CBFV CB Financial Services, Inc. - Common Stock
$37.52
Price · Aug 24, 2026
Fundamentals as of Aug 7, 2026
52W Range
$31–$39
83% of range
Analyst Rating
BUY
9 analysts
Price Target
$41
+10% upside
P/E (TTM)
40.8
ROE
3.2%
Net Profit Margin
11.3%
CBFV Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$37.52
Market Cap
$189M
P/E (TTM)
40.8
EPS (TTM)
$0.92
Revenue (TTM)
—
Div Yield
2.7%
ROE
3.2%
Debt/Equity
0.0
52W Range
$31 – $39
CBFV Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
2017-12-31
→
2021-12-31
EPS
$0.92
2016-12-31
→
2025-12-31
Free Cash Flow
$17M
2016-12-31
→
2025-12-31
Margins
11.3%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CBFV
Peer Median
P/E (TTM)
40.8
15.2
P/S (TTM)
4.2
1.8
P/B
1.2
1.0
EV / EBITDA
86.9
—
Price / FCF
11.0
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CBFV
Peer Median
Net Profit Margin
11.3%
23.8%
ROA
0.32%
0.74%
ROE
3.2%
5.9%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CBFV
Peer Median
Debt / Equity
0.0
18.4
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CBFV
Peer Median
EPS YoY
-61.3%
—
Net Income YoY
-61.1%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CBFV
Peer Median
Payout Ratio
104.7%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.7%
Payout Ratio
104.7%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 14, 2026 | $0.2800 |
| May 15, 2026 | $0.2800 |
| Feb. 13, 2026 | $0.2800 |
| Nov. 14, 2025 | $0.2600 |
| Aug. 15, 2025 | $0.2600 |
| May 16, 2025 | $0.2500 |
| Feb. 14, 2025 | $0.2500 |
| Nov. 15, 2024 | $0.2500 |
| Aug. 15, 2024 | $0.2500 |
| May 14, 2024 | $0.2500 |
| Feb. 14, 2024 | $0.2500 |
| Nov. 14, 2023 | $0.2500 |
| Aug. 14, 2023 | $0.2500 |
| May 12, 2023 | $0.2500 |
| Feb. 14, 2023 | $0.2500 |
| Nov. 17, 2022 | $0.2400 |
| Aug. 18, 2022 | $0.2400 |
| May 19, 2022 | $0.2400 |
| Feb. 17, 2022 | $0.2400 |
| Nov. 18, 2021 | $0.2400 |
CBFV Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 2 22.2%
- Buy 5 55.6%
- Hold 2 22.2%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-18
Median
$40.00
Mean
$41.33
← Below all targets
$37.52
Low
$40.00
High
$44.00
Median target
$40.00
+6.6%
Mean target
$41.33
+10.2%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.07%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.81 | $0.74 | 0.07% |
| March 31, 2026 | $0.72 | $0.71 | 0.01% |
| Dec. 31, 2025 | $0.72 | $0.83 | -0.11% |
| Sept. 30, 2025 | $0.74 | $0.66 | 0.08% |
| June 30, 2025 | $0.74 | $0.43 | 0.31% |
| March 31, 2025 | $0.50 | $0.44 | 0.06% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CBFV | $176M | 37.9 | — | 11.3% | 3.2% | — |
| USCB | — | 13.8 | 9.1% | 28.9% | 11.6% | — |
| HNVR | $165M | 23.1 | 7.1% | 10.2% | 3.8% | — |
| FNWD | $152M | 18.7 | -7.1% | 12.2% | 4.9% | — |
| BVFL | $161M | 12.7 | 5.1% | 34.1% | 7.1% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | $44M | $47M | $51M | $44M | $32M | |
| Interest Expense | · | · | $18M | $5M | $3M | $6M | $8M | $6M | $3M | |
| Interest Income | $76M | $76M | $62M | $48M | $44M | $47M | $51M | $44M | $32M | |
| Pretax Income | $5M | $15M | $30M | $14M | $15M | $-9M | $16M | $9M | $10M | |
| Income Tax | $397.0K | $3M | $8M | $3M | $3M | $1M | $2M | $2M | $3M | |
| Net Income | $5M | $13M | $23M | $11M | $12M | $-11M | $14M | $7M | $7M | |
| EPS (Basic) | $0.97 | $2.45 | $4.41 | $2.19 | $2.15 | $-1.97 | $2.64 | $1.42 | $1.70 | |
| EPS (Diluted) | $0.92 | $2.38 | $4.40 | $2.18 | $2.15 | $-1.97 | $2.63 | $1.40 | $1.69 | |
| Shares (Basic) | 5,036,706 | 5,134,092 | 5,113,978 | 5,136,670 | 5,382,441 | 5,406,290 | 5,434,649 | 4,981,814 | 4,088,191 | |
| Shares (Diluted) | 5,306,916 | 5,302,522 | 5,122,916 | 5,149,312 | 5,392,729 | 5,406,290 | 5,448,761 | 5,031,130 | 4,110,372 | |
| EBITDA | $2M | · | $3M | $3M | $2M | $3M | $4M | $3M | $2M |
Balance Sheet 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $32M | $50M | $68M | $104M | $120M | $161M | $80M | $53M | $21M | |
| PP&E (Net) | $20M | $21M | $20M | $18M | $18M | $20M | $22M | $23M | $17M | |
| PP&E (Gross) | $32M | $38M | $37M | $34M | $34M | $39M | $42M | $42M | $33M | |
| Accum. Depreciation | $12M | $18M | $17M | $16M | $16M | $19M | $20M | $19M | $17M | |
| Goodwill | $10M | $10M | $10M | $10M | $10M | $10M | $28M | $28M | $5M | |
| Intangibles | $0 | $0 | $958.0K | $4M | $5M | $8M | $11M | $11M | $3M | |
| Total Assets | $1.55B | $1.48B | $1.46B | $1.41B | $1.43B | $1.42B | $1.32B | $1.28B | $934M | |
| Short-term Debt | $0 | $0 | $0 | $8M | $39M | $41M | $31M | $31M | $40M | |
| Total Liabilities | $1.39B | $1.33B | $1.32B | $1.30B | $1.29B | $1.28B | $1.17B | $1.14B | $841M | |
| Total Debt | $0 | · | $0 | $8M | $39M | $41M | $31M | $31M | $40M | |
| Common Stock | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Paid-in Capital | $88M | $86M | $85M | $84M | $83M | $83M | $83M | $83M | $42M | |
| Retained Earnings | $91M | $91M | $83M | $64M | $58M | $51M | $67M | $58M | $55M | |
| Treasury Stock | $20M | $15M | $15M | $14M | $9M | $5M | $4M | $4M | $5M | |
| AOCI | $-3M | $-17M | $-17M | $-26M | $-927.0K | $3M | $3M | $-1M | $-1M | |
| Stockholders' Equity | $158M | $147M | $140M | $110M | $133M | $135M | $151M | $138M | $93M | |
| Liabilities + Equity | $1.55B | $1.48B | $1.46B | $1.41B | $1.43B | $1.42B | $1.32B | $1.28B | $934M | |
| Shares Outstanding | 5,036,509 | 5,132,654 | 5,118,713 | 5,100,189 | 5,260,672 | 5,434,374 | 5,463,828 | 5,432,289 | 4,095,957 |
Cash Flow 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $3M | $3M | $2M | $3M | $4M | $3M | $2M | |
| Stock-based Comp | $796.0K | $812.0K | $1M | $600.0K | $566.0K | $498.0K | $323.0K | $482.0K | $361.0K | |
| Deferred Tax | $-65.0K | $191.0K | $382.0K | $-535.0K | $-248.0K | $-237.0K | $-614.0K | $1M | $-174.0K | |
| Amort. of Intangibles | $0 | $958.0K | $2M | $2M | $2M | $2M | $2M | $1M | $535.0K | |
| Restructuring | · | · | · | · | $8M | · | · | · | · | |
| Other Non-cash | $10M | · | $-13M | $135.0K | $-1M | $21M | $106.0K | $2M | $2M | |
| Operating Cash Flow | $18M | $7M | $14M | $14M | $13M | $14M | $18M | $14M | $12M | |
| CapEx | $650.0K | $3M | $3M | $509.0K | $2M | $322.0K | $48.0K | $4M | $4M | |
| Investing Cash Flow | $-83M | $-36M | $-55M | $-28M | $-60M | $-37M | $-11M | $27M | $-86M | |
| Stock Repurchased | $7M | $965.0K | $843.0K | $5M | $4M | · | · | · | · | |
| Net Stock Activity | $-7M | · | $-843.0K | $-5M | · | · | · | · | · | |
| Dividends Paid | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $4M | |
| Financing Cash Flow | $47M | $11M | $5M | $-2M | $6M | $104M | $20M | $-8M | $81M | |
| Net Change in Cash | $-18M | $-19M | $-35M | $-16M | $-41M | $81M | $27M | $33M | $6M | |
| Free Cash Flow | $17M | · | $11M | $14M | $11M | $14M | $18M | $9M | $8M | |
