City Bank (CTBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
City Bank (CTBK) trades at $0.0001 with AI Score 42/100 (Grade C). City Bank, acquired by Whidbey Island Bank in 2010, offers commercial banking services from its headquarters in Lynnwood, Washington. Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for CTBK: CTBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CTBK against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CTBK: 2/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
City Bank (CTBK) Financial Services Profile
City Bank, a regional bank acquired by Whidbey Island Bank in 2010, provides commercial banking services. Operating since 1974, the company focuses on traditional banking within the competitive financial services sector, facing challenges in a rapidly evolving digital landscape and increased regulatory scrutiny.
What Is the Investment Thesis for CTBK?
City Bank's acquisition by Whidbey Island Bank in 2010 effectively ended its independent existence as a publicly traded entity. Therefore, there is no investment thesis applicable to CTBK as a standalone stock. The company's historical financials and operational data are relevant only for understanding its past performance and contribution to Whidbey Island Bank. Investors interested in the regional banking sector should focus on active, publicly traded banks and financial institutions, analyzing their current financial health, growth prospects, and competitive positioning. Factors to consider include net interest margin, loan growth, asset quality, and efficiency ratio. Furthermore, regulatory changes and macroeconomic conditions can significantly impact the performance of regional banks, requiring careful monitoring and analysis.
Based on FMP financials and quantitative analysis
CTBK Key Highlights
- City Bank was acquired by Whidbey Island Bank on April 17, 2010, ceasing its operations as an independent entity.
- Prior to acquisition, City Bank offered commercial banking services, including deposit accounts and loans.
- The company was incorporated in 1974 and headquartered in Lynnwood, Washington.
- Market Cap of $0.00B indicates that the company is no longer trading independently.
- Profit Margin of -260.0% reflects financial difficulties prior to acquisition.
Who Are CTBK's Competitors?
CTBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FRAF Franklin Financial Services Corporation | $62.81 | +1.82% | $282M | 92 |
| FVCB FVCBankcorp, Inc. | $17.66 | -0.90% | $318M | 92 |
| CZFS Citizens Financial Services, Inc. | $71.50 | -1.62% | $344M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $33.99 | +0.27% | $383M | 92 |
| PCB PCB Bancorp | $28.86 | -0.81% | $411M | 93 |
| PDLB Ponce Financial Group, Inc. | $19.91 | -0.50% | $482M | 92 |
| OBT Orange County Bancorp, Inc. | $37.24 | +0.13% | $499M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CTBK's Key Strengths?
- Established presence in the Lynnwood community.
- Experienced banking professionals.
- Focus on customer service.
- Understanding of local market dynamics.
What Are CTBK's Weaknesses?
- Limited geographic reach.
- Smaller asset base compared to larger banks.
- Dependence on local economy.
- Lack of advanced technology infrastructure.
What Could Drive CTBK Stock Higher?
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no catalysts to analyze for CTBK.
What Are the Key Risks for CTBK?
- Financial-distress signal — its Altman Z-Score of -1.08 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-59.6%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no risks to analyze for CTBK.
What Are the Growth Opportunities for CTBK?
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no growth opportunities to analyze for CTBK.
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no growth opportunities to analyze for CTBK.
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no growth opportunities to analyze for CTBK.
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no growth opportunities to analyze for CTBK.
- Not Applicable: City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently. Therefore, there are no growth opportunities to analyze for CTBK.
What Opportunities Does CTBK Have?
- Expansion of online banking services.
- Development of new loan products.
- Partnerships with local businesses.
- Community development initiatives.
What Threats Does CTBK Face?
- Competition from larger national banks.
- Increasing regulatory requirements.
- Economic downturn in the local area.
- Cybersecurity risks.
What Are CTBK's Competitive Advantages?
- Established relationships with local customers and businesses.
- Knowledge of the local market and community.
- Personalized customer service.
- Branch network in the Lynnwood area.
What Does CTBK Do?
City Bank was incorporated in 1974 and offered commercial banking services until its acquisition by Whidbey Island Bank on April 17, 2010. Headquartered in Lynnwood, Washington, City Bank operated as a traditional brick-and-mortar institution, providing services such as deposit accounts, loans, and other financial products to individuals and businesses within its local community. Prior to its acquisition, City Bank navigated the complexities of the regional banking sector, focusing on building relationships with local customers and businesses. The bank's strategy involved offering personalized services and competitive rates to attract and retain customers in a market characterized by larger national banks and smaller community institutions. City Bank's history reflects the evolution of the banking industry, with the company adapting to changing regulations, economic conditions, and technological advancements. Its acquisition by Whidbey Island Bank marked a transition in its operational structure, integrating its services into a larger banking network. The bank's legacy remains as a provider of essential financial services to the Lynnwood community and its surrounding areas. The acquisition reflects the ongoing consolidation within the banking sector, as smaller regional banks seek to gain scale and efficiency through mergers and acquisitions.
What Products and Services Does CTBK Offer?
- Offered deposit accounts, including checking, savings, and money market accounts.
- Provided loans to individuals and businesses, such as mortgages, auto loans, and commercial loans.
