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Equity
Citba Financial Corp(CBAF)
USD --+0.00%
Reward57Moderate
Risk33Moderate
📊75%Data
Strong 16% profit margin · 2.1% dividend yield
CBAF
+0.0 · +0.00%
USD · OTCQX
Citba Financial Corp | Financial Services
Defensive Anchor
Market Cap:62.58M
ℹ️
Reward Rating
57
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
33
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on CBAF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Citba Financial Corp?

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

CBAF · Verdict

Solid reward · moderate risk

CBAF scores well on volatility and cash flow with no major weaknesses flagged in the model.

Based on 88% data coverage

CBAF · Verdict

What’s working & what to watch

Strengths 3

  • Volatility95/100

    Top decile vs peers

  • Cash flow79/100

    27% free-cash-flow margin

  • Profitability68/100

    25% net margin · 7% ROE

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is Citba Financial Corp?

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. The company is listed on the OTCQX in USA, operating in the Financial Services sector, with a market capitalisation of 62.58M, and a P/E ratio of 9.5x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (57)

The scoring profile indicates moderate reward potential, with profitability and valuation as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap62.58M
P/E Ratio9.4535
Dividend Yield2.12%
52 Week High39.9167
52 Week Low27.0577
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding2M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQX
Beta0.183
CurrencyUSD
Websitewww.citizens-banking.com
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