| Levered FCF | · | · | $-2M | $10M | $8M | $7M | $11M | $4M | $5M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 11.3% | · | 32.9% | 21.3% | 26.6% | -22.4% | 28.1% | 16.2% | 18.8% | |
| Pretax Margin | 12.2% | · | 44.2% | 26.7% | 33.7% | -19.8% | 31.5% | 19.7% | 26.6% | |
| EBITDA Margin | 4.2% | · | 4.0% | 5.1% | 5.6% | 7.0% | 7.3% | 7.0% | 6.8% | |
| ROA | 0.32% | · | 1.6% | 0.79% | 0.81% | -0.78% | 1.1% | 0.64% | 0.78% | |
| ROE | 3.2% | · | 17.7% | 10.4% | 8.8% | -8.0% | 9.6% | 5.2% | 7.4% |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | · | 0.0 | 0.1 | 0.3 | 0.3 | 0.2 | 0.2 | 0.4 |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Growth Rates 6
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | · | · | · | · | -8.2% | · | · | · | · | |
| EPS YoY | -61.3% | -45.9% | 101.8% | 1.4% | · | · | · | · | · | |
| EPS CAGR 3Y | -25.0% | 3.5% | · | · | · | · | · | · | · | |
| Net Income YoY | -61.1% | -44.1% | 100.5% | -2.8% | · | · | · | · | · | |
| Net Income CAGR 3Y | -24.2% | 2.9% | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | -0.19% | · | · | · | · | · | · | · | · |
Valuation (TTM) 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $45M | $45M | $45M | $45M | $44M | $47M | $51M | $44M | $32M | |
| Net Income TTM | $5M | $13M | $23M | $11M | $12M | $-11M | $14M | $7M | $7M | |
| Market Cap | $176M | · | $122M | $109M | $127M | $109M | $165M | $135M | $123M | |
| Enterprise Value | $144M | · | $54M | $14M | $46M | $-11M | $115M | $112M | $142M | |
| P/E | 37.9 | 12.0 | 5.4 | 9.8 | 11.2 | -10.2 | 11.5 | 17.7 | 17.8 | |
| P/S | 3.9 | · | 2.7 | 2.4 | 2.9 | 2.3 | 3.2 | 3.1 | 3.8 | |
| P/B | 1.1 | · | 0.9 | 1.0 | 1.0 | 0.8 | 1.1 | 1.0 | 1.3 | |
| P / Tangible Book | 1.2 | 1.1 | 0.9 | 1.1 | 1.1 | 0.9 | · | · | · | |
| P / Cash Flow | 9.9 | · | 8.6 | 7.7 | 9.7 | 7.7 | 9.2 | 9.9 | 10.6 | |
| P / FCF | 10.2 | · | 11.1 | 8.0 | 11.9 | 7.9 | 9.2 | 14.6 | 15.8 | |
| EV / EBITDA | 79.5 | · | 19.6 | 5.1 | 19.0 | -3.3 | 30.9 | 36.9 | 56.8 | |
| EV / FCF | 8.4 | · | 4.9 | 1.0 | 4.3 | -0.8 | 6.5 | 12.2 | 18.3 | |
| EV / Revenue | 3.2 | · | 1.2 | 0.3 | 1.1 | -0.2 | 2.3 | 2.6 | 4.4 | |
| Dividend Yield | 2.9% | · | 4.2% | 4.5% | 4.1% | 4.8% | 3.2% | 3.4% | 2.9% | |
| Earnings Yield | 2.6% | 8.3% | 18.5% | 10.2% | 8.9% | -9.8% | 8.7% | 5.7% | 5.6% | |
| Payout Ratio | 104.7% | · | 22.7% | 43.7% | 44.7% | -48.7% | 36.4% | 64.2% | 51.8% | |
| Annual Payout | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $4M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $6M | · | $5M | $4M | $3M | $2M | $1M | |
| Interest Income | $21M | $20M | $20M | $19M | $19M | $18M | $19M | $20M | $19M | $18M | $17M | $16M | $15M | $14M | $14M | $12M | |
| Pretax Income | $5M | $5M | $5M | $-7M | $5M | $2M | $3M | $4M | $3M | $5M | $18M | $3M | $3M | $5M | $5M | $5M | |
| Income Tax | $798.0K | $714.0K | $528.0K | $-1M | $766.0K | $427.0K | $522.0K | $747.0K | $560.0K | $920.0K | $5M | $564.0K | $699.0K | $1M | $1M | $998.0K | |
| Net Income | $4M | $4M | $5M | $-6M | $4M | $2M | $3M | $3M | $3M | $4M | $13M | $3M | $3M | $4M | $4M | $4M | |
| EPS (Basic) | $0.85 | $0.77 | $0.95 | $-1.14 | $0.79 | $0.37 | $0.48 | $0.63 | $0.52 | $0.82 | $2.54 | $0.52 | $0.54 | $0.81 | $0.81 | $0.77 | |
| EPS (Diluted) | $0.80 | $0.73 | $0.90 | $-1.07 | $0.74 | $0.35 | $0.45 | $0.60 | $0.51 | $0.82 | $2.53 | $0.52 | $0.54 | $0.81 | $0.81 | $0.77 | |
