CB Financial Services (CBFV) appears an attractive pick, as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). An upward trend in earnings estimates -- one of the most powerful forces impacting stock prices -- has triggered this rating change.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.Since a changing ...

Core Viewpoint - The article highlights three stocks with strong income characteristics and a buy rank for investors to consider on December 24th Group 1: Company Summaries - CB Financial Services, Inc. (CBFV) has a Zacks Rank 1 and its current year earnings estimate has increased by 4.2% over the last 60 days, with a dividend yield of 2.9%, surpassing the industry average of 2.4% [1] - Garrett Motion Inc. (GTX) also holds a Zacks Rank 1, with a current year earnings estimate increase of 2.1% over the last 60 days, and a dividend yield of 1.8%, compared to the industry average of 0.0% [2] - Pan American Silver Corp. (PAAS) has a Zacks Rank 1 and has seen its current year earnings estimate rise by 4.7% over the last 60 days [2]

Core Viewpoint - Investors are encouraged to consider CB Financial Services (CBFV) due to improving earnings estimates and positive short-term price momentum [1][2] Earnings Estimates - Analysts are increasingly optimistic about the earnings prospects of CB Financial Services, leading to higher earnings estimates that are expected to positively impact the stock price [2] - The current-quarter earnings estimate is projected at $0.83 per share, reflecting a year-over-year increase of +137.1% [6] - The consensus estimate for the full year is $2.74 per share, indicating a +35.0% change from the previous year [7] Estimate Revisions - Over the last 30 days, the Zacks Consensus Estimate for CB Financial Services has risen by 6.41%, with one estimate increasing and no negative revisions [6] - The consensus estimate for the current year has increased by 5.79%, supported by one upward revision and no negative changes [8] Zacks Rank - CB Financial Services holds a Zacks Rank 1 (Strong Buy), indicating strong agreement among analysts on upward earnings estimate revisions [9] - Stocks with a Zacks Rank 1 and 2 are shown to significantly outperform the S&P 500 [9] Stock Performance - The stock has appreciated by 7.6% over the past four weeks, driven by strong estimate revisions, suggesting potential for further upside [10]

Financial Performance - Net loss for the three months ended September 30, 2025, was $5.7 million, a decrease of $8.9 million compared to net income of $3.2 million for the same period in 2024[151]. - Net income for the nine months ended September 30, 2025, was $164,000, a decrease of $9.9 million compared to $10.1 million for the same period in 2024[167]. - Noninterest income decreased by $12.8 million, or 333.3%, resulting in a loss of $9.0 million for the nine months ended September 30, 2025, primarily due to a loss on securities repositioning of $11.8 million[180]. Asset and Liability Management - Total assets increased by $64.0 million, or 4.3%, to $1.55 billion as of September 30, 2025, compared to $1.48 billion at December 31, 2024[141]. - Total deposits rose by $50.9 million, or 4.0%, to $1.33 billion as of September 30, 2025, compared to $1.28 billion at December 31, 2024[145]. - Cash and due from banks increased by $6.3 million, or 12.7%, to $55.9 million at September 30, 2025, compared to $49.6 million at December 31, 2024[146]. - The Company had liquid assets of $55.9 million in cash and due from banks, with additional unpledged securities totaling $93.2 million as of September 30, 2025[189]. Loan Portfolio - Total loans increased by $50.8 million, or 4.6%, to $1.14 billion at September 30, 2025, compared to $1.09 billion at December 31, 2024[146]. - The composition of the loan portfolio included 29.2% residential real estate, 47.2% commercial real estate, and 12.6% commercial and industrial loans as of September 30, 2025[198]. - Total Nonowner Occupied CRE loans amounted to $423.5 million, with an average loan size of $1,332 and an average loan-to-value (LTV) ratio of 58.98%[199]. - Total Owner Occupied CRE loans were $115.9 million, with an average loan size of $577 and an average LTV ratio of 54.10%[200]. Interest Income and Expense - Net interest income on a fully tax-equivalent basis increased to $13.2 million for the three months ended September 30, 2025, compared to $11.5 million for the same period in 2024, reflecting a net interest margin of 3.67%[136]. - Interest income on loans increased by $1.0 million, or 6.9%, to $16.0 million for the three months ended September 30, 2025, driven by a $56.1 million increase in the average balance of loans[155]. - Interest expense decreased by $2.1 million, or 24.8%, to $6.2 million for the three months ended September 30, 2025, compared to $8.3 million for the same period in 2024[155]. - Net interest and dividend income increased by $1.6 million, or 14.2%, to $13.1 million for the three months ended September 30, 2025, compared to $11.5 million for the same period in 2024[152]. Capital and Equity - Stockholders' equity increased by $5.1 million, or 3.5%, to $152.5 million at September 30, 2025, compared to $147.4 million at December 31, 2024[149]. - Tangible book value per common share increased by $1.74, or 6.5%, to $28.56 compared to $26.82 at December 31, 2024[150]. - At September 30, 2025, the Bank's Common Equity Tier 1 capital ratio was 14.19%, compared to 14.78% at December 31, 2024, indicating a strong capital position[197]. Credit Quality - The allowance for credit losses (ACL) was $10.1 million at September 30, 2025, with an ACL to total loans ratio of 0.89%[146]. - Nonperforming loans increased to $2.2 million at September 30, 2025, with a nonperforming loans to total loans ratio of 0.19%[146]. - Provision for credit losses was recorded at $259,000 for the three months ended September 30, 2025, with $336,000 attributed to loans[162]. - For the nine months ended September 30, 2025, net provision for credit losses was $227,000, compared to a recovery of $114,000 for the same period in 2024, reflecting loan growth and qualitative factors[179]. Interest Rate Risk Management - The Company actively manages interest rate risk through an Asset/Liability Management Committee, which meets quarterly to evaluate and implement strategies[201]. - Interest rate risk is monitored using a simulation model that assesses the impact on net interest income and economic value of equity (EVE) under various interest rate scenarios[202]. - As of September 30, 2025, a 400 basis point increase in interest rates would result in a decrease of $34.9 million (15.5%) in EVE[207]. - The Company emphasizes the importance of interest rate risk analysis to ensure compliance with policy guidelines and to mitigate potential financial impacts[203].

Core Insights - CB Financial Services (CBFV) reported quarterly earnings of $0.74 per share, exceeding the Zacks Consensus Estimate of $0.66 per share and up from $0.55 per share a year ago [1][2] - The company achieved a revenue of $14.17 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 1.24% and increasing from $12.71 million year-over-year [3] Earnings Performance - The earnings surprise for the quarter was +12.12%, and the company had a significant surprise of +85% compared to the previous quarter's expectation of $0.40 per share [2] - Over the last four quarters, CB Financial Services has exceeded consensus EPS estimates three times [2] Revenue Insights - The revenue growth reflects a year-over-year increase, with the company topping consensus revenue estimates three times in the last four quarters [3] Stock Performance - CB Financial Services shares have appreciated approximately 14.4% since the beginning of the year, compared to a 13.9% gain in the S&P 500 [4] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $0.78 on revenues of $14.8 million, and for the current fiscal year, it is $2.63 on revenues of $54.4 million [8] - The favorable trend in estimate revisions prior to the earnings release has resulted in a Zacks Rank 1 (Strong Buy) for the stock, indicating expected outperformance in the near future [7] Industry Context - The Banks - Northeast industry, to which CB Financial Services belongs, is currently ranked in the top 24% of over 250 Zacks industries, suggesting a positive outlook for the sector [9]

Financial Performance - For the three months ended September 30, 2025, net (loss) income was $(5.696) million, compared to net income of $3.949 million for the previous quarter[3]. - Adjusted net income (Non-GAAP) for the same period was $3.927 million, maintaining the same level as the previous quarter[3]. - The company reported a Net (Loss) Income of $(5,696,000) for Q3 2025, compared to a profit of $3,949,000 in Q2 2025[34]. - Basic Loss per Common Share for Q3 2025 was $(1.14), a decline from earnings of $0.79 in Q2 2025[34]. - The Return on Average Assets for Q3 2025 was (1.50)%, down from 1.06% in Q2 2025[34]. - The company reported a net loss of $5,696,000 for the three months ended September 30, 2025, compared to a net income of $3,949,000 for the previous quarter[48]. - The efficiency ratio (GAAP) was reported at 379.15% for the three months ended September 30, 2025, compared to 64.94% in the previous quarter[49]. Asset and Liability Management - Total assets increased by $27.5 million to $1.55 billion, driven by strong commercial real estate and industrial loan production[4]. - Total assets increased by $64.0 million, or 4.3%, to $1.55 billion as of September 30, 2025, compared to $1.48 billion at December 31, 2024[18]. - Total liabilities rose by $58.9 million, or 4.4%, to $1.39 billion at September 30, 2025, compared to $1.33 billion at December 31, 2024[20]. - Total deposits increased by $50.9 million, or 4.0%, to $1.33 billion as of September 30, 2025, compared to $1.28 billion at December 31, 2024[21]. - Cash and due from banks increased by $6.3 million, or 12.7%, to $55.9 million at September 30, 2025, compared to $49.6 million at December 31, 2024[22]. Loan and Credit Quality - Total loans increased by $50.8 million, or 4.6%, with commercial loans comprising 59.8% of the loan portfolio as of September 30, 2025[8]. - The provision for credit losses was $259,000, reflecting additional reserves for loan growth and changes in qualitative factors[13]. - The allowance for credit losses (ACL) was $10.1 million at September 30, 2025, with an ACL to total loans ratio of 0.89%[22]. - The bank's nonperforming loans represented just 0.19% of total loans, indicating strong asset quality[11]. - Nonperforming loans increased to $2.2 million at September 30, 2025, with a nonperforming loans to total loans ratio of 0.19%[22]. Income and Expense Analysis - Total Interest and Dividend Income for Q3 2025 was $19,341,000, an increase of 3.09% from $18,760,000 in Q2 2025[33]. - Net Interest and Dividend Income after provisions for credit losses was $12,840,000 for Q3 2025, compared to $12,532,000 in Q2 2025, reflecting a growth of 2.46%[33]. - Noninterest (Loss) Income for Q3 2025 was $(10,677,000), a significant decrease from $931,000 in Q2 2025, primarily due to a net loss on securities of $(11,752,000)[33]. - Total Noninterest Expense for Q3 2025 was $9,183,000, an increase of 4.95% from $8,748,000 in Q2 2025[33]. - Net Gain on Securities was $11,752,000 in Q3 2025, with no gains reported in Q2 2025[47]. Capital and Book Value - Stockholders' equity increased by $5.1 million, or 3.5%, to $152.5 million at September 30, 2025, compared to $147.4 million at December 31, 2024[25]. - Book value per share was $30.50, with tangible book value per share at $28.56 as of September 30, 2025[11]. - Book value per common share rose to $30.50 at September 30, 2025, an increase of $1.79 from $28.71 at December 31, 2024[26]. - The tangible common equity to tangible assets ratio was 9.3% as of September 30, 2025, compared to 9.0% a year earlier[46].

