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Citba FinancialCBAF 67 3-Year Book Growth Rate is 12.10% as of Jun. 2026, which is 112% above its 10-year median of 5.70. GuruFocus rates CBAF with a GF Score™ of 67/100 and a GF Value™ of $33.06 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,491 Banks companies, Citba Financial ranks better than 68.68% on this metric.
During the past 12 months, Citba Financial's average Book Value per Share Growth Rate was 15.50% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Citba Financial was 12.10% per year. The lowest was 0.00% per year. And the median was 5.70% per year.
Citba Financial (OTCPK:CBAF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Citba Financial 3-Year Book Growth Rate Related Terms
CBAF vs MNMB, DWNX, CBWA: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Citba Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citba Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Citba Financial's 3-Year Book Growth Rate falls into.
Citba Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.10% mean?
Citba Financial (CBAF) has a 3-Year Book Growth Rate of 12.10% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Citba Financial and its competitors. This is 112% above median its historical median of 5.70. According to the industry distribution chart, Citba Financial ranks #467 out of 1491 companies in the Banks industry, placing it in the top 31.3%.
Is Citba Financial's 3-Year Book Growth Rate too high?
Citba Financial's current 3-Year Book Growth Rate of 12.10% is 112% above median its 10-year median of 5.70. The Banks industry median 3-Year Book Growth Rate is 8.80. Citba Financial's value of 12.10% is 37.5% above this industry median. Based on the distribution chart, Citba Financial ranks #467 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, Citba Financial has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's 3-Year Book Growth Rate compare to MNMB and DWNX?
According to the Banks industry distribution chart, Citba Financial ranks #467 out of 1491 companies for 3-Year Book Growth Rate. This puts Citba Financial in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Citba Financial's value of 12.10% is 37.5% above this benchmark. While the company's 10-year median is 5.70 vs. the industry median of 8.80, Citba Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current 3-Year Book Growth Rate of 12.10% is 37.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Citba Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current 3-Year Book Growth Rate is 12.10%, which is 112% above median its own 10-year median of 5.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citba Financial stock overvalued right now?
Based on GuruFocus' analysis, Citba Financial (CBAF) is currently considered Significantly Overvalued. The stock's GF Value™ is $33.06, compared to a current price of $48.00 — trading 45.2% above its estimated fair value. The current 3-Year Book Growth Rate is 12.10%, which is 112% above median its 10-year median of 5.70 and 37.5% above the Banks industry median of 8.80. Citba Financial's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Citba Financial (CBAF), the current 3-Year Book Growth Rate is 12.10% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citba Financial (CBAF) Overvalued in 2026?
Based on GuruFocus' analysis, Citba Financial stock appears to be overvalued.
The current stock price of $48.00 is trading 45.2% above its estimated GF Value™ of $33.06.
GuruFocus considers Citba Financial to be Significantly Overvalued.
Key valuation signals for CBAF:
3-Year Book Growth Rate: 12.10% (112% above median its 10-year median of 5.70)
GF Value™: $33.06 vs. price of $48.00 (45.2% above fair value)
Industry Position: 37.5% above the Banks median (#467 of 1491)
No single metric tells the full story. See the CBAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citba Financial Corp is a bank holding company engaged in the ownership and management of the Bank, which operates under a state bank charter and provides full banking services. The Bank generates commercial, mortgage, and consumer loans and receives deposits mainly from customers in Morgan County, Indiana, and surrounding counties, with loans generally secured by real property, consumer, and business assets. The Company earns revenue from interest and dividends on loans, investment securities, and other financial instruments, deposit-related fees such as account maintenance, overdrafts, ATM and wire transfers, and interchange fees from debit and credit card transactions recognized daily.
67GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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