| Shares (Basic) | 5,073,474 | 5,053,586 | -10,096,872 | 4,985,188 | 5,022,813 | 5,125,577 | -10,275,536 | 5,137,586 | 5,142,139 | 5,129,903 | -10,222,632 | 5,115,026 | 5,111,987 | 5,109,597 | -10,316,231 | 5,106,861 | |
| Shares (Diluted) | 5,353,959 | 5,318,874 | -10,815,710 | 5,319,594 | 5,332,026 | 5,471,006 | -10,339,171 | 5,346,750 | 5,152,657 | 5,142,286 | -10,235,469 | 5,126,546 | 5,116,134 | 5,115,705 | -10,347,177 | 5,118,627 | |
| EBITDA | · | $445.0K | · | · | · | $442.0K | · | · | · | $718.0K | · | · | · | $710.0K | · | · |
Balance Sheet 18
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $76M | $56M | $32M | $56M | $65M | $61M | $50M | $147M | $143M | $74M | $68M | $53M | $78M | $104M | $104M | $123M | |
| PP&E (Net) | $19M | $19M | $20M | $20M | $20M | $20M | $21M | $21M | $20M | $20M | $20M | $19M | $19M | $18M | $18M | $18M | |
| PP&E (Gross) | · | · | $32M | · | · | · | $38M | · | · | · | $37M | · | · | · | $34M | · | |
| Accum. Depreciation | · | · | $12M | · | · | · | $18M | · | · | · | $17M | · | · | · | $16M | · | |
| Goodwill | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | $10M | |
| Intangibles | · | · | $0 | · | · | · | $0 | $88.0K | $353.0K | $617.0K | $958.0K | $2M | $3M | $3M | $4M | $4M | |
| Total Assets | $1.66B | $1.58B | $1.55B | $1.55B | $1.52B | $1.48B | $1.48B | $1.56B | $1.56B | $1.47B | $1.46B | $1.40B | $1.43B | $1.43B | $1.41B | $1.43B | |
| Short-term Debt | $65M | · | $0 | · | · | · | $0 | · | · | · | · | $0 | $0 | $121.0K | $8M | $18M | |
| Total Liabilities | $1.49B | $1.42B | $1.39B | $1.39B | $1.37B | $1.34B | $1.33B | $1.41B | $1.42B | $1.33B | $1.32B | $1.28B | $1.32B | $1.31B | $1.30B | $1.32B | |
| Total Debt | $65M | · | · | · | · | · | · | · | · | · | · | $0 | $0 | $121.0K | · | $18M | |
| Common Stock | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Paid-in Capital | $88M | $88M | $88M | $87M | $87M | $87M | $86M | $86M | $86M | $86M | $85M | $85M | $84M | $84M | $84M | $84M | |
| Retained Earnings | $96M | $93M | $91M | $87M | $94M | $91M | $91M | $90M | $88M | $86M | $83M | $72M | $70M | $69M | $64M | $61M | |
| Treasury Stock | $20M | $20M | $20M | $21M | $21M | $17M | $15M | $15M | $15M | $15M | $15M | $14M | $14M | $14M | $14M | $14M | |
| AOCI | $-5M | $-5M | $-3M | $-4M | $-14M | $-15M | $-17M | $-14M | $-18M | $-18M | $-17M | $-30M | $-26M | $-24M | $-26M | $-27M | |
| Stockholders' Equity | $162M | $159M | $158M | $152M | $148M | $148M | $147M | $149M | $143M | $142M | $140M | $115M | $117M | $117M | $110M | $107M | |
| Liabilities + Equity | $1.66B | $1.58B | $1.55B | $1.55B | $1.52B | $1.48B | $1.48B | $1.56B | $1.56B | $1.47B | $1.46B | $1.40B | $1.43B | $1.43B | $1.41B | $1.43B | |
| Shares Outstanding | 5,080,438 | 5,072,183 | 5,036,509 | 4,998,383 | 4,972,300 | 5,099,069 | 5,132,654 | 5,129,921 | 5,141,911 | 5,142,901 | 5,118,713 | 5,120,678 | 5,111,678 | 5,116,830 | 5,100,189 | 5,096,672 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $686.0K | $445.0K | $461.0K | $455.0K | $452.0K | $442.0K | $452.0K | $573.0K | $682.0K | $718.0K | $604.0K | $713.0K | $710.0K | $710.0K | $707.0K | $715.0K | |
| Stock-based Comp | $262.0K | $212.0K | $186.0K | $194.0K | $193.0K | $223.0K | $221.0K | $215.0K | $198.0K | $178.0K | $568.0K | $196.0K | $187.0K | $174.0K | $176.0K | $145.0K | |