Company Overview - CB Financial Services (CBFV) is headquartered in Carmichaels and operates as a holding company for Pennsylvania-based Community Bank, with a year-to-date price change of 14.59% [3] Dividend Information - CBFV currently pays a dividend of $0.26 per share, resulting in a dividend yield of 3.18%, which is higher than the Banks - Northeast industry's yield of 2.63% and the S&P 500's yield of 1.49% [3] - The company's annualized dividend of $1.04 has increased by 4% from the previous year, with an average annual increase of 1.24% over the last five years [4] - CBFV's current payout ratio is 47%, indicating that it pays out 47% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year 2025, the Zacks Consensus Estimate predicts earnings of $2.59 per share, reflecting a 27.59% increase from the previous year [5] Investment Appeal - CBFV is characterized as an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 1 (Strong Buy) [6]

Company Overview - CB Financial Services (CBFV) is headquartered in Carmichaels and operates in the Finance sector, with a stock price change of 18.58% since the start of the year [3] Dividend Information - CBFV currently pays a dividend of $0.26 per share, resulting in a dividend yield of 3.07%, which is higher than the Banks - Northeast industry's yield of 2.55% and the S&P 500's yield of 1.52% [3] - The company's annualized dividend of $1.04 has increased by 4% from the previous year, with an average annual increase of 1.24% over the last 5 years [4] - CBFV's current payout ratio is 47%, indicating that it paid out 47% of its trailing 12-month EPS as dividends [4] Earnings Growth - The Zacks Consensus Estimate for CBFV's earnings in 2025 is $2.59 per share, reflecting a year-over-year earnings growth rate of 27.59% [5] Investment Appeal - CBFV is considered an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 1 (Strong Buy) [6]

Company Overview - CB Financial Services (CBFV) is located in Carmichaels and operates in the Finance sector. The stock has experienced a price change of 10.67% since the beginning of the year [3]. Dividend Information - CBFV currently pays a dividend of $0.26 per share, resulting in a dividend yield of 3.29%. This yield is higher than the Banks - Northeast industry's yield of 2.69% and the S&P 500's yield of 1.49% [3]. - The company's annualized dividend of $1.04 has increased by 4% from the previous year. Over the last five years, CBFV has raised its dividend once on a year-over-year basis, with an average annual increase of 1.24% [4]. Earnings Growth - CBFV is projected to see earnings growth this fiscal year, with the Zacks Consensus Estimate for 2025 at $2.57 per share, indicating a year-over-year growth rate of 26.60% [5]. Investment Appeal - CBFV is considered an attractive dividend investment and a compelling opportunity, holding a Zacks Rank of 1 (Strong Buy) [6].

Core Viewpoint - CB Financial Services (CBFV) has shown a downtrend recently, losing 5.3% over the past two weeks, but a hammer chart pattern suggests a potential trend reversal as buying interest may be emerging to counteract selling pressure [1][2]. Technical Analysis - The hammer chart pattern indicates a possible bottoming out, with reduced selling pressure, suggesting that bulls may be regaining control [2][5]. - A hammer pattern forms when there is a small candle body with a long lower wick, indicating that the stock opened lower, made a new low, but closed near or above the opening price, signaling potential support [4][5]. Fundamental Analysis - There has been a positive trend in earnings estimate revisions for CBFV, with a 33.9% increase in the consensus EPS estimate for the current year over the last 30 days, indicating analysts expect better earnings than previously predicted [7][8]. - The strong agreement among Wall Street analysts in raising earnings estimates enhances the bullish outlook for CBFV [2][7]. Zacks Rank - CBFV currently holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks, which typically outperform the market [9][10]. - The Zacks Rank serves as a timing indicator, suggesting that the company's prospects are beginning to improve, further supporting the case for a trend reversal [10].