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City Bank
Buy, Hold or Sell?

Let's analyse City Bank together

PenkeI guess you are interested in City Bank. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of City Bank. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of City Bank (30 sec.)










What can you expect buying and holding a share of City Bank? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
70.0%

What is your share worth?

Current worth
$8.95
Expected worth in 1 year
$8.95
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
$0.00
Return On Investment
0.0%

For what price can you sell your share?

Current Price per Share
$0.00
Expected price per share
$0.0001 - $0.0001
How sure are you?
50%

1. Valuation of City Bank (5 min.)




Live pricePrice per Share (EOD)

$0.00

2. Growth of City Bank (5 min.)




Is City Bank growing?

Current yearPrevious yearGrowGrow %
How rich?$141.1m$141.1m0.000.0%

How much money is City Bank making?

Current yearPrevious yearGrowGrow %
Making money-$119.5m-$60.8m-$58.6m-49.1%
Net Profit Margin120.8%103.0%--

How much money comes from the company's main activities?

3. Financial Health of City Bank (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of City Bank? (5 min.)

Welcome investor! City Bank's management wants to use your money to grow the business. In return you get a share of City Bank.

What can you expect buying and holding a share of City Bank?

First you should know what it really means to hold a share of City Bank. And how you can make/lose money.

Speculation

The Price per Share of City Bank is $0.0001. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of City Bank.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in City Bank, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $8.95. Based on the TTM, the Book Value Change Per Share is $0.00 per quarter. Based on the YOY, the Book Value Change Per Share is $-4.35 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of City Bank.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps-7.58-7,580,659.5%-7.58-7,580,659.5%-3.86-3,859,665.8%-1.00-997,564.0%0.11108,349.5%
Usd Book Value Change Per Share0.000.0%0.000.0%-4.35-4,347,111.7%-0.19-190,030.3%0.90895,450.3%
Usd Dividend Per Share0.000.0%0.000.0%1.601,598,218.7%1.241,239,625.0%0.85846,090.4%
Usd Total Gains Per Share0.000.0%0.000.0%-2.75-2,748,893.0%1.051,049,594.6%1.741,741,540.7%
Usd Price Per Share1.74-1.74-5.20-20.15-23.98-
Price to Earnings Ratio-0.23--0.23--1.35-9.27-16.08-
Price-to-Total Gains Ratio-1.89-9.12-14.69-
Price to Book Ratio0.19-0.19-0.58-1.72-2.42-
Price-to-Total Gains Ratio-1.89-9.12-14.69-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.0001
Number of shares10000000
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.001.24
Usd Book Value Change Per Share0.00-0.19
Usd Total Gains Per Share0.001.05
Gains per Quarter (10000000 shares)0.0010,495,946.41
Gains per Year (10000000 shares)0.0041,983,785.64
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
100-1049584999-760121341983776
200-1099169997-1520242683967562
300-10148754996-22803639125951348
400-10198339994-30404852167935134
500-10247924993-38006065209918920
600-10297509991-45607277251902706
700-10347094990-53208490293886492
800-10396679988-60809703335870278
900-10446264987-68410916377854064
1000-10495849985-76012129419837850

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%8.02.00.080.0%8.02.00.080.0%
Book Value Change Per Share0.00.01.00.0%1.01.01.033.3%3.01.01.060.0%8.01.01.080.0%8.01.01.080.0%
Dividend per Share0.00.01.00.0%2.00.01.066.7%4.00.01.080.0%7.00.03.070.0%7.00.03.070.0%
Total Gains per Share0.00.01.00.0%1.01.01.033.3%3.01.01.060.0%8.01.01.080.0%8.01.01.080.0%

Fundamentals of City Bank

About City Bank

As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.

Fundamental data was last updated by Penke on 2024-05-15 22:46:02.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is expensive.

