CB Financial Services, Inc. — Earnings Quality Grade C
CBFV · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -15.5%, CFFO 163.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -80.4% vs revenue -15.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 3.63. Profits backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = -0.8%. Low accruals
Cash $0.0B covers 91% of debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor CBFV continuously
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Altman Z-Score — Not Applicable
CB Financial Services, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25