CITBA Financial (CBAF) Stock Overview

Operates as the holding company for Citizens Bank that provides various banking services in the United States. More details

CBAF fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 21.4% below our estimate of its fair value

Pays a reliable dividend of 2.59%

Risk Analysis

Shares are highly illiquid

Earnings have declined by 3.8% per year over past 5 years

Latest financial reports are more than 6 months old

Does not have a meaningful market cap ($59M)

CBAF Community Fair Values

Create Narrative

See what others think this stock is worth. Follow their fair value or set your own to get alerts.

View Stock Community

CITBA Financial Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for CITBA Financial
Historical stock prices
Current Share Price	US$37.00
52 Week High	US$38.00
52 Week Low	US$27.50
Beta	0.20
1 Month Change	12.12%
3 Month Change	27.59%
1 Year Change	n/a
3 Year Change	45.67%
5 Year Change	31.91%
Change since IPO	260.98%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CBAF	US Banks	US Market
7D	0%	2.2%	1.3%
1Y	n/a	27.9%	15.8%

Return vs Industry: Insufficient data to determine how CBAF performed against the US Banks industry.

Return vs Market: Insufficient data to determine how CBAF performed against the US Market.

Price Volatility

Is CBAF's price volatile compared to industry and market?
CBAF volatility
CBAF Average Weekly Movement	n/a
Banks Industry Average Movement	3.8%
Market Average Movement	6.5%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	3.0%

Stable Share Price: CBAF's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CBAF's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1931	n/a	Keith Lindauer	www.citizens-banking.com

CITBA Financial Corporation operates as the holding company for Citizens Bank that provides various banking services in the United States. The company offers community, relationship, student, heritage, and heroes checking accounts; regular, money market, premium rate plus, junior, and health savings account, as well as certificate of deposit and individual retirement account; and business checking accounts. It also provides personal loans, including auto, RV, and boat loans; real estate and construction loans; lines of credit; letters of credit; leases; SBA products; cash management services; and equipment and vehicle loans.

CITBA Financial Corporation Fundamentals Summary

How do CITBA Financial's earnings and revenue compare to its market cap?
CBAF fundamental statistics
Market cap	US$58.88m
Earnings (TTM)	US$3.74m
Revenue (TTM)	US$22.84m

15.7x

P/E Ratio

1.0x

P/B Ratio

Is CBAF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBAF income statement (TTM)
Revenue	US$22.84m
Cost of Revenue	US$0
Gross Profit	US$22.84m
Other Expenses	US$19.09m
Earnings	US$3.74m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.35
Gross Margin	100.00%
Net Profit Margin	16.40%
Debt/Equity Ratio	0%

How did CBAF perform over the long term?

See historical performance and comparison

Dividends

2.6%

Current Dividend Yield

38%

Payout Ratio

Does CBAF pay a reliable dividends?

See CBAF dividend history and benchmarks

When do you need to buy CBAF by to receive an upcoming dividend?
CITBA Financial dividend dates
Ex Dividend Date	Jan 14 2026
Dividend Pay Date	Jan 28 2026
Days until Ex dividend	18 days
Days until Dividend pay date	32 days

Does CBAF pay a reliable dividends?

See CBAF dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/26 16:48
End of Day Share Price	2025/12/19 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

CITBA Financial Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.