CB Financial Services, Inc. Financial Ratios — M8M Stock

Profitability (USD)

	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	10.76	- -	- -	6.76	9.98	8.6	7.6	6.11	9.92	-7.45	8.65	9.25	18.04	8.77	3.22
Return on Assets (%)	0.89	- -	- -	0.62	1	0.9	0.78	0.64	1.1	-0.78	0.81	0.79	1.57	0.86	0.32
Return on Capital (%)	6.18	- -	- -	4.99	6.81	5.64	4.6	4.08	8.1	- -	7.89	8.16	15.07	7.06	2.62
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.75	28.19	29.23	26.83	33.09	30.06	27.34	19.16	32.21	-19.2	31.5	28.18	71.49	31.22	12.77
Profit Margin (%)	19.64	22.63	22.97	19.52	23.49	21.31	19.34	15.73	28.74	-21.75	24.8	22.51	53.23	25.63	11.82
Net Income to Common Margin (%)	19.64	22.63	22.97	19.52	23.49	21.31	19.34	15.73	28.74	-21.75	24.8	22.51	53.23	25.63	11.82
Effective Tax Rate (%)	29.22	19.71	21.42	27.27	29.02	29.11	29.27	17.9	10.77	- -	21.27	20.12	25.54	17.92	7.49
Dvd Payout Ratio (%)	36.08	48.68	48.68	54.36	41.1	47.39	51.8	64.22	36.4	-48.71	44.67	43.74	22.67	40.73	104.71
Sustainable Growth Rate (%)	6.88	- -	- -	3.09	5.88	4.52	3.66	2.19	6.31	-11.08	4.78	5.2	13.95	5.2	-0.15

Credit (USD)

Credit Ratios API ChatGPT

	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	17	- -	4	41	37	55	64	51	14	8	18	15	35	35	35
ST Debt	11	- -	- -	26	9	27	40	31	6	2	3	- -	- -	20	20
LT Debt	5	- -	4	15	28	28	25	20	8	6	15	15	35	15	15
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.34	- -	8.24	9.68	10.46	10.57	9.98	10.74	11.43	9.5	9.34	7.82	9.6	9.95	10.18
Long-Term Debt/Equity (%)	19.65	- -	8.89	18.48	32.22	31.3	26.27	14.53	5.29	4.46	10.97	13.29	24.8	9.99	9.37
Long-Term Debt/Capital (%)	12.35	- -	8.16	12.32	22.53	19.38	15.57	10.6	4.85	4.21	9.69	11.73	19.87	8.08	7.67
Long-Term Debt/Total Assets (%)	1.64	- -	0.73	1.79	3.37	3.31	2.62	1.56	0.61	0.42	1.02	1.04	2.38	0.99	0.95
Total Debt/Equity (%)	59.11	- -	8.89	49.98	42.99	61.5	68.74	37.04	9.27	5.95	13.22	13.29	24.8	23.56	22.06
Total Debt/Capital (%)	37.15	- -	8.16	33.32	30.07	38.08	40.74	27.03	8.48	5.61	11.68	11.73	19.87	19.07	18.08
Total Debt/Total Assets (%)	4.93	- -	0.73	4.84	4.5	6.5	6.86	3.98	1.06	0.56	1.23	1.04	2.38	2.34	2.25
Net Debt to Equity	11.34	- -	-27.59	35.63	29.94	45.54	46.63	-1.72	-43.82	-113.66	-76.68	-80.85	-23.99	-10.08	1.95
Net Debt/Capital (%)	10.19	- -	-38.1	26.27	23.04	31.29	31.8	-1.76	-78.01	831.9	-328.73	-422.23	-31.56	-11.21	1.91
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.34	- -	8.24	9.68	10.46	10.57	9.98	10.74	11.43	9.5	9.34	7.82	9.6	9.95	10.18
Long-Term Debt/Equity (%)	19.65	- -	8.89	18.48	32.22	31.3	26.27	14.53	5.29	4.46	10.97	13.29	24.8	9.99	9.37
Long-Term Debt/Capital (%)	12.35	- -	8.16	12.32	22.53	19.38	15.57	10.6	4.85	4.21	9.69	11.73	19.87	8.08	7.67
Long-Term Debt/Total Assets (%)	1.64	- -	0.73	1.79	3.37	3.31	2.62	1.56	0.61	0.42	1.02	1.04	2.38	0.99	0.95
Total Debt/Equity (%)	59.11	- -	8.89	49.98	42.99	61.5	68.74	37.04	9.27	5.95	13.22	13.29	24.8	23.56	22.06
Total Debt/Capital (%)	37.15	- -	8.16	33.32	30.07	38.08	40.74	27.03	8.48	5.61	11.68	11.73	19.87	19.07	18.08
Total Debt/Total Assets (%)	4.93	- -	0.73	4.84	4.5	6.5	6.86	3.98	1.06	0.56	1.23	1.04	2.38	2.34	2.25
CFO/Total Liabilities	1.72	- -	1.61	-0.31	6.93	1.4	1.38	1.19	1.53	1.1	1.01	1.09	1.08	0.51	1.28
CFO/CapEx	- -	6.12	33.97	-0.37	85.37	4.16	3.02	2.56	18.85	43.72	5.47	27.8	4.32	2.04	27.4
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	3.45	- -	- -	2.87	3.95	3.8	3.51	3.66	3.35	3.15	3.32	2.94	- -	- -	- -
Days Sales Outstanding	105.83	- -	- -	127.2	92.3	96.03	104.1	99.65	108.9	115.88	109.83	124.2	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	13	- -	16	12	11	14	21	53	80	161	120	104	68	50	32
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	17	- -	4	41	37	55	64	51	14	8	18	15	35	35	35
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	44	- -	49	123	124	144	157	189	165	143	151	125	175	182	192
Total Debt/Capital (%)	37.15	- -	8.16	33.32	30.07	38.08	40.74	27.03	8.48	5.61	11.68	11.73	19.87	19.07	18.08
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	15	19	19	22	36	36	36	45	50	49	47	50	42	49	41
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	5	7	8	-2	52	11	12	14	18	- -	13	14	14	7	18
TTM Free Cash Flow to Firm	5	6	8	-9	51	8	8	8	17	- -	11	14	11	3	17

