Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
CB Financial Services, Inc.'s quarterly P/E stands at 9.8x, down 37.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 20.0% YoY to 8.2x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 40.78 | 9.79 | — | 9.63 | 20.32 | 15.53 | 11.65 | 11.11 | 6.59 | 2.36 | 10.29 | 9.58 | 6.87 |
| — | -37.0% | — | -13.3% | +208.3% | +557.6% | +13.2% | +15.9% | -4.1% | -64.3% | +45.6% | -96.6% | -33.6% | |
| P/S Ratio | 2.77 | 2.13 | 5.10 | 1.93 | 2.09 | 1.96 | 1.83 | 1.52 | 1.44 | 3.62 | 1.52 | 1.55 | 1.69 |
| — | +8.7% | +179.0% | +27.2% | +45.4% | -45.8% | +20.0% | -2.4% | -15.0% | +107.5% | -23.2% | -33.9% | -32.7% | |
| P/B Ratio | 1.26 | 1.17 | 1.16 | 1.02 | 1.05 | 1.08 | 1.00 | 0.82 | 0.79 | 0.87 | 0.96 | 0.91 | 0.97 |
| — | +9.2% | +15.6% | +25.3% | +33.7% | +23.0% | +4.9% | -10.0% | -19.5% | -11.9% | -8.5% | -12.3% | -5.0% | |
| P/FCF | 11.09 | 9.78 | 9.78 | 9.80 | 9.91 | 30.04 | 16.90 | — | 12.14 | — | 3.09 | 161.44 | 4.07 |
| — | -67.4% | -42.2% | — | -18.3% | — | +447.3% | — | +198.6% | — | -60.3% | +1005.9% | -61.3% | |
| EV / EBITDA | 27.19 | 8.20 | — | 5.91 | 11.62 | 10.25 | 2.03 | 0.57 | 3.09 | 1.17 | 5.81 | 3.75 | 1.06 |
| — | -20.0% | — | +939.2% | +275.7% | +773.7% | -65.0% | -84.8% | +191.0% | -1.9% | +439.3% | -87.5% | -67.4% | |
| EV / EBIT | 36.48 | 8.92 | — | 6.48 | 13.82 | 11.77 | 2.32 | 0.69 | 3.53 | 1.21 | 7.09 | 4.52 | 1.21 |
| — | -24.2% | — | +839.2% | +291.8% | +871.1% | -67.2% | -84.7% | +192.6% | -10.7% | +474.7% | -98.5% | -68.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
CB Financial Services, Inc.'s operating margin was 24.3% in Q4 2025, up 105.4 pp QoQ and up 9.2 pp YoY. The trailing four-quarter average of -5.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 21.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 62.5% | 69.9% | 24.9% | 68.4% | 65.1% | 57.5% | 59.4% | 61.4% | 67.1% | 48.5% | 69.1% | 73.5% | 83.8% |
| — | +21.6% | -58.1% | +11.4% | -3.0% | +18.5% | -14.0% | -16.5% | -19.9% | -44.5% | -24.0% | +15.8% | -11.1% | |
| Operating Margin | 7.7% | 24.3% | -81.1% | 23.9% | 12.5% | 15.1% | 19.4% | 16.7% | 26.4% | 216.8% | 18.0% | 20.3% | 31.3% |
| — | +60.9% | -517.9% | +43.5% | -52.6% | -93.0% | +7.9% | -17.7% | -15.5% | +549.9% | -48.8% | +3338.6% | +1.4% | |
| Net Margin | 7.1% | 21.9% | -65.8% | 20.1% | 10.2% | 12.5% | 15.8% | 13.8% | 21.7% | 153.5% | 14.8% | 16.2% | 24.6% |
| — | +74.6% | -517.8% | +45.6% | -52.8% | -91.8% | +6.1% | -14.9% | -11.8% | +479.5% | -46.9% | +1620.2% | +0.7% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.2% | 3.1% | -3.8% | 2.7% | 1.3% | 1.7% | 2.2% | 1.9% | 3.0% | 10.2% | 2.3% | 2.4% | 3.7% |
| — | +79.3% | -271.8% | +42.9% | -56.7% | -83.2% | -4.5% | -21.0% | -18.4% | +165.8% | -35.2% | +2258.6% | +53.2% | |
| ROA | 0.3% | 0.3% | -0.4% | 0.3% | 0.1% | 0.2% | 0.2% | 0.2% | 0.3% | 0.9% | 0.2% | 0.2% | 0.3% |
| — | +84.5% | -280.4% | +50.6% | -55.0% | -81.7% | +9.3% | -9.3% | -2.1% | +209.9% | -32.5% | +2192.9% | +37.5% | |
| ROIC | 2.1% | 2.1% | -2.8% | 1.9% | 1.0% | 1.3% | 1.6% | 1.4% | 2.2% | 8.5% | 1.6% | 1.8% | 3.0% |
| — | +66.6% | -272.8% | +42.0% | -56.1% | -85.2% | +2.0% | -25.7% | -26.9% | +197.5% | -33.2% | +5549.4% | +91.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
CB Financial Services, Inc.'s Debt/EBITDA ratio is 6.1x — elevated, raising questions about debt serviceability. The current ratio has weakened 90.2% YoY to 0.02x, tightening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.22 | 0.23 | 0.23 | 0.23 | 0.24 | 0.23 | 0.24 | 0.24 | 0.25 | 0.30 | 0.30 | 0.13 |
| — | -6.3% | -2.1% | -3.6% | -4.4% | -5.0% | -22.9% | -18.3% | +94.4% | +20.4% | -9.9% | -32.1% | -72.9% | |
| Debt / EBITDA | 4.89 | 6.06 | — | 6.72 | 12.50 | 9.91 | 7.65 | 8.92 | 5.95 | 1.83 | 8.78 | 8.32 | 2.46 |
| — | -38.8% | — | -24.6% | +110.2% | +440.5% | -12.9% | +7.2% | +141.4% | -52.0% | +38.6% | -88.0% | -80.5% | |
| Current Ratio | 0.02 | 0.02 | 0.04 | 0.05 | 0.05 | 0.24 | 0.31 | 0.30 | 0.24 | 0.22 | 0.20 | 0.22 | 0.24 |
| — | -90.2% | -86.4% | -83.7% | -80.1% | +10.2% | +53.6% | +36.8% | +0.4% | -11.5% | -22.3% | -10.3% | -15.3% | |
| Quick Ratio | 0.02 | 0.02 | 0.04 | 0.05 | 0.05 | 0.24 | 0.31 | 0.30 | 0.24 | 0.22 | 0.20 | 0.22 | 0.24 |
| — | -90.2% | -86.4% | -83.7% | -80.1% | +10.2% | +53.6% | +36.8% | +0.4% | -11.5% | -22.3% | -10.3% | -15.3% | |
| Interest Coverage | 0.21 | 0.85 | -1.12 | 0.76 | 0.36 | 0.39 | 0.48 | 0.43 | 0.80 | 3.17 | 0.63 | 0.85 | 1.99 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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CB Financial Services, Inc.'s current P/E is 40.8x. The average P/E over the last 3 quarters is 13.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
CB Financial Services, Inc.'s current operating margin is 7.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking CB Financial Services, Inc.'s business trajectory between earnings reports.