CB Financial Services Inc (CBFV)vsU.S. Bancorp (USB)
CBFV
CB Financial Services Inc
$33.78
-2.96%
FINANCIAL SERVICES · Cap: $170.35M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 61271% more annual revenue ($26.35B vs $42.94M). USB leads profitability with a 28.7% profit margin vs 11.4%. CBFV appears more attractively valued with a PEG of 1.12. USB earns a higher WallStSmart Score of 75/100 (B).
CBFV
Strong Buy65
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+13.4%
Fair Value
$43.06
Current Price
$33.78
$9.28 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 93.6% YoY
Strong operational efficiency at 29.6%
Revenue surging 21.6% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 3.2% — below average capital efficiency
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CBFV
The strongest argument for CBFV centers on Price/Book, EPS Growth, Operating Margin. Revenue growth of 21.6% demonstrates continued momentum. PEG of 1.12 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : CBFV
The primary concerns for CBFV are P/E Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CBFV profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
CBFV is growing revenue faster at 21.6% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 65/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CB Financial Services Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
CB Financial Services, Inc. is the banking holding company for Community Bank offering various banking products and services to individuals and businesses in southwestern Pennsylvania, West Virginia and Ohio. The company is headquartered in Carmichaels, Pennsylvania.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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