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2005 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	2	2	2	4	4	4	4	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	2	2	2	3	4	4	4	5	5	5	5	5	5	5	5
Basic Weighted Avg Shares	2	2	2	3	4	4	4	5	5	5	5	5	5	5	5
Revenue per Share	6.36	7.64	7.52	8.35	8.8	8.72	8.78	9	9.17	9.05	8.67	9.73	8.28	9.57	8.24
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.25	1.73	1.73	1.63	2.07	1.86	1.7	1.42	2.64	-1.97	2.15	2.19	4.41	2.45	0.97
Basic EPS from Cont Ops	1.25	1.73	1.73	1.63	2.07	1.86	1.7	1.42	2.64	-1.97	2.15	2.19	4.41	2.45	0.97
Diluted EPS, GAAP	1.23	1.7	1.72	1.63	2.07	1.86	1.69	1.4	2.63	-1.97	2.15	2.18	4.4	2.38	0.92
Diluted EPS from Cont Ops	1.23	1.7	1.72	1.63	2.07	1.86	1.69	1.4	2.63	-1.97	2.15	2.18	4.4	2.38	0.92
Dividend per Share	0.45	0.84	0.84	0.89	0.85	0.88	0.88	0.91	0.96	0.96	0.96	0.96	1	1	1.02
Cash Flow per Share	2.25	2.75	3.27	-0.91	12.66	2.59	2.84	2.74	3.29	2.6	2.43	2.75	2.78	1.31	3.54
Free Cash Flow per Basic Share	2.25	2.3	3.17	-3.4	12.51	1.97	1.9	1.67	3.11	2.54	1.98	2.66	2.14	0.67	3.41
Cash & Equivalents per Share	5.68	- -	64.34	28.79	26.27	29.48	35.21	51.32	50.31	55.9	64.97	57.07	53.27	60.22	6.29
Book Value per Share	11.89	- -	19.27	20.12	21.29	21.89	22.77	25.33	27.65	24.76	25.31	21.6	27.31	28.71	31.28
Tangible Book Value per Share	9.98	- -	18.35	17.53	19.01	19.75	20.76	18.09	20.52	21.42	22.45	19	25.23	26.82	29.35