.58% vs MNSB's 1.60%.
| Metric | CBFVCB Financial Serv… | MNSBMainStreet Bancsh… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 3 | 1 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +1.6% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $0.97 | $0.40 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.6% | +2.4% |
CBFV leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
MNSB leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). CBFV leads in 1 (Analyst Outlook). 2 tied.
Best OverallMainStreet Bancshares, Inc. (MNSB)Leads 3 of 6 categories
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CBFV vs MNSB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CBFV or MNSB a better buy right now?
For growth investors, MainStreet Bancshares, Inc.
(MNSB) is the stronger pick with -1. 4% revenue growth year-over-year, versus -13. 3% for CB Financial Services, Inc. (CBFV). MainStreet Bancshares, Inc. (MNSB) offers the better valuation at 14. 2x trailing P/E (11. 0x forward), making it the more compelling value choice. Analysts rate CB Financial Services, Inc. (CBFV) a "Hold" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CBFV or MNSB?
On trailing P/E, MainStreet Bancshares, Inc.
(MNSB) is the cheapest at 14. 2x versus CB Financial Services, Inc. at 40. 8x. On forward P/E, MainStreet Bancshares, Inc. is actually cheaper at 11. 0x.
03Which is the better long-term investment — CBFV or MNSB?
Over the past 5 years, CB Financial Services, Inc.
(CBFV) delivered a total return of +93. 7%, compared to +18. 1% for MainStreet Bancshares, Inc. (MNSB). Over 10 years, the gap is even starker: MNSB returned +135. 4% versus CBFV's +114. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CBFV or MNSB?
By beta (market sensitivity over 5 years), CB Financial Services, Inc.
(CBFV) is the lower-risk stock at 0. 41β versus MainStreet Bancshares, Inc. 's 0. 60β — meaning MNSB is approximately 45% more volatile than CBFV relative to the S&P 500. On balance sheet safety, CB Financial Services, Inc. (CBFV) carries a lower debt/equity ratio of 22% versus 32% for MainStreet Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CBFV or MNSB?
By revenue growth (latest reported year), MainStreet Bancshares, Inc.
(MNSB) is pulling ahead at -1. 4% versus -13. 3% for CB Financial Services, Inc. (CBFV). On earnings-per-share growth, the picture is similar: MainStreet Bancshares, Inc. grew EPS 210. 0% year-over-year, compared to -61. 3% for CB Financial Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CBFV or MNSB?
MainStreet Bancshares, Inc.
(MNSB) is the more profitable company, earning 11. 5% net margin versus 7. 1% for CB Financial Services, Inc. — meaning it keeps 11. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MNSB leads at 14. 0% versus 7. 7% for CBFV. At the gross margin level — before operating expenses — CBFV leads at 62. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CBFV or MNSB more undervalued right now?
On forward earnings alone, MainStreet Bancshares, Inc.
(MNSB) trades at 11. 0x forward P/E versus 12. 6x for CB Financial Services, Inc. — 1. 6x cheaper on a one-year earnings basis.
08Which pays a better dividend — CBFV or MNSB?
All stocks in this comparison pay dividends.
CB Financial Services, Inc. (CBFV) offers the highest yield at 2. 6%, versus 1. 6% for MainStreet Bancshares, Inc. (MNSB).
09Is CBFV or MNSB better for a retirement portfolio?
For long-horizon retirement investors, CB Financial Services, Inc.
(CBFV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 41), 2. 6% yield, +114. 0% 10Y return). Both have compounded well over 10 years (CBFV: +114. 0%, MNSB: +135. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CBFV and MNSB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CBFV is a small-cap quality compounder stock; MNSB is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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