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CITBA Financial Corporation

CITBA Financial Corporation

CBAF
CITBA Financial CorporationUS flagOther OTC
38.31
USD
+0.06
- -
58.29MMarket Cap
CITBA Financial Corporation
CBAF
(Other OTC)

Recent

price

38.31

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.8
8.96
8.43
8.46
9.18
9.2
9.39
10.22
10.62
11.42
11.24
13.05
13.73
13.25
16.35
16.65
Revenue per Share
0.78
1.14
1.31
0.53
1.64
1.72
1.62
2.3
2.86
2.86
2.47
2.89
3.23
2.23
4.19
3.22
Basic EPS, GAAP
2.68
1.56
2.55
1.84
2.85
2.12
1.08
2.8
2.09
-1.44
5.04
2.93
3.21
1.46
4.52
- -
Free Cash Flow per Basic Share
- -
0.11
0.15
0.3
0.24
0.27
0.32
0.38
0.44
0.56
0.58
0.64
0.78
0.84
0.86
- -
Dividend per Share
15.34
16.36
17.51
17.68
19.07
20.52
21.81
23.69
26.07
28.36
29.8
32.1
35.01
36.06
40.69
41.64
Book Value per Share
17.6
18.98
19.54
20.52
21.86
23.03
24.31
25.87
29.87
33.79
33.98
29.31
34.08
34.17
41.39
41.74
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
16
17
16
16
17
17
17
19
20
21
21
23
23
22
26
26
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
- -
Depreciation Expense
1
2
2
1
3
3
3
4
5
5
5
5
5
4
7
5
Net Income, GAAP
14.4
26.72
30.82
22.65
34.34
35.91
40.75
21.94
21.95
21.09
19.6
16.84
12.28
4.75
13.57
13.38
Effective Tax Rate (%)
8.87
12.69
15.49
6.23
17.89
18.75
17.27
22.5
26.9
25.02
22
22.14
23.52
16.87
25.79
19.35
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
10
5
11
25
- -
18
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
33
35
36
38
41
43
45
48
55
63
62
52
58
57
67
66
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
7.18
7.72
3
8.93
8.71
7.66
10.1
11.48
10.5
8.43
9.17
9.48
6.24
10.7
7.84
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
61
64
59

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
61
227
207
Accounts Receivable, Net
3
3
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.61%
2.04%
16.83%
Free Cash Flow
-44.96%
-68.07%
196.63%
Net Income, GAAP
12.03%
11.03%
81.04%
Sales/Revenue/Turnover
4.66%
4.8%
18.43%
Total Cash Common Dividend
11.95%
5.35%
-6.04%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
5
6
6
22
2025
7
6
6
7
26
2026
6
7
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.52
0.54
0.67
0.49
2.23
2025
1.28
0.88
- -
1.04
4.19
2026
1.08
1.1
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.84
2025
- -
- -
- -
- -
0.86
2026
- -
- -
- -
- -
- -
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Business
CITBA Financial Corporation (CBAF) operates as a bank holding company that owns and manages Citizens Bank, providing a full range of community banking services through nine full-service offices and ATMs/ITMs primarily in Morgan, Hendricks, Johnson, and Marion counties in central Indiana. The bank offers deposit products including community, relationship, student, heritage, and heroes checking accounts; regular, money market, premium rate plus, junior, and health savings accounts; certificates of deposit; and individual retirement accounts; as well as business checking accounts; personal and business credit cards; and digital services such as online banking, bill pay, mobile banking, remote deposit, and eStatements. It provides lending solutions encompassing commercial, commercial real estate, residential mortgage, and consumer loans including auto, RV, boat, real estate, construction, equipment, and vehicle loans; lines of credit; letters of credit; leases; and SBA products; alongside treasury and cash management services. Founded in 1931 and headquartered in Mooresville, Indiana, the company operates in the regional banking sector targeting individuals, families, and businesses in its local markets. Recent developments include the closure of the East Morgan Street branch in Martinsville, Indiana, in December 2024 followed by the sale of its real estate in Q1 2025 generating a $353,000 gain; a debit card contract renewal and interchange processing change implemented in late 2024 with one-time charges of $651,000 expected to yield long-term cost savings; ongoing branch remodels such as the Monrovia location in Q1 2025 and plans for others; expansion of Interactive Teller Machines (ITMs) across additional branches; completion of a 2024 asset reallocation plan boosting mortgage and commercial loans while stabilizing consumer loans; quarterly dividends maintained at $0.21 per share payable April 28, 2025; and Q1 2025 net income of $2.1 million.