| Amort. of Intangibles | · | · | $0 | $0 | $0 | $0 | $89.0K | $264.0K | $264.0K | $341.0K | $430.0K | $445.0K | $446.0K | $445.0K | $446.0K | $445.0K | |
| Other Non-cash | · | $-2M | · | · | · | $1M | · | · | · | $-2M | · | · | · | $2M | · | · | |
| Operating Cash Flow | $7M | $3M | $5M | $5M | $4M | $4M | $2M | $3M | $-1M | $3M | $-3M | $9M | $1M | $7M | $5M | $4M | |
| CapEx | $66.0K | $202.0K | $188.0K | $104.0K | $257.0K | $101.0K | $270.0K | $856.0K | $1M | $970.0K | $2M | $249.0K | $1M | $204.0K | $39.0K | $208.0K | |
| Investing Cash Flow | $-55M | $-13M | $-34M | $-38M | $-24M | $13M | $-28M | $-778.0K | $-16M | $8M | $-10M | $-6M | $-27M | $-11M | $-3M | $-7M | |
| Stock Repurchased | $14.0K | $292.0K | $14.0K | $7.0K | $4M | $2M | $634.0K | $326.0K | $0 | $5.0K | $516.0K | $0 | $197.0K | $130.0K | $120.0K | $694.0K | |
| Net Stock Activity | · | $-292.0K | · | · | · | $-2M | · | · | · | $-5.0K | · | · | · | $-130.0K | · | · | |
| Dividends Paid | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $68M | $34M | $5M | $24M | $23M | $-6M | $-71M | $2M | $86M | $-6M | $29M | $-28M | $243.0K | $4M | $-22M | $45M | |
| Net Change in Cash | $21M | $24M | $-24M | $-9M | $3M | $12M | $-98M | $5M | $69M | $5M | $16M | $-25M | $-25M | $-155.0K | $-19M | $42M | |
| Free Cash Flow | · | $3M | · | · | · | $4M | · | · | · | $2M | · | · | · | $7M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-3M | · | · | · | $5M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 27.7% | 26.1% | · | -235.2% | 29.3% | 15.8% | · | 25.3% | 21.8% | 31.1% | · | 20.3% | 20.6% | 28.9% | · | 28.6% | |
| Pretax Margin | 32.9% | 30.9% | · | -289.8% | 35.0% | 19.3% | · | 31.2% | 26.4% | 37.9% | · | 24.6% | 25.8% | 36.7% | · | 35.8% | |
| EBITDA Margin | · | 3.0% | · | · | · | 3.6% | · | · | · | 5.3% | · | · | · | 4.9% | · | · | |
| ROA | 0.27% | 0.25% | · | -0.37% | 0.26% | 0.13% | · | 0.22% | 0.18% | 0.29% | · | 0.19% | 0.20% | 0.29% | · | 0.27% | |
| ROE | 2.8% | 2.5% | · | -3.8% | 2.7% | 1.3% | · | 2.4% | 2.0% | 3.2% | · | 2.4% | 2.4% | 3.5% | · | 3.3% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.4 | · | · | · | · | · | · | · | · | · | · | 0.0 | 0.0 | 0.0 | · | 0.2 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 15
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $45M | $45M | · | $45M | $45M | $45M | · | $45M | $45M | $45M | · | $45M | $45M | $45M | · | $45M | |
| Net Income TTM | $6M | $4M | · | $3M | $12M | $12M | · | $13M | $12M | $14M | · | $14M | $11M | $11M | · | $9M | |
| Market Cap | $193M | $173M | · | $166M | $142M | $145M | · | $143M | $117M | $111M | · | $110M | $106M | $111M | · | $111M | |
| Enterprise Value | $181M | · | · | · | · | · | · | · | · | · | · | $57M | $28M | $8M | · | $6M | |
| P/E | 31.6 | 45.6 | · | 53.6 | 13.0 | 12.5 | · | 11.4 | 9.5 | 8.0 | · | 8.1 | 9.7 | 10.0 | · | 12.5 | |
| P/S | 4.3 | 3.8 | · | 3.7 | 3.1 | 3.2 | · | 3.2 | 2.6 | 2.5 | · | 2.4 | 2.3 | 2.5 | · | 2.5 | |
| P/B | 1.2 | 1.1 | · | 1.1 | 1.0 | 1.0 | · | 1.0 | 0.8 | 0.8 | · | 1.0 | 0.9 | 0.9 | · | 1.0 | |
| P / Tangible Book | 1.3 | 1.2 | · | 1.2 | 1.0 | 1.0 | · | 1.0 | 0.9 | 0.8 | · | 1.1 | 1.0 | 1.1 | · | 1.2 | |
| P / Cash Flow | · | 57.4 | · | · | · | 36.0 | · | · | · | 34.1 | · | · | · | 15.4 | · | · | |