1.1. Profitability of City Bank.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit City Bank earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare City Bank to the Banks - Regional industry mean.
  • A Net Profit Margin of 120.8% means that $1.21 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of City Bank:

  • The MRQ is 120.8%. The company is making a huge profit. +2
  • The TTM is 120.8%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ120.8%TTM120.8%0.0%
TTM120.8%YOY103.0%+17.8%
TTM120.8%5Y79.8%+41.1%
5Y79.8%10Y52.6%+27.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ120.8%38.5%+82.3%
TTM120.8%29.6%+91.2%
YOY103.0%26.3%+76.7%
5Y79.8%23.6%+56.2%
10Y52.6%20.4%+32.2%
1.1.2. Return on Assets

Shows how efficient City Bank is using its assets to generate profit.

  • Above 5% is considered healthy but always compare City Bank to the Banks - Regional industry mean.
  • -9.0% Return on Assets means that City Bank generated $-0.09 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of City Bank:

  • The MRQ is -9.0%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -9.0%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-9.0%TTM-9.0%0.0%
TTM-9.0%YOY-4.6%-4.4%
TTM-9.0%5Y-0.1%-8.9%
5Y-0.1%10Y1.5%-1.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ-9.0%0.3%-9.3%
TTM-9.0%0.2%-9.2%
YOY-4.6%0.2%-4.8%
5Y-0.1%0.2%-0.3%
10Y1.5%0.2%+1.3%
1.1.3. Return on Equity

Shows how efficient City Bank is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare City Bank to the Banks - Regional industry mean.
  • -159.9% Return on Equity means City Bank generated $-1.60 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of City Bank:

  • The MRQ is -159.9%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -159.9%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-159.9%TTM-159.9%0.0%
TTM-159.9%YOY-43.1%-116.8%
TTM-159.9%5Y-26.9%-132.9%
5Y-26.9%10Y-6.5%-20.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ-159.9%3.1%-163.0%
TTM-159.9%2.5%-162.4%
YOY-43.1%2.7%-45.8%
5Y-26.9%2.5%-29.4%
10Y-6.5%2.8%-9.3%

1.2. Operating Efficiency of City Bank.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient City Bank is operating .

  • Measures how much profit City Bank makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare City Bank to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of City Bank:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y12.9%-12.9%
1.2.2. Operating Ratio

Measures how efficient City Bank is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of -0.21 means that the operating costs are $-0.21 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of City Bank:

  • The MRQ is -0.208.
  • The TTM is -0.208.
Trends
Current periodCompared to+/- 
MRQ-0.208TTM-0.2080.000
TTM-0.208YOY-0.278+0.070
TTM-0.2085Y0.039-0.247
5Y0.03910Y0.117-0.078

1.3. Liquidity of City Bank.

1.3. Liquidity
1.3.1. Current Ratio

Measures if City Bank is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of City Bank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.223-0.223
TTM-5Y0.080-0.080
5Y0.08010Y0.040+0.040
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-0.124-0.124
YOY0.2230.167+0.056
5Y0.0800.207-0.127
10Y0.0400.131-0.091
1.3.2. Quick Ratio

Measures if City Bank is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare City Bank to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of City Bank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.024-0.024
TTM-5Y0.016-0.016
5Y0.01610Y0.008+0.008

1.4. Solvency of City Bank.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of City Bank assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare City Bank to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.89 means that City Bank assets are financed with 89.4% credit (debt) and the remaining percentage (100% - 89.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of City Bank:

  • The MRQ is 0.894. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.894. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.894TTM0.8940.000
TTM0.894YOY0.8940.000
TTM0.8945Y0.846+0.048
5Y0.84610Y0.809+0.036
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8940.915-0.021
TTM0.8940.916-0.022
YOY0.8940.918-0.024
5Y0.8460.919-0.073
10Y0.8090.926-0.117
1.4.2. Debt to Equity Ratio

Measures if City Bank is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare City Bank to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,584.4% means that company has $15.84 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of City Bank:

  • The MRQ is 15.844. The company is unable to pay all its debts with equity. -1
  • The TTM is 15.844. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.844TTM15.8440.000
TTM15.844YOY8.391+7.453
TTM15.8445Y7.495+8.349
5Y7.49510Y5.457+2.038
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.84410.799+5.045
TTM15.84410.909+4.935
YOY8.39111.266-2.875
5Y7.49511.324-3.829
10Y5.45712.886-7.429

2. Market Valuation of City Bank

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings City Bank generates.

