City Bank (CTBK) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerCity Bank (CTBK) trades at $0.0001. 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 banking sector. Sector: Financial services.
Price as of Sep 11, 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 a neutral fundamental signal based on the underlying data.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
CTBK: 1/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
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 | MoonshotScore |
|---|---|---|---|---|
| SBFG SB Financial Group, Inc. | $29.44 | +1.41% | $185M | 905-pillar |
| HWBK Hawthorn Bancshares, Inc. | $39.86 | +0.83% | $275M | 905-pillar |
| ATLO Ames National Corporation | $32.34 | +1.63% | $286M | 915-pillar |
| BPRN Princeton Bancorp, Inc. | $43.64 | +0.11% | $297M | 905-pillar |
| CFFI C&F Financial Corporation | $94.46 | +0.90% | $307M | 915-pillar |
| NECB Northeast Community Bancorp, Inc. | $26.95 | +0.60% | $372M | 915-pillar |
| NWFL Norwood Financial Corp. | $34.50 | +0.23% | $376M | 925-pillar |
| FNLC The First Bancorp, Inc. | $34.71 | -0.94% | $391M | 915-pillar |
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?
CTBK catalyst: 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).
- Inconsistent delivery — missed Wall Street EPS estimates in 7 of the last 8 reported quarters.
- 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.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 42 |
| 2026-08-26 | 42 |
| 2026-08-29 | 42 |
| 2026-09-01 | 42 |
| 2026-09-04 | 42 |
| 2026-09-07 | 42 |
| 2026-09-10 | 42 |
What changed?
The score has stayed at 42.
Over the same 18 days the stock moved +0.0%.
Company Profile
City Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Lynnwood, US. The company is led by CEO Charles R. Hageboeck. CTBK has traded publicly since 1998.
Financial 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.
Earnings Track Record
City Bank has missed Wall Street's EPS estimate in 7 of its last 8 reported quarters — a recurring pattern of falling short of estimates. Reported results have landed about 1687.2% below estimates on average.
CTBK Financials
Bull Case vs Bear Case
Bull Case
- Established presence in the Lynnwood community.
- Experienced banking professionals.
- Focus on customer service.
- Understanding of local market dynamics.
Bear Case
- Limited geographic reach.
- Smaller asset base compared to larger banks.
- Dependence on local economy.
- Lack of advanced technology infrastructure.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
CTBK Latest News
No recent news available for CTBK.
CTBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CTBK.
Price Targets
Wall Street price target analysis for CTBK.
CTBK MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for CTBK; grades run from A+ (80-100) to F (below 30).
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)
Is CTBK a good stock?
Stock Expert AI does not rate CTBK buy, sell or hold. City Bank has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
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.
What are the key factors to evaluate for CTBK?
Evaluate CTBK on fundamentals, analyst consensus, and risk factors. Therefore, there is no investment thesis applicable to CTBK as a standalone stock. Not financial advice.
How frequently does CTBK data refresh on this page?
CTBK's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an 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.
Can I buy fractional shares of CTBK?
Yes, most major brokerages offer fractional shares of City Bank (CTBK) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CTBK's earnings and financial reports?
City Bank (CTBK) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for CTBK earnings announcements.
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.