| P / FCF | · | 61.6 | · | · | · | 37.0 | · | · | · | 48.6 | · | · | · | 15.8 | · | · | |
| EV / EBITDA | · | · | · | · | · | · | · | · | · | · | · | · | · | 10.8 | · | · | |
| EV / FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | 1.1 | · | · | |
| EV / Revenue | 4.0 | · | · | · | · | · | · | · | · | · | · | 1.3 | 0.6 | 0.2 | · | 0.1 | |
| Earnings Yield | 3.2% | 2.2% | · | 1.9% | 7.7% | 8.0% | · | 8.8% | 10.5% | 12.4% | · | 12.3% | 10.3% | 10.0% | · | 8.0% | |
| Payout Ratio | · | 36.5% | · | · | · | 67.1% | · | · | · | 30.5% | · | · | · | 30.7% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | $44M |
| Net Income | $5M | $13M | $23M | $11M | $12M |
| Diluted EPS | $0.92 | $2.38 | $4.40 | $2.18 | $2.15 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.0 | — | 0.0 | 0.1 | 0.3 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $17M | — | $11M | $14M | $11M |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 83 filers · $59.7M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 8 (-1 vs prior Q) | 3 (-1 vs prior Q) | 18 (+2 vs prior Q) | 23 (-4 vs prior Q) | +41K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| ALLIANCEBERNSTEIN L.P. | $8,681,823 | 254,003 | 14.54% | Shares |
| VANGUARD GROUP INC | $7,669,827 | 220,018 | 12.85% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $7,527,054 | 198,603 | 12.61% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $5,842,854 | 154,165 | 9.79% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $3,747,820 | 98,862 | 6.28% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,362,686 | 62,340 | 3.96% | Shares |
| Waldron Private Wealth LLC | $2,285,597 | 60,306 | 3.83% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $2,042,772 | 53,899 | 3.42% | Shares |
| STATE STREET CORP | $1,833,602 | 48,380 | 3.07% | Shares |
| Empowered Funds, LLC | $1,358,336 | 35,840 | 2.28% | Shares |
| Wilmington Savings Fund Society, FSB | $1,275,032 | 33,642 | 2.14% | Shares |
| S&T Bank/PA | $1,275,031 | 33,642 | 2.14% | Shares |
| De Lisle Partners LLP | $1,268,331 | 33,674 | 2.12% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $1,190,401 | 31,409 | 1.99% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,185,626 | 31,283 | 1.99% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,170,504 | 30,884 | 1.96% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $732,001 | 19,314 | 1.23% | Shares |
| SALZHAUER MICHAEL | $716,424 | 18,903 | 1.20% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $510,513 | 13,470 | 0.86% | Shares |
| AMERICAN CENTURY COMPANIES INC | $498,347 | 13,149 | 0.83% | Shares |
| GOLDMAN SACHS GROUP INC | $485,651 | 12,814 | 0.81% | Shares |
| AMERIPRISE FINANCIAL INC | $427,929 | 11,291 | 0.72% | Shares |
| HBK Sorce Advisory LLC | $393,392 | 10,615 | 0.66% | Shares |
| Curi Capital, LLC | $378,280 | 9,981 | 0.63% | Shares |
| LPL Financial LLC | $368,236 | 9,716 | 0.62% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $350,878 | 9,258 | 0.59% | Shares |
| MORGAN STANLEY | $325,447 | 8,587 | 0.55% | Shares |
| Abundance Wealth Counselors | $318,777 | 8,411 | 0.53% | Shares |
| Fourthstone LLC | $311,479 | 8,083 | 0.52% | Shares |
| BARCLAYS PLC | $310,022 | 8,180 | 0.52% | Shares |
| CITADEL ADVISORS LLC | $309,075 | 8,155 | 0.52% | Shares |
| Steward Partners Investment Advisory, LLC | $230,432 | 6,080 | 0.39% | Shares |
