OTCPK:CBAF

Stock Analysis Report

Executive Summary

CITBA Financial Corporation operates as the holding company for Citizens Bank that provides various banking services in the United States.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Risks

  • CITBA Financial's last earnings update was 1640 days ago.
  • CITBA Financial is not covered by any analysts.

Share Price & News

How has CITBA Financial's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.5%

OTCPK:CBAF

-2.6%

US Banks

-1.0%

US Market


1 Year Return

4.0%

OTCPK:CBAF

-14.2%

US Banks

-0.4%

US Market

CBAF outperformed the Banks industry which returned -14.2% over the past year.

CBAF outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

CBAFIndustryMarket
7 Day-0.5%-2.6%-1.0%
30 Day3.4%-6.3%-3.3%
90 Day4.7%-3.5%0.8%
1 Year5.6%4.0%-11.8%-14.2%1.9%-0.4%
3 Year80.1%72.7%42.2%32.4%39.4%30.4%
5 Year115.5%100.3%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is CITBA Financial's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is CITBA Financial undervalued based on future cash flows and its price relative to the stock market?


Intrinsic Value Based on Future Cash Flows

CITBA Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

CITBA Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Unable to compare the PE ratio to the industry average as no data exists.

Unable to calculate PE ratio for CITBA Financial, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for CITBA Financial, we can't assess if its growth is good value.


Price Based on Value of Assets

Unable to compare the PB ratio to the industry average as no data exists.


Next Steps

Future Growth

How is CITBA Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.5%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as CITBA Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has CITBA Financial performed over the past 5 years?

15.4%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, CITBA Financial has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is CITBA Financial's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse CITBA Financial's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. CITBA Financial has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when CITBA Financial's financial data was last updated here.
  • Explore more healthy companies in the banks industry.

Dividend

What is CITBA Financial's current dividend yield, its reliability and sustainability?

1.21%

Current Dividend Yield


Dividend Yield and Payments Analysis

CITBA Financial's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

CITBA Financial's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Whilst dividend payments have been stable, CITBA Financial has been paying a dividend for less than 10 years.

Dividend payments have increased, but CITBA Financial only paid a dividend in the past 6 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as CITBA Financial has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of CITBA Financial's salary, the management and board of directors tenure and is there insider trading?

4.5yrs

Average board tenure


CEO

Keith Lindauer

4.8yrs

Tenure

Mr. Keith A. Lindauer has been the Chief Executive Officer and President at CITBA Financial Corporation and Citizens Bank since October 22, 2014. Mr. Lindauer served as Senior Vice President of Lending at  ...


Board Age and Tenure

4.5yrs

Average Tenure

The tenure for the CITBA Financial board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • John Purdie

    Senior VP

  • Mike Polley

    Senior Vice President of Operations and Facilities - Citizens Bank

  • Cory Palmer

    Senior Vice President of Technology - Citizens Bank

  • Pennie Stancombe

    Senior Vice President of Human Resources - Citizens Bank

  • Beth Mulbarger

    VP, Controller & Cashier of Citizens Bank

  • Keith Lindauer

    President

    • Tenure: 4.8yrs
  • Mark Lemieux

    Senior Vice President of Retail and Marketing - Citizens Bank

  • Chip Keller

    Secretary

  • Holly Erickson

    Shareholder Contact

  • John Fleener (70yo)

    Treasurer & Chief Financial Officer


Board Members

  • Keith Lindauer

    President

    • Tenure: 5.6yrs
  • Larry Heydon

    Chairman of the Board

    • Tenure: 4.6yrs
  • Jeff Banning

    Director

    • Tenure: 9.6yrs
  • Chris Branson

    Director

    • Tenure: 4.5yrs
  • Tom Hubbard

    Vice Chairman of the Board

  • Jon Wilkowski

    Director

    • Tenure: 3.6yrs
  • Jennifer Andres

    Director

    • Tenure: 2.6yrs
  • Jeremy Mills

    Director

    • Tenure: 1.6yrs

Company Information

CITBA Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: CITBA Financial Corporation
  • Ticker: CBAF
  • Exchange: OTCPK
  • Founded: 1931
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$54.432m
  • Shares outstanding: 1.85m
  • Website: Click here

Location

  • CITBA Financial Corporation
  • 33 North Indiana Street
  • Mooresville
  • Indiana
  • 46158
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CBAFOTCPK (Pink Sheets LLC)YesCommon StockUSUSDApr 1996

Biography

CITBA Financial Corporation operates as the holding company for Citizens Bank that provides various banking services in the United States. It offers personal and business checking accounts; personal regula ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 23:33
End of Day Share Price2019/08/16 00:00
Earnings2014/12/31
Annual Earnings2014/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.