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Citba FinancialCBAF 63 Cash-to-Debt is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates CBAF with a GF Score™ of 63/100 and a GF Value™ of $33.07 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,486 Banks companies, Citba Financial ranks better than 99.73% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Citba Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Citba Financialcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Citba Financial's Cash-to-Debt or its related term are showing as below:
CBAF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.33 Med: No Debt Max: No Debt
Current: No Debt
During the past 13 years, Citba Financial's highest Cash to Debt Ratio was No Debt. The lowest was 0.33. And the median was No Debt.
CBAF's Cash-to-Debt is ranked better than 99.73% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs CBAF: No Debt
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Citba Financial Cash-to-Debt Related Terms
Citba Financial Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Citba Financial's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Citba Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Citba Financial's Cash-to-Debt falls into.
Citba Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
Citba Financial had no debt (1).
Citba Financial's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:
Citba Financial had no debt (1).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Citba Financial (CBAF) has a Cash-to-Debt of No Debt (1) as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Citba Financial's Cash-to-Debt has ranged from 0.33 to 10,000.00. According to the industry distribution chart, Citba Financial ranks #4 out of 1486 companies in the Banks industry, placing it in the top 0.3%.
Is Citba Financial's Cash-to-Debt too high?
Citba Financial's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 10,000.00. Based on the distribution chart, Citba Financial ranks #4 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Citba Financial has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's Cash-to-Debt compare to MNMB and DWNX?
According to the Banks industry distribution chart, Citba Financial ranks #4 out of 1486 companies for Cash-to-Debt. This places Citba Financial in the top 0% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Historically, Citba Financial's own Cash-to-Debt has ranged from 0.33 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. 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 $33.07, compared to a current price of $48.00 — trading 45.1% above its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Citba Financial's overall GF Score™ is 63/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Citba Financial (CBAF), the current Cash-to-Debt is No Debt (1) 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 45.1% above its estimated GF Value™ of $33.07.
GuruFocus considers Citba Financial to be Significantly Overvalued.
Key valuation signals for CBAF:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $33.07 vs. price of $48.00 (45.1% above fair value)
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.
63GF Score
Get the complete analysis for CBAF
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