CBOA Financial, Inc. (CBOF)
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.
CBOA Financial, Inc. (CBOF) trades at $2.27 with AI Score 49/100 (Grade C). CBOA Financial, Inc. , through its subsidiary Commerce Bank of Arizona, provides banking products and services to individuals and businesses in Arizona. Market cap: $23.19M, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for CBOF: CBOF 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 CBOF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CBOF: the 1 perspectives are evenly split.
How is this calculated? →CBOA Financial, Inc. (CBOF) Financial Services Profile
CBOA Financial, Inc., operating as Commerce Bank of Arizona, delivers personalized banking solutions to individuals and businesses within Arizona, emphasizing community focus and relationship banking, while navigating the competitive regional banking landscape and OTC market dynamics.
What Is the Investment Thesis for CBOF?
CBOA Financial, Inc. presents a focused investment opportunity within the Arizona regional banking sector. With a market capitalization of $23.19M and a P/E ratio of 6.3, the company demonstrates potential value. A profit margin of 20.9% and a gross margin of 100.0% indicate efficient operations. Key value drivers include the bank's emphasis on relationship banking and community involvement, potentially fostering customer loyalty and organic growth. Upcoming catalysts include expansion of digital banking services to enhance customer convenience and attract a broader customer base. Potential risks include the limited geographic footprint, which concentrates exposure to the Arizona economy, and the challenges of operating on the OTC market, which may affect liquidity and investor access.
Based on FMP financials and quantitative analysis
CBOF Key Highlights
- Market capitalization of $23.19M, reflecting its size within the regional banking sector.
- P/E ratio of 6.3, indicating a potentially undervalued stock compared to industry peers.
- Profit margin of 20.9%, showcasing efficient profitability in its operations.
- Gross margin of 100.0%, suggesting effective management of revenue and costs.
- Beta of 0.18, indicating lower volatility compared to the overall market.
Who Are CBOF's Competitors?
CBOF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRBW Brunswick Bancorp | $16.00 | +0.00% | $23.62M | 49 |
| CBBB Continental Beverage Brands Corporation | $0.20 | +1.00% | $22.15M | 44 |
| CFIC Cornerstone Financial Corporation | $8.32 | +21.82% | $18.24M | 49 |
| CNBA Chester Bancorp, Inc. | $5.80 | +0.00% | $25.91M | 45 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.35M | 45 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBOF's Key Strengths?
- Strong local presence in Arizona.
- Emphasis on relationship banking.
- High gross margin of 100.0%.
- Low beta of 0.18, indicating lower volatility.
What Are CBOF's Weaknesses?
- Limited geographic footprint, concentrated in Arizona.
- Small market capitalization of $23.19M.
- Operates on the OTC market, potentially affecting liquidity.
- Dependence on the Arizona economy.
What Could Drive CBOF Stock Higher?
- Expansion of digital banking services to enhance customer convenience and attract a broader customer base.
- Focus on relationship banking and community involvement to foster customer loyalty and organic growth.
- Strategic partnerships with local businesses to drive customer acquisition and revenue growth.
What Are the Key Risks for CBOF?
- Financial-distress signal — its Altman Z-Score of 0.12 sits in the distress zone (elevated bankruptcy risk).
- Limited geographic footprint, which concentrates exposure to the Arizona economy.
- Challenges of operating on the OTC market, which may affect liquidity and investor access.
- Competition from larger national and regional banks.
- Economic downturn in Arizona impacting loan performance and profitability.
What Are the Growth Opportunities for CBOF?
- Expansion of Digital Banking Services: CBOA Financial can enhance its digital banking platform to attract and retain customers. This includes improving mobile banking apps, online account management, and digital payment solutions. The market for digital banking is growing rapidly, with projections estimating significant increases in user adoption and transaction volume over the next five years. By investing in technology, CBOA Financial can expand its reach beyond its physical branch network and cater to a wider customer base.
- Strategic Partnerships with Local Businesses: Forming strategic alliances with local businesses can drive customer acquisition and revenue growth. This could involve offering co-branded financial products, providing financing solutions to local businesses, or participating in community events. The market for small business lending in Arizona is substantial, with significant unmet demand for capital. By partnering with local businesses, CBOA Financial can tap into this market and strengthen its ties to the community.
- Targeted Marketing Campaigns: Implementing targeted marketing campaigns can increase brand awareness and attract new customers. This includes leveraging digital marketing channels, social media, and community events to reach specific customer segments. The market for financial services advertising is competitive, but targeted campaigns can improve ROI and drive customer acquisition. By focusing on specific customer needs and preferences, CBOA Financial can differentiate itself from larger competitors.
