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CITBA Financial Corporation (CBAF) Fair Value & Analysis

Financial Services · US · Market cap $61.6M

Price$38.56
Fair Value$55.78
Upside+44.7%
Quality95/100
Evidence: High Range $41.84 – $69.73

Fair value as of: Jun 26, 2026

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Analysis

CITBA Financial Corporation (CBAF) currently trades at $38.56, while our model-based Fair Value estimate is $55.78 — implying the stock looks roughly 44.7% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. It also provides personal loans, including auto, RV, and boat loans; real estate and construction loans; lines of credit; letters of credit; leases; SBA products; cash management services; and equipment and vehicle loans. In addition, the company offers personal and business credit cards; treasury management services; remote deposits, online banking, bill pay, mobile banking, and eStatement services. CITBA Financial Corporation was founded in 1931 and is based in Mooresville, Indiana.

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Frequently asked questions

Is CITBA Financial Corporation (CBAF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $55.78 versus a price of $38.56 — about +45% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CBAF?
Our 21-model fair value for CITBA Financial Corporation is $55.78 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.56.
What is the quality score of CBAF?
CITBA Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.