CBAF (Citba Financial) Cyclically Adjusted Revenue per Share: $14.13 (As of Mar. 2026)


CBAF Citba Financial Corp CBAF
68 GF Score
Price $37.51
GF Value $31.82
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Citba Financial Cyclically Adjusted Revenue per Share?

Citba Financial CBAF +0.03% 68 Cyclically Adjusted Revenue per Share is $14.13 as of Mar. 2026. GuruFocus rates CBAF with a GF Score™ of 68/100 and a GF Value™ of $31.82 (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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Citba Financial's adjusted revenue per share for the three months ended in Mar. 2026 was $4.133. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $14.13 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Citba Financial's average Cyclically Adjusted Revenue Growth Rate was 5.60% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 5.20% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Citba Financial was 6.00% per year. The lowest was 5.20% per year. And the median was 5.60% per year.

As of today (2026-07-03), Citba Financial's current stock price is $37.51. Citba Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $14.13. Citba Financial's Cyclically Adjusted PS Ratio of today is 2.65.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Citba Financial was 2.91. The lowest was 1.49. And the median was 2.16.


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

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

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Citba Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=37.51/14.13
=2.65

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Citba Financial was 2.91. The lowest was 1.49. And the median was 2.16.


Be Aware

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


Citba Financial Cyclically Adjusted Revenue per Share Related Terms


Citba Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Citba Financial's Cyclically Adjusted Revenue 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 Revenue per Share Chart

Citba Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.97 11.84 12.51 13.06 13.79

Citba Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue 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 13.38 13.57 13.73 13.79 14.13

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

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

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

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


CBAF
68GF Score
Citba Financial Corp CBAF
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citba Financial Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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 Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=4.133/330.2130*330.2130
=4.133

Current CPI (Mar. 2026) = 330.2130.

Citba Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 2.245 241.018 3.076
201609 2.251 241.428 3.079
201612 2.311 241.432 3.161
201703 2.222 243.801 3.010
201706 2.351 244.955 3.169
201709 2.337 246.819 3.127
201712 2.478 246.524 3.319
201803 2.480 249.554 3.282
201806 2.531 251.989 3.317
201809 2.511 252.439 3.285
201812 2.694 251.233 3.541
201903 2.549 254.202 3.311
201906 2.550 256.143 3.287
201909 2.745 256.759 3.530
201912 2.778 256.974 3.570
202003 2.791 258.115 3.571
202006 2.792 257.797 3.576
202009 3.079 260.280 3.906
202012 2.762 260.474 3.501
202103 3.031 264.877 3.779
202106 2.732 271.696 3.320
202109 2.759 274.310 3.321
202112 2.706 278.802 3.205
202203 2.779 287.504 3.192
202206 2.929 296.311 3.264
202209 3.400 296.808 3.783
202212 3.972 296.797 4.419
202303 3.798 301.836 4.155
202306 3.556 305.109 3.849
202309 3.212 307.789 3.446
202312 3.157 306.746 3.399
202403 3.104 312.332 3.282
202406 3.194 314.175 3.357
202409 3.354 315.301 3.513
202412 3.548 315.605 3.712
202503 4.382 319.799 4.525
202506 3.842 322.561 3.933
202509 3.868 324.800 3.932
202512 4.102 324.054 4.180
202603 4.133 330.213 4.133

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $14.13 mean?
Citba Financial (CBAF) has a Cyclically Adjusted Revenue per Share of $14.13 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citba Financial and its competitors.
Is Citba Financial's Cyclically Adjusted Revenue per Share too high?
Citba Financial's current Cyclically Adjusted Revenue per Share is $14.13. Overall, Citba Financial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's Cyclically Adjusted Revenue per Share compare to LFGP and CEFC?
Citba Financial's Cyclically Adjusted Revenue per Share of $14.13 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 Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue 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 Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citba Financial and its competitors. Citba Financial's current Cyclically Adjusted Revenue per Share is $14.13. 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 $31.82, compared to a current price of $37.51 — trading 17.9% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $14.13. Citba Financial's overall GF Score™ is 68/100 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 Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Citba Financial (CBAF), the current Cyclically Adjusted Revenue per Share is $14.13 as of Mar. 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 $37.51 is trading 17.9% above its estimated GF Value™ of $31.82. GuruFocus considers Citba Financial to be Modestly Overvalued.

Key valuation signals for CBAF:

  • Cyclically Adjusted Revenue per Share: $14.13
  • GF Value™: $31.82 vs. price of $37.51 (17.9% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for CBAF

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

$37.51
Price
$31.82
GF Value