  • Above 15 is considered overpriced but always compare City Bank to the Banks - Regional industry mean.
  • A PE ratio of -0.23 means the investor is paying $-0.23 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of City Bank:

  • The EOD is 0.000. Based on the earnings, the company is expensive. -2
  • The MRQ is -0.230. Based on the earnings, the company is expensive. -2
  • The TTM is -0.230. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD0.000MRQ-0.230+0.230
MRQ-0.230TTM-0.2300.000
TTM-0.230YOY-1.347+1.118
TTM-0.2305Y9.268-9.498
5Y9.26810Y16.076-6.808
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.0003.675-3.675
MRQ-0.2303.418-3.648
TTM-0.2304.741-4.971
YOY-1.3476.901-8.248
5Y9.2689.496-0.228
10Y16.0769.770+6.306
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of City Bank:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY3.544-3.544
TTM-5Y9.474-9.474
5Y9.47410Y11.404-1.930
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ--2.360+2.360
TTM--1.072+1.072
YOY3.5446.461-2.917
5Y9.4740.248+9.226
10Y11.4040.032+11.372
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of City Bank is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.19 means the investor is paying $0.19 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of City Bank:

  • The EOD is 0.000. Based on the equity, the company is cheap. +2
  • The MRQ is 0.194. Based on the equity, the company is cheap. +2
  • The TTM is 0.194. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.000MRQ0.194-0.194
MRQ0.194TTM0.1940.000
TTM0.194YOY0.581-0.386
TTM0.1945Y1.716-1.522
5Y1.71610Y2.422-0.706
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.0000.452-0.452
MRQ0.1940.420-0.226
TTM0.1940.439-0.245
YOY0.5810.594-0.013
5Y1.7160.763+0.953
10Y2.4220.991+1.431
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of City Bank compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share----0%-4.3470%-0.1900%0.895-100%
Book Value Per Share--8.9558.9550%8.9550%10.916-18%9.874-9%
Current Ratio----0%0.223-100%0.080-100%0.040-100%
Debt To Asset Ratio--0.8940.8940%0.8940%0.846+6%0.809+10%
Debt To Equity Ratio--15.84415.8440%8.391+89%7.495+111%5.457+190%
Dividend Per Share----0%1.598-100%1.240-100%0.846-100%
Eps---7.581-7.5810%-3.860-49%-0.998-87%0.108-7096%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Market Cap1576.380-1739900%27429012.00027429012.0000%81971760.000-67%317577514.800-91%377944986.900-93%
Net Profit Margin--1.2081.2080%1.030+17%0.798+51%0.526+130%
Operating Margin----0%-0%-0%0.129-100%
Operating Ratio---0.208-0.2080%-0.278+34%0.039-637%0.117-278%
Pb Ratio0.000-1739900%0.1940.1940%0.581-67%1.716-89%2.422-92%
Pe Ratio0.000+100%-0.230-0.2300%-1.347+487%9.268-102%16.076-101%
Price Per Share0.000-1739900%1.7401.7400%5.200-67%20.146-91%23.976-93%
Price To Free Cash Flow Ratio----0%3.544-100%9.474-100%11.404-100%
Quick Ratio----0%0.024-100%0.016-100%0.008-100%
Return On Assets---0.090-0.0900%-0.046-49%-0.001-99%0.015-697%
Return On Equity---1.599-1.5990%-0.431-73%-0.269-83%-0.065-96%
Total Gains Per Share----0%-2.7490%1.050-100%1.742-100%
Usd Book Value--141157000.000141157000.0000%141157000.0000%172073800.000-18%155650400.000-9%
Usd Book Value Change Per Share----0%-4.3470%-0.1900%0.895-100%
Usd Book Value Per Share--8.9558.9550%8.9550%10.916-18%9.874-9%
Usd Dividend Per Share----0%1.598-100%1.240-100%0.846-100%
Usd Eps---7.581-7.5810%-3.860-49%-0.998-87%0.108-7096%
Usd Free Cash Flow----0%23129000.000-100%26441000.000-100%20091600.000-100%
Usd Market Cap1576.380-1739900%27429012.00027429012.0000%81971760.000-67%317577514.800-91%377944986.900-93%
Usd Price Per Share0.000-1739900%1.7401.7400%5.200-67%20.146-91%23.976-93%
Usd Profit---119500000.000-119500000.0000%-60843000.000-49%-10074000.000-92%4533700.000-2736%
Usd Revenue---98902000.000-98902000.0000%-59084000.000-40%13712800.000-821%44453100.000-322%
Usd Total Gains Per Share----0%-2.7490%1.050-100%1.742-100%
 EOD+2 -4MRQTTM+0 -0YOY+4 -175Y+6 -2110Y+6 -24