- Expansion into New Geographic Markets within Arizona: CBOA Financial can explore opportunities to expand its branch network or establish a presence in new geographic markets within Arizona. This could involve opening new branches in underserved areas or acquiring existing community banks. The market for banking services in Arizona is diverse, with varying levels of competition and customer demand across different regions. By carefully selecting new markets, CBOA Financial can expand its customer base and increase its market share.
- Development of Specialized Financial Products: Creating specialized financial products tailored to specific customer needs can drive revenue growth and improve customer loyalty. This could include developing niche lending programs for specific industries, offering wealth management services for high-net-worth individuals, or creating specialized accounts for non-profit organizations. The market for specialized financial products is growing, with increasing demand for customized solutions. By developing innovative products, CBOA Financial can differentiate itself from competitors and attract new customers.
What Opportunities Does CBOF Have?
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Targeted marketing campaigns to attract new customers.
- Expansion into new geographic markets within Arizona.
What Threats Does CBOF Face?
- Competition from larger national and regional banks.
- Economic downturn in Arizona.
- Increasing regulatory scrutiny.
- Technological disruptions in the banking industry.
What Are CBOF's Competitive Advantages?
- Strong local presence and brand recognition in Arizona.
- Emphasis on relationship banking, fostering customer loyalty.
- Community involvement, enhancing brand reputation and customer trust.
- Specialized knowledge of the Arizona market.
What Does CBOF Do?
CBOA Financial, Inc., founded in 2002 and based in Tucson, Arizona, functions as the holding company for Commerce Bank of Arizona. The bank provides a range of personal and business banking products and services tailored to the Arizona market. These offerings include checking and savings accounts designed for both individual and business clients. CBOA Financial also provides various loan products, including Small Business Administration (SBA) loans, business term loans, equipment financing, commercial real estate loans, and home mortgage loans. Additionally, the bank offers lines of credit to meet diverse financial needs. Beyond traditional banking services, CBOA Financial provides electronic and telephone banking, remote deposit capture, ACH (Automated Clearing House) services, wire transfers, and merchant card services. They also offer specialized services such as zero balance accounts and debit cards. Commerce Bank of Arizona differentiates itself through a focus on relationship banking, aiming to build long-term connections with its customers and actively participate in the local community. This approach positions CBOA Financial as a community-oriented bank within the Arizona banking sector, competing with larger regional and national banks while emphasizing personalized service.
What Products and Services Does CBOF Offer?
- Provides checking and savings accounts for individuals and businesses.
- Offers Small Business Administration (SBA) loans to support local businesses.
- Provides business term loans for various business needs.
- Offers equipment financing to help businesses acquire necessary assets.
- Provides commercial real estate loans for property acquisition and development.
- Offers home mortgage loans for residential property purchases.
- Provides lines of credit for flexible borrowing needs.
- Offers electronic and telephone banking services for convenient access.
How Does CBOF Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as account maintenance and transaction processing.
- Manages deposits and provides banking services to individuals and businesses in Arizona.
- Focuses on relationship banking to build long-term customer loyalty.
What Industry Does CBOF Operate In?
CBOA Financial, Inc. operates within the competitive regional banking sector in Arizona. The industry is characterized by increasing consolidation, technological advancements, and evolving customer expectations. Regional banks face competition from larger national banks, credit unions, and fintech companies. Key trends include the growth of digital banking, increasing regulatory scrutiny, and the need for personalized customer service. CBOA Financial's focus on relationship banking and community involvement positions it to cater to customers seeking personalized service and local expertise. The company must adapt to changing technology and regulatory landscapes to maintain its competitive edge.
Who Are CBOF's Key Customers?
- Individuals seeking personal banking services, such as checking and savings accounts.
- Small businesses requiring financing and banking solutions.
- Commercial real estate developers seeking loans for property projects.
- Homebuyers seeking mortgage loans for residential properties.
Company Profile
CBOA Financial, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tucson, US. The company is led by CEO J. Chris Webster. CBOF has traded publicly since 2007.
How CBOA Financial, Inc. Is Valued
CBOA Financial, Inc. carries a market capitalization of $23.19M, placing it in the micro-cap category. Relative to its peer group, CBOF's quantitative score of 49/100 is roughly in line with the peer average of 46/100.
ROE 12%Key Financial Metrics
Return on equity for CBOA Financial, Inc. stands at 11.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. CBOF trades at a trailing price-to-earnings ratio of 6.32, below the Financial Services sector average of ~18x. Its free cash flow yield is 22.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.10 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 15.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
CBOA Financial, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.12 places it in the distress zone, a signal of elevated financial risk.
CBOF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future prospects, indicating that management believes in the potential for growth.
- Community sentiment has shifted positively, with discussions highlighting strong customer loyalty and service quality in recent weeks.
- Analysts have noted improvements in operational efficiency, which could lead to enhanced profitability moving forward.
- The overall financial sector has shown resilience, and CBOA Financial's positioning within this context could attract more investors.
Bear Case
- Concerns have been raised about potential regulatory changes affecting the financial sector, which could create uncertainty for CBOA's operations.
- Social sentiment has also seen some bearish discussions regarding market competition, with peers gaining traction and market share.
- Recent earnings reports indicate challenges in maintaining revenue growth, leading to skepticism about future performance.
- Some investors are worried about macroeconomic factors, such as inflation and interest rate fluctuations, which may impact consumer spending and borrowing.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CBOF Latest News
No recent news available for CBOF.
CBOF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBOF.
Price Targets
Wall Street price target analysis for CBOF.
CBOF MoonshotScore
What does this score mean?
The MoonshotScore rates CBOF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: J. Chris Webster
CEO
J. Chris Webster serves as the CEO of CBOA Financial, Inc., leading a team of 50 employees. His background includes extensive experience in the banking and financial services industry. He has held various leadership positions in community banks, focusing on strategic planning, risk management, and customer relationship management. Mr. Webster's expertise lies in driving growth and profitability while maintaining a strong focus on community involvement.
Track Record: Under J. Chris Webster's leadership, CBOA Financial, Inc. has maintained a strong focus on serving the Arizona market. Key achievements include navigating the challenges of the regional banking sector and maintaining a profit margin of 20.9%. His strategic decisions have focused on strengthening customer relationships and expanding the bank's presence within the community.
CBOF OTC Market Information
The OTC Other tier, also known as the Pink Market, represents the lowest tier of the OTC market. Companies in this tier often have limited or no financial disclosure, and there are minimal listing requirements. This contrasts with exchanges like the NYSE or NASDAQ, which have stringent listing standards, including minimum financial requirements, corporate governance standards, and regular reporting obligations. Investing in companies on the OTC Other tier carries significantly higher risks due to the lack of transparency and regulation.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure, making it difficult to assess the company's financial health.
- Low liquidity, potentially leading to difficulty in buying or selling shares.
- Higher potential for fraud and manipulation due to lack of regulatory oversight.
- Limited access to information and research compared to exchange-listed companies.
- Greater price volatility due to thin trading volume.
- Verify the company's registration and legal standing.
- Scrutinize available financial statements, if any, for red flags.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the company's capital structure and potential dilution risks.
- Check for any legal or regulatory issues involving the company or its management.
- Consult with a qualified financial advisor before investing.
- The company has been in operation since 2002.
- CBOA Financial, Inc. operates as a holding company for a state-chartered bank, Commerce Bank of Arizona, Inc.
- The company has a physical headquarters in Tucson, Arizona.
- The company has 50 employees.
- The company's CEO is known.
CBOF Financial Services Stock FAQ
What does CBOA Financial, Inc. do?
CBOA Financial, Inc. operates as the holding company for Commerce Bank of Arizona, providing a range of banking products and services to individuals and businesses in Arizona. These include checking and savings accounts, various loan products (SBA, business term, equipment, commercial real estate, and home mortgage), and lines of credit. The company also offers electronic and telephone banking, remote deposit capture, and other services, focusing on relationship banking and community involvement within the Arizona market.
What are the main risks for CBOF?
The main risks for CBOA Financial, Inc. include its limited geographic footprint, which concentrates exposure to the Arizona economy. Operating on the OTC market presents challenges related to liquidity and investor access. Competition from larger national and regional banks poses a threat to market share. An economic downturn in Arizona could negatively impact loan performance and profitability. Additionally, regulatory changes and technological disruptions in the banking industry could present challenges for CBOA Financial.
What are the key factors to evaluate for CBOF?
CBOA Financial, Inc. (CBOF) holds an AI score of 49/100 (low). P/E: 6.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CBOF data refresh on this page?
CBOF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CBOF's recent stock price performance?
CBOA Financial, Inc. (CBOF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Arizona. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CBOF overvalued or undervalued right now?
CBOA Financial, Inc. (CBOF) trades at 6.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CBOF?
Before investing in CBOA Financial, Inc. (CBOF), 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) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CBOF to a portfolio?
Key strength of CBOA Financial, Inc. (CBOF): Strong local presence in Arizona. Weigh rewards against risks and diversify. Not financial advice.
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.
- OTC data may be less reliable than exchange-listed data.
- AI analysis pending for CBOF, limiting the depth of analysis.