About CITBA Financial Corporation (CBAF) — Dividend Analysis 2026
CITBA Financial Corporation serves as the parent entity for Citizens Bank, a financial institution providing a comprehensive array of banking services throughout the United States. Established in Mooresville, Indiana, in 1931, the company offers diverse account options for both individuals and businesses. Personal banking solutions include checking, various savings accounts (such as regular, money market, premium rate, and junior savers), individual retirement accounts, health savings accounts, and certificates of deposit. Businesses can access regular savings, individual retirement, and health savings accounts. The corporation also provides a wide range of lending products, including personal and business mortgages, auto loans, home equity loans, and financing for RVs and boats. Commercial clients can benefit from commercial loans, commercial mortgage loans, and business lines of credit. Additional offerings encompass credit cards, gift cards, and a suite of digital services like treasury management, remote deposit capture, online banking, bill pay, mobile banking, and eStatements.
Is CBAF a good dividend investment in 2026?
CBAF offers a 2.06% forward yield with a 23% payout ratio. Strand Safety Score: 67/100 (Safe). The 5-year dividend CAGR of 8.9% demonstrates strong, consistent growth that outpaces inflation.
CBAF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your CBAF portfolio grows to $41.8K vs $38.9K without reinvestment. This is the compound interest effect in action.
CBAF dividend growth history & forecast
CBAF has grown its dividend by 14.3% over the last year and 8.9% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 2.06%.
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend appears safe — fundamentals solid with moderate concerns.
STRAND SCORE
67
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 CBAF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CBAF.
Gross yield
2.06%
Tax rate
15.00%
After-tax yield
1.75%
Real yield (−CPI)
-1.05%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
2.06%
-0.74%
$206 / yr
🇺🇸 US Taxable (15%) ✓
15%
1.75%
-1.05%
$175 / yr
🇺🇸 US Taxable (20%)
20%
1.65%
-1.15%
$165 / yr
🇬🇧 UK ISA
0%
2.06%
-0.74%
$206 / yr
🇬🇧 UK Taxable
8.75%
1.88%
-0.92%
$188 / yr
🇨🇦 TFSA
0%
2.06%
-0.74%
$206 / yr
🇨🇦 CA Taxable
25%
1.54%
-1.25%
$154 / yr
🇦🇺 Super (pension)
15%
1.75%
-1.05%
$175 / yr
🇦🇺 AU Taxable
30%
1.44%
-1.36%
$144 / yr
🇩🇪 DE Taxable
26.375%
1.52%
-1.28%
$152 / yr
🇫🇷 FR Taxable
30%
1.44%
-1.36%
$144 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CBAF Income Goal & Break-Even
Dividend Break-Even
22yr
Years for dividends to fully repay your CBAF investment of $46.50/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$3.1K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$671.41
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in CBAF for:
Shares needed
29,412
Capital required
$1,367,658
Monthly income
$2,000
Based on current dividend of $0.96/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CBAF Dividend Payment Schedule
CBAF pays quarterly — 4 times per year. Ex-div: 2026-10-14.
Jan
💰
Feb
Mar
Apr
💰
May
Jun
Jul
💰
Aug
Sep
Oct
💰
Nov
Dec
10 shares
$2.04 / payment
$8.16 / year after tax
100 shares
$20.40 / payment
$81.60 / year after tax
1,000 shares
$204.00 / payment
$816.00 / year after tax
📊 CBAF vs Financial Services Benchmarks
How CBAF compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-0.84% vs sectorBelow avg
CBAF
2.06%
avg
2.90%
5Y Dividend CAGR▲+1.80% vs sectorBetter
CBAF
8.90%
avg
7.10%
Payout Ratio▲-15.00% vs sectorBetter
CBAF
23.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBAF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CBAF Insider Activity
No recent SEC filings reported in the last 90 days.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CBAF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
1-year price trend
📊CBAF Live Context
CITBA Financial Corporation (CBAF) is currently trading at $46.50, trading near its 52-week high. The current dividend yield is 2.06% based on an annual payout of $0.96 per share.
CITBA Financial Corporation (CBAF) is a financial services stock currently trading at $46.50 with a dividend yield of 2.06%. The company pays an annual dividend of $0.96 per share. The payout ratio of 23% suggests the dividend is well-covered by earnings. Over the past 5 years, CBAF has grown its dividend at a compound annual rate of 8.9%.
⚠️ Key Risks
Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
📚 For educational purposes only. Not financial advice. Data sourced from Financial Modeling Prep (FMP) and SEC EDGAR. Results are estimates — actual returns will vary. Full disclaimer →
How investors use the CBAF dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.
News aggregated from public sources via Finnhub & RSS. For informational purposes only.
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