- Facilitated fund transfers and wire services.
- Offered online banking services for account management and transactions.
- Provided customer service through branch locations and phone support.
- Engaged in community development activities to support local economic growth.
How Does CTBK Make Money?
- Generated revenue through interest income on loans.
- Earned fees from services such as account maintenance, wire transfers, and overdraft protection.
- Managed assets and liabilities to optimize profitability.
- Focused on building relationships with local customers and businesses.
What Industry Does CTBK Operate In?
City Bank operated within the regional banking sector, a segment characterized by institutions focusing on serving local communities and businesses. This sector faces increasing competition from larger national banks, credit unions, and fintech companies. Market trends include the rise of digital banking, increasing regulatory scrutiny, and fluctuating interest rates. The regional banking sector is also influenced by economic conditions, such as GDP growth, unemployment rates, and housing market trends. Competitors in this space include other regional banks and financial institutions that offer similar services to local customers. Consolidation through mergers and acquisitions is a common strategy for regional banks to gain scale and improve efficiency.
Who Are CTBK's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial banking solutions.
- Local community organizations and non-profits.
- Real estate developers and investors.
City Bank (CTBK) Valuation Context
Relative to its peer group, CTBK's quantitative score of 42/100 is below the peer average of 92/100.
ROE -60%Key Financial Metrics
Return on equity for City Bank stands at -59.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -7.9%, showing how much profit it generates from its asset base. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching.
F-Score 3/9Financial Health
City Bank's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -1.08 places it in the distress zone, a signal of elevated financial risk.
CTBK Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see value, hinting at potential upside.
- The community seems optimistic about City Bank's local market focus, believing it insulates them from broader economic downturns.
- Positive chatter revolves around City Bank's customer service, which is seen as a competitive advantage in retaining and attracting clients.
- There's a perception that City Bank is undervalued compared to its peers, making it an attractive acquisition target.
Bear Case
- Some community members are concerned about City Bank's exposure to the local real estate market, fearing potential defaults.
- Increased regulatory scrutiny in the banking sector is creating uncertainty around compliance costs and future profitability.
- The overall market sentiment is leaning towards caution due to interest rate hikes, impacting regional banks like City Bank.
- There are whispers about increased competition from larger national banks moving into City Bank's territory, potentially eroding market share.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
CTBK Latest News
No recent news available for CTBK.
CTBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CTBK.
Price Targets
Wall Street price target analysis for CTBK.
CTBK MoonshotScore
What does this score mean?
The MoonshotScore rates CTBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
CTBK OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for quotation on OTCQX or OTCQB. Companies in this tier may have limited or no financial disclosure, making it difficult for investors to assess their financial health and operational performance. These securities often trade at very low prices and are subject to significant price volatility. Investing in OTC Other securities carries a high degree of risk due to the lack of regulation and transparency compared to exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited or no financial disclosure.
- High price volatility.
- Low trading volume and liquidity.
- Potential for fraud or manipulation.
- Lack of regulatory oversight.
- Verify the company's registration and legal status.
- Attempt to locate any available financial information, even if limited.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC Other securities.
- Consult with a qualified financial advisor.
- Be prepared to lose your entire investment.
- Company has a verifiable physical address and contact information.
- Management team has relevant industry experience.
- Company has a clear business plan and strategy.
- Company maintains a professional website.
- Company responds to investor inquiries.
Common Questions About CTBK (Financial Services)
What does the AI Score mean for CTBK?
CTBK holds an AI Score of 42/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. City Bank, acquired by Whidbey Island Bank in 2010, offers commercial banking services from its headquarters in Lynnwood, Washington. The company, incorporated in 1974, operates within the regional …
What does City Bank do?
City Bank, prior to its acquisition by Whidbey Island Bank, provided commercial banking services to individuals and businesses in the Lynnwood, Washington area. These services included deposit accounts such as checking and savings, loan products like mortgages and commercial loans, and other financial services such as wire transfers and online banking.
What do analysts say about CTBK stock?
Since City Bank was acquired by Whidbey Island Bank in 2010, there is no current analyst coverage or consensus on CTBK stock. Any historical analyst ratings or price targets are no longer relevant. Investors interested in the regional banking sector should focus on active, publicly traded banks and financial institutions.
What are the main risks for CTBK?
Given that City Bank was acquired by Whidbey Island Bank in 2010 and no longer operates independently, there are no ongoing risks associated with CTBK as a standalone entity. However, risks associated with investing in OTC securities generally include limited financial disclosure, high price volatility, low trading volume, and potential for fraud or manipulation.
What are the key factors to evaluate for CTBK?
City Bank (CTBK) holds an AI score of 42/100 (low). Not financial advice.
How frequently does CTBK data refresh on this page?
CTBK's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CTBK's recent stock price performance?
City Bank (CTBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the Lynnwood community. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CTBK overvalued or undervalued right now?
City Bank (CTBK) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CTBK before investing?
Before investing in City Bank (CTBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on historical data and may not be current.
- The company was acquired in 2010 and no longer operates independently.
- OTC data may be limited or unreliable.