What is CITBA Financial Corporation (CBAF) stock price today?

CITBA Financial Corporation (CBAF) is currently trading at $38.65, up 0.35% today.

What is CBAF P/E ratio?

CITBA Financial Corporation's P/E ratio is 9.22. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is CBAF return on equity (ROE)?

CITBA Financial Corporation's return on equity (ROE) is 10.15%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is CITBA Financial Corporation's market cap?

CITBA Financial Corporation has a market capitalization of $58.82M.

OTC · Banks - Regional

CITBA Financial Corporation (CBAF) Stock

$38.65 +0.35% OTC: CBAF Financial Services

Valuation

Metric	Value
Price	$38.65
Market Cap	$58.82M
P/E Ratio	9.22
P/B Ratio	0.89
P/S Ratio	1.57
EPS (TTM)	$4.19
52-Week High	$40.16
52-Week Low	$28.50
Dividend Yield	2.69%

Financials & Margins

Metric	Value
ROE	10.15%
ROA	0.96%
ROCE	11.15%
Gross Margin	70.97%
Operating Margin	20.37%
Net Margin	17.73%
Debt/Equity	0.00
Current Ratio	0.34

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$21.0M	$24.0M	$30.0M	$33.0M	$37.0M
Operating Profit	$6.0M	$6.0M	$6.0M	$4.0M	$8.0M
Net Profit	$5.0M	$5.0M	$5.0M	$4.0M	$7.0M
EPS	$2.47	$2.89	$3.23	$2.23	$4.19
Op Margin	26.3%	25.6%	21.1%	12.0%	21.0%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$637.0M	$632.0M	$648.0M	$643.0M	$698.0M
Total Liabilities	$575.0M	$581.0M	$590.0M	$586.0M	$631.0M
Cash	$167.0M	$47.0M	$29.0M	$24.0M	$5.0M
Borrowings	$0	$0	$0	$0	$0

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$11.0M	$6.0M	$7.0M	$6.0M	$8.0M
Investing Cash Flow	$14.0M	$-129.0M	$-33.0M	$-6.0M	$-36.0M
Financing Cash Flow	$48.0M	$4.0M	$9.0M	$-7.0M	$43.0M
Net Cash Flow	$74.0M	$-121.0M	$-18.0M	$-5.0M	$0
Free Cash Flow	$9.0M	$5.0M	$5.0M	$3.0M	$7.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.36
EV / EBITDA	—
FCF Yield	—
Quick Ratio	—
Interest Coverage	—
Return 1Y	39.32%
Return 3Y	84.04%
Return 5Y	58.72%

Ownership

Insiders Held0.00%

Institutions Held4.83%

Institutions Float Held4.83%

Institutional Holder	Shares	Report Date
Siena Capital Partners GP, LLC	61,391	2026-03-31
PL Capital Advisors, LLC	11,502	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
CEFCCommercial National Financial Corporation	$15.75	+1.35%	12.32	$62.00M	5.49%
EQFNEquitable Financial Corp.	$18.25	-0.82%	11.48	$60.55M	0.00%
FBVIFCN Banc Corp.	$37.05	+0.14%	8.22	$63.81M	3.89%
FFWCFFW Corporation	$52.30	+0.58%	9.02	$56.64M	2.37%
FMFGFarmers and Merchants Bancshares, Inc.	$19.01	+0.00%	17.77	$61.51M	3.79%

About CITBA Financial Corporation

CITBA Financial Corporation serves as the parent entity for Citizens Bank, a financial institution providing a comprehensive array of banking services throughout the United States. Established in Mooresville, Indiana, in 1931, the company offers diverse account options for both individuals and businesses. Personal banking solutions include checking, various savings accounts (such as regular, money market, premium rate, and junior savers), individual retirement accounts, health savings accounts, and certificates of deposit. Businesses can access regular savings, individual retirement, and health savings accounts. The corporation also provides a wide range of lending products, including personal and business mortgages, auto loans, home equity loans, and financing for RVs and boats. Commercial clients can benefit from commercial loans, commercial mortgage loans, and business lines of credit. Additional offerings encompass credit cards, gift cards, and a suite of digital services like treasury management, remote deposit capture, online banking, bill pay, mobile banking, and eStatements.

CITBA Financial Corporation is headquartered in US.

CITBA Financial Corporation (CBAF) stock trades at $38.65 with a market capitalization of $58.82M. The stock is valued at a price-to-earnings (P/E) ratio of 9.22, price-to-book of 0.89, price-to-sales of 1.57. Over the past 52 weeks the stock has ranged between $28.50 and $40.16, and currently trades 3.8% below its 52-week high. It pays a dividend yielding 2.69%.

On profitability, CITBA Financial Corporation generates a return on equity (ROE) of 10.15%, return on capital employed of 11.15%, an operating margin of 20.37%, a net profit margin of 17.73%.

Official website: www.citizens-banking.com