Stock fact sheet · data as of
CITBA Financial Corporation (CBAF): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is CBAF undervalued?
At 46.39 (close of 16 Oct 2026), CBAF trades 53% below the GLS average fair value of 98.11. That average comes from 9 models run on the latest filings, and 8 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns CITBA Financial Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: DDM gives 14.86 while GLS Growth gives 153.68. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CBAF under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for CBAF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 138.75 | +199% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 65.32 | +41% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 151.11 | +226% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 58.69 | +27% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 153.68 | +231% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 106.31 | +129% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 145.64 | +214% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 14.86 | -68% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 48.59 | +5% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -412.96 | -990% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CBAF passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.0 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 10.1%, ROE 10.1%, ROA 1.0% - with debt at 0.00 times equity and negative free cash flow.
The dividend yield is 2.18% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 10.1% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 10.1% |
| Debt / equity | 0.00 | ROA | 1.0% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
CBAF has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $70M, with a beta of 0.16 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 53% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 9 / 15 | moat 6.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $70M cap, beta 0.16 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CBAF in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to CITBA Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CBWA Commencement Bancorp Inc. | 19.09 | 21.57 | +12% | 39No options | $71M |
| PBKX Partners Bank of California | 15.95 | 22.68 | +30% | 39No options | $71M |
| DWNX Delhi Bank Corp. | 21.15 | 10.59 | -100% | 23No options | $71M |
| MVLY Mission Valley Bancorp | 21.40 | 21.99 | +3% | 31No options | $72M |
| HFBK Harford Bank | 44.79 | 96.42 | +54% | 39No options | $68M |
| GSBX Golden State Bancorp | 39.31 | 66.10 | +41% | 39No options | $72M |
| CCBC Chino Commercial Bancorp | 18.75 | 26.19 | +28% | 39No options | $72M |
| CLST Catalyst Bancorp, Inc. | 16.75 | 20.94 | +20% | 39No options | $68M |
| HFBL Home Federal Bancorp, Inc. of Louisiana | 24.12 | 23.23 | -4% | 39No options | $73M |
| OAKV Oak View Bankshares, Inc. | 19.00 | 38.98 | +51% | 39No options | $66M |
| EQFN Equitable Financial Corp. | 19.90 | 30.68 | +35% | 39No options | $66M |
| HLFN Home Loan Financial Corporation | 46.50 | 136.35 | +66% | 39No options | $66M |
⚖ Compare CBAF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CBAF
Is CBAF undervalued right now?
By the GLS models, yes: at 46.39 the stock is 53% below the average fair value of 98.11 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CBAF and what does it mean?
CBAF has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CBAF?
98.11 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CITBA Financial Corporation report earnings next?
No upcoming earnings date is recorded for CBAF in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CBAF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CBAF, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.