| WESBANCO BANK INC | $211,786 | 5,588 | 0.35% | Shares |
| BANK OF AMERICA CORP /DE/ | $211,785 | 5,588 | 0.35% | Shares |
| FIFTH THIRD BANCORP | $176,235 | 4,650 | 0.30% | Shares |
| DEUTSCHE BANK AG\ | $172,938 | 4,563 | 0.29% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $172,445 | 4,550 | 0.29% | Shares |
| Bank of New York Mellon Corp | $142,618 | 3,763 | 0.24% | Shares |
| RHUMBLINE ADVISERS | $134,465 | 3,548 | 0.23% | Shares |
| STIFEL FINANCIAL CORP | $123,290 | 3,253 | 0.21% | Shares |
| MetLife Investment Management, LLC | $104,301 | 2,752 | 0.17% | Shares |
| Russell Investments Group, Ltd. | $94,219 | 2,486 | 0.16% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $81,712 | 2,156 | 0.14% | Shares |
| Nuveen, LLC | $80,196 | 2,116 | 0.13% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $79,590 | 2,100 | 0.13% | Shares |
| CITIGROUP INC | $72,124 | 1,903 | 0.12% | Shares |
| Vanguard Global Advisers, LLC | $65,378 | 1,725 | 0.11% | Shares |
| BlackRock, Inc. | $54,652 | 1,442 | 0.09% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $43,509 | 1,148 | 0.07% | Shares |
| Police & Firemen's Retirement System of New Jersey | $40,022 | 1,056 | 0.07% | Shares |
| Rockefeller Capital Management L.P. | $36,877 | 973 | 0.06% | Shares |
| CWM, LLC | $30,625 | 896 | 0.05% | Shares |
| NORTHERN TRUST CORP | $28,766 | 759 | 0.05% | Shares |
| OSAIC HOLDINGS, INC. | $27,780 | 733 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $25,166 | 664 | 0.04% | Shares |
| Ameritas Investment Partners, Inc. | $18,040 | 476 | 0.03% | Shares |
| Legal & General Group Plc | $15,918 | 420 | 0.03% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $12,100 | 354 | 0.02% | Shares |
| Janney Montgomery Scott LLC | $11,563 | 305,098 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $8,408 | 246 | 0.01% | Shares |
| UBS Group AG | $7,504 | 198 | 0.01% | Shares |
| M3F, Inc. | $6,507 | 171,696 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $6,254 | 165 | 0.01% | Shares |
| GAMMA Investing LLC | $4,359 | 115 | 0.01% | Shares |
| Sterling Capital Management LLC | $3,259 | 86 | 0.01% | Shares |
| Arax Advisory Partners | $3,070 | 81 | 0.01% | Shares |
| Glen Eagle Advisors, LLC | $2,843 | 75 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $2,843 | 75 | 0.00% | Shares |
| ROYAL BANK OF CANADA | $2,000 | 54 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $1,594 | 42 | 0.00% | Shares |
| Essential Partners LLC | $1,175 | 31 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $933 | 25 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $820 | 21,723 | 0.00% | Shares |
| IFP Advisors, Inc | $606 | 16 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $569 | 15 | 0.00% | Shares |
| FMR LLC | $265 | 7 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $190 | 5 | 0.00% | Shares |
| Allworth Financial LP | $114 | 3 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $38 | 1 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $38 | 1 | 0.00% | Shares |
| True Wealth Design, LLC | $38 | 1 | 0.00% | Shares |
| HAZLETT, BURT & WATSON, INC. | $36 | 958 | 0.00% | Shares |
| Roble, Belko & Company, Inc | $1 | 22 | 0.00% | Shares |
Company insiders 23 insiders · 10 officers · 17 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| John Haines Montgomery | President and CEO | June 17, 2026 M | 42,537 | 0 | 0 | $0 |
