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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Citba FinancialCBAF 63 3-Year Dividend Growth Rate is 9.90% as of Jun. 2026, which is 24% below its 10-year median of 13.10. GuruFocus rates CBAF with a GF Score™ of 63/100 and a GF Value™ of $33.08 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 959 Banks companies, Citba Financial ranