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	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 54.2% below our estimate of its fair value

Earnings grew by 8.2% over the past year

Pays a reliable dividend of 2.95%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($47M)

My Notes

Capture your thoughts, links and company narrative

CITBA Financial Corporation Competitors

Pacific Valley Bancorp

OTCPK:PVBK

US$46.0m

Lifestore Financial Group

OTCPK:LSFG

US$47.0m

Citizens National

OTCPK:CZNL

US$45.4m

Ballston Spa Bancorp

OTCPK:BSPA

US$43.2m

Price History & Performance

Summary of share price highs, lows and changes for CITBA Financial
Historical stock prices
Current Share Price	US$28.50
52 Week High	US$28.50
52 Week Low	US$22.25
Beta	0.44
1 Month Change	6.03%
3 Month Change	17.53%
1 Year Change	23.91%
3 Year Change	-1.72%
5 Year Change	-10.09%
Change since IPO	178.05%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CBAF	US Banks	US Market
7D	0%	-3.4%	-2.2%
1Y	23.9%	29.3%	23.9%

Return vs Industry: CBAF underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: CBAF matched the US Market which returned 23.9% over the past year.

Price Volatility

Is CBAF's price volatile compared to industry and market?
CBAF volatility
CBAF Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

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 personal and business checking accounts; personal and business regular savings, money market savings, premium rate savings, individual retirement, and health savings accounts, as well as certificates of deposit; personal junior saver and roundup accounts; and savings overdraft protection. It also provides personal and business loans; auto, home equity, and RV and boat loans; real estate, commercial, and equipment and vehicle loans; leases, commercial mortgage, and business lines and letters of credit; conventional and jumbo mortgages, construction loans, land and lot loans, and manufactured housing loans; SBA products; credit cards; and gift cards.

CITBA Financial Corporation Fundamentals Summary

How do CITBA Financial's earnings and revenue compare to its market cap?
CBAF fundamental statistics
Market cap	US$47.32m
Earnings (TTM)	US$5.50m
Revenue (TTM)	US$23.82m

8.6x

P/E Ratio

0.8x

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$23.82m
Cost of Revenue	US$0
Gross Profit	US$23.82m
Other Expenses	US$18.32m
Earnings	US$5.50m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	3.31
Gross Margin	100.00%
Net Profit Margin	23.08%
Debt/Equity Ratio	0%

How did CBAF perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

25%

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 15 2025
Dividend Pay Date	Jan 29 2025
Days until Ex dividend	21 days
Days until Dividend pay date	35 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	2024/12/24 16:37
End of Day Share Price	2024/12/10 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

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 here.

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 .

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.

Analyst	Institution