3.2. Fundamental Score

Let's check the fundamental score of City Bank based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-150.000
Price to Book Ratio (EOD)Between0-10.000
Net Profit Margin (MRQ)Greater than01.208
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.894
Debt to Equity Ratio (MRQ)Less than115.844
Return on Equity (MRQ)Greater than0.15-1.599
Return on Assets (MRQ)Greater than0.05-0.090
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of City Bank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 500.000
Ma 50Greater thanMa 1000.000
Ma 100Greater thanMa 2000.000
OpenGreater thanClose0.000
Total0/5 (0.0%)



Latest Balance Sheet

Balance Sheet of 2009-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets0
Total Liabilities0
Total Stockholder Equity74,755
 As reported
Total Liabilities 0
Total Stockholder Equity+ 74,755
Total Assets = 0

Assets

Total Current Assets
Total Current Assets  (as reported)0
Total Current Assets  (calculated)0
+/-0
Long-term Assets
Long-term Assets  (as reported)0
Long-term Assets  (calculated)0
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity74,755
Total Current Liabilities
Short-term Debt 0
Short Long Term Debt 0
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/- 0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Total Stockholder Equity (as reported)74,755
Total Stockholder Equity (calculated)0
+/- 74,755
Other
Net Tangible Assets 74,755



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2009-12-312008-12-312007-12-312006-12-312005-12-312004-12-312003-12-312002-12-312001-12-312000-12-31
> Total Assets 
542,701
590,895
632,657
618,517
667,362
832,039
1,077,689
1,239,033
1,325,541
0
01,325,5411,239,0331,077,689832,039667,362618,517632,657590,895542,701
   > Total Current Assets 
0
0
0
0
0
0
93,915
62,278
248,350
0
0248,35062,27893,915000000
       Cash And Cash Equivalents 
17,994
9,890
12,179
9,631
9,179
12,315
52,556
35,302
109,885
0
0109,88535,30252,55612,3159,1799,63112,1799,89017,994
       Short-term Investments 
5,991
39,741
25,203
48,777
29,188
51,825
30,362
15,749
1,258
0
01,25815,74930,36251,82529,18848,77725,20339,7415,991
       Net Receivables 
0
0
3,085
2,745
2,576
0
0
0
25,997
0
025,9970002,5762,7453,08500
       Other Current Assets 
0
0
0
0
0
0
10,708
10,522
11,252
0
011,25210,52210,708000000
   > Long-term Assets 0000000000
       Property Plant Equipment 
6,888
6,351
6,286
6,632
6,696
5,263
5,243
5,319
5,121
0
05,1215,3195,2435,2636,6966,6326,2866,3516,888
       Goodwill 
0
2,782
2,782
2,782
2,782
0
0
0
0
0
000002,7822,7822,7822,7820
       Long Term Investments 
0
0
560,421
527,350
605,716
0
19,136
19,231
19,227
0
019,22719,23119,1360605,716527,350560,42100
       Intangible Assets 
1,132
2,782
2,782
2,782
2,782
0
344
275
204
0
020427534402,7822,7822,7822,7821,132
> Total Liabilities 
430,642
461,786
486,169
466,173
511,227
655,739
885,618
1,029,349
1,184,384
0
01,184,3841,029,349885,618655,739511,227466,173486,169461,786430,642
   > Total Current Liabilities 
0
0
0
0
0
0
820,590
969,115
1,112,486
0
01,112,486969,115820,590000000
       Short-term Debt 
0
0
577
331
522
0
35,000
80,400
20,000
0
020,00080,40035,000052233157700
       Short Long Term Debt 
0
0
577
331
522
0
35,000
80,400
20,000
0
020,00080,40035,000052233157700
       Accounts payable 
380,980
407,926
412,935
387,063
420,506
510,863
763,486
864,490
1,088,091
0
01,088,091864,490763,486510,863420,506387,063412,935407,926380,980
       Other Current Liabilities 
0
0
412,935
387,063
420,506
0
18,020
19,463
946
0
094619,46318,0200420,506387,063412,93500
   > Long-term Liabilities 0000000000
> Total Stockholder Equity
112,059
129,092
146,237
151,940
155,694
176,300
192,071
209,684
141,157
74,755
74,755141,157209,684192,071176,300155,694151,940146,237129,092112,059
   Common Stock
9,528
9,576
9,660
9,810
9,975
10,345
15,669
15,741
15,764
0
015,76415,74115,66910,3459,9759,8109,6609,5769,528
   Retained Earnings 
75,618
92,358
108,729
112,499
113,560
125,837
138,647
154,967
86,086
0
086,086154,967138,647125,837113,560112,499108,72992,35875,618
   Capital Surplus 0000000000
   Treasury Stock0000000000
   Other Stockholders Equity 
0
0
10
18
-53
0
60
127
132
0
0132127600-53181000



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2009-12-31)

Gross Profit (+$)
totalRevenue-98,902
Cost of Revenue-0
Gross Profit-98,902-98,902
 
Operating Income (+$)
Gross Profit-98,902
Operating Expense-20,572
Operating Income-119,474-119,474
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense20,5720
 
Net Interest Income (+$)
Interest Income0
Interest Expense-0
Other Finance Cost-0
Net Interest Income0
 
Pretax Income (+$)
Operating Income-119,474
Net Interest Income0
Other Non-Operating Income Expenses0
Income Before Tax (EBT)-166,678-72,270
EBIT - interestExpense = 0
-166,678
-119,500
Interest Expense0
Earnings Before Interest and Taxes (EBIT)0-166,678
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax-166,678
Tax Provision-0
Net Income From Continuing Ops-119,500-166,678
Net Income-119,500
Net Income Applicable To Common Shares-119,500
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses20,572
Total Other Income/Expenses Net-47,2040
 

Technical Analysis of City Bank
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of City Bank. The general trend of City Bank is BEARISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine City Bank's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-100.0%) Bearish trend (100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of City Bank.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 0.0001 < 0.0001 < 0.0001.

The bearish price targets are: 0.0001 > 0.0001 > 0.0001.

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City Bank Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of City Bank. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

City Bank Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of City Bank. The current macd is 0.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the City Bank price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for City Bank. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the City Bank price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
City Bank Daily Moving Average Convergence/Divergence (MACD) ChartCity Bank Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of City Bank. The current adx is 100.00.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -2/(-7 +7).

  • PLUS_ID < MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bearish trend. The ADX is declining, the bearish trend is weakening. Could be a potential reversal to the upside. -2
City Bank Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of City Bank. The current sar is 0.00010001.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
City Bank Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of City Bank. The current rsi is 0. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 1/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
City Bank Daily Relative Strength Index (RSI) ChartCity Bank Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of City Bank. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the City Bank price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
City Bank Daily Stochastic Oscillator ChartCity Bank Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of City Bank. The current cci is -66.66666667.

City Bank Daily Commodity Channel Index (CCI) ChartCity Bank Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of City Bank. The current cmo is 0.

City Bank Daily Chande Momentum Oscillator (CMO) ChartCity Bank Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of City Bank. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
City Bank Daily Williams %R ChartCity Bank Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of City Bank.

City Bank Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of City Bank. The current atr is 0.

City Bank Daily Average True Range (ATR) ChartCity Bank Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of City Bank. The current obv is -1,345.

City Bank Daily On-Balance Volume (OBV) ChartCity Bank Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of City Bank. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
City Bank Daily Money Flow Index (MFI) ChartCity Bank Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for City Bank.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal

6.3. Candlestick Patterns

City Bank Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of City Bank based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 500.000
Ma 50Greater thanMa 1000.000
Ma 100Greater thanMa 2000.000
OpenGreater thanClose0.000
Total0/5 (0.0%)
Penke

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