| Barron P. Mccune Jr. | Vice Chairman, President & CEO | Dec. 15, 2017 A | 56,525 | 0 | 0 | $0 |
| Amanda L Engles | EVP and CFO | Feb. 23, 2026 S | 2,054 | 0 | 3 | $-1,825 |
| Jamie L Prah | EVP and CFO | Feb. 16, 2024 A | 18,543 | 0 | 0 | $0 |
| Kevin D Lemley | EVP and CFO | Feb. 22, 2018 P | 940 | 0 | 0 | $0 |
| Jennifer L George | SEVP and COO | Feb. 17, 2026 F | 13,140 | 0 | 12 | $-167,150 |
| Patrick G Obrien | SEVP and COO | Dec. 15, 2017 A | 32,835 | 0 | 0 | $0 |
| Steven Cobain | Chief Credit Officer | Aug. 14, 2026 M | 4,313 | 0 | 14 | $-122,345 |
| Bruce A. Sharp | SEVP & Chief Comm Loan Officer | Feb. 20, 2026 M | 6,787 | 1 | 0 | $32,800 |
| Ralph Burchianti | SEVP & Chief Credit Officer | Feb. 16, 2026 A | 79,723 | 0 | 0 | $0 |
| John Swiatek | Director | Aug. 14, 2026 M | 12,644 | 0 | 1 | $-37,060 |
| David F. Pollock | Director | Feb. 16, 2026 A | 48,780 | 0 | 0 | $0 |
| Mark E. Fox | Director | Feb. 16, 2026 A | 13,164 | 0 | 0 | $0 |
| Charles R. Guthrie | Director | Feb. 16, 2026 A | 17,845 | 0 | 1 | $-71,451 |
| Roberta Robinson Olejasz | Director | Feb. 16, 2026 A | 13,264 | 0 | 0 | $0 |
| Jonathan Bedway | Director | Feb. 16, 2026 A | 20,749 | 0 | 0 | $0 |
| John J Lacarte | Director | Feb. 16, 2026 A | 46,920 | 0 | 0 | $0 |
| William G Petroplus | Director | June 18, 2018 P | 450 | 0 | 0 | $0 |
| Ralph J. Sommers Jr. | Director | Dec. 15, 2017 A | 20,260 | 0 | 0 | $0 |
| Joseph N. Headlee | Director | Dec. 15, 2017 A | 16,520 | 0 | 0 | $0 |
| Karl G. Baily | Director | Dec. 15, 2017 A | 13,830 | 0 | 0 | $0 |
| William C Groves | Director | Dec. 15, 2017 A | 15,699 | 0 | 0 | $0 |
| Richard B Boyer | Director | Dec. 15, 2017 A | 6,585 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 25 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.04% | 16,511 SH | Aug. 21, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.03% | 7,222 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.01% | 48,181 SH | Aug. 20, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 26,901 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,022 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 380 SH | Aug. 21, 2026 | Daily |
| RSSL · Global X Funds | 0.00% | 1,941 NS | April 30, 2026 | N-PORT |
| IWM · iShares Trust | 0.00% | 95,020 SH | Aug. 21, 2026 | Daily |
| ITWO · ProShares Trust | 0.00% | 216 NS | May 31, 2026 | N-PORT |
| RB · ProShares Trust | 0.00% | 1 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 169 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 173 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.00% | 13,294 NS | May 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 30,928 SH | Aug. 21, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 3,232 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 4 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 2,633 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 426 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,266 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 1,846 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 52,420 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 141,499 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 360 SH | Aug. 19, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |