CBAF (Citba Financial) Cyclically Adjusted Book per Share: $0.00 (As of Jun. 2026)

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CBAF Citba Financial Corp CBAF
72 GF Score
Price $38.25
GF Value $31.94
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Citba Financial Cyclically Adjusted Book per Share?

Citba Financial CBAF +0.66% 72 Cyclically Adjusted Book per Share is $0.00 as of Jun. 2026. GuruFocus rates CBAF with a GF Score™ of 72/100 and a GF Value™ of $31.94 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Citba Financial's adjusted book value per share for the three months ended in Jun. 2026 was $43.142. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $0.00 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Citba Financial's average Cyclically Adjusted Book Growth Rate was 6.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 5.00% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Citba Financial was 5.40% per year. The lowest was 5.00% per year. And the median was 5.20% per year.

As of today (2026-07-20), Citba Financial's current stock price is $38.25. Citba Financial's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $0.00. Citba Financial's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Citba Financial was 1.13. The lowest was 0.58. And the median was 0.84.


Citba Financial  (OTCPK:CBAF) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Citba Financial was 1.13. The lowest was 0.58. And the median was 0.84.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Citba Financial Cyclically Adjusted Book per Share Related Terms


Citba Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Citba Financial's Cyclically Adjusted Book per Share 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.

Citba Financial Cyclically Adjusted Book per Share Chart

Citba Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.61 30.52 32.26 33.49 35.36

Citba Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 34.65 35.14 35.36 36.30 0.00

CBAF vs LFGP, CEFC, FMFG: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Citba Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citba Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Citba Financial's Cyclically Adjusted PB Ratio falls into.


CBAF
72GF Score
Citba Financial Corp CBAF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citba Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Citba Financial's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=43.142/333.9520*333.9520
=43.142

Current CPI (Jun. 2026) = 333.9520.

Citba Financial Quarterly Data

Book Value per Share CPI Adj_Book
201609 23.501 241.428 32.507
201612 23.030 241.432 31.855
201703 23.431 243.801 32.095
201706 23.997 244.955 32.716
201709 24.242 246.819 32.800
201712 24.309 246.524 32.930
201803 24.261 249.554 32.466
201806 24.641 251.989 32.656
201809 24.806 252.439 32.816
201812 25.868 251.233 34.385
201903 27.121 254.202 35.630
201906 28.186 256.143 36.748
201909 29.369 256.759 38.199
201912 29.867 256.974 38.814
202003 31.609 258.115 40.896
202006 32.599 257.797 42.229
202009 33.254 260.280 42.667
202012 33.791 260.474 43.323
202103 33.461 264.877 42.187
202106 34.328 271.696 42.194
202109 34.504 274.310 42.006
202112 34.565 278.802 41.402
202203 31.202 287.504 36.243
202206 29.258 296.311 32.975
202209 26.938 296.808 30.309
202212 29.897 296.797 33.640
202303 31.995 301.836 35.399
202306 31.938 305.109 34.957
202309 28.644 307.789 31.079
202312 34.240 306.746 37.277
202403 33.731 312.332 36.066
202406 33.499 314.175 35.608
202409 36.403 315.301 38.556
202412 35.213 315.605 37.260
202503 36.343 319.799 37.951
202506 37.562 322.561 38.888
202509 39.763 324.800 40.883
202512 42.116 324.054 43.402
202603 41.774 330.213 42.247
202606 43.142 333.952 43.142

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $0.00 mean?
Citba Financial (CBAF) has a Cyclically Adjusted Book per Share of $0.00 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Citba Financial and its competitors.
Is Citba Financial's Cyclically Adjusted Book per Share too high?
Citba Financial's current Cyclically Adjusted Book per Share is $0.00. Overall, Citba Financial has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's Cyclically Adjusted Book per Share compare to LFGP and CEFC?
Citba Financial's Cyclically Adjusted Book per Share of $0.00 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Citba Financial and its competitors. Citba Financial's current Cyclically Adjusted Book per Share is $0.00. 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 Modestly Overvalued. The stock's GF Value™ is $31.94, compared to a current price of $38.25 — trading 19.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $0.00. Citba Financial's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Citba Financial (CBAF), the current Cyclically Adjusted Book per Share is $0.00 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 $38.25 is trading 19.8% above its estimated GF Value™ of $31.94. GuruFocus considers Citba Financial to be Modestly Overvalued.

Key valuation signals for CBAF:

  • Cyclically Adjusted Book per Share: $0.00
  • GF Value™: $31.94 vs. price of $38.25 (19.8% above fair value)
  • GF Score™: 72/100 with 4 warning signs

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 Business Description

Address 33 North Indiana Street, P.O. Box 789, Mooresville, IN, USA, 46158-0007
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.
72GF Score

Get the complete analysis for CBAF

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.25
Price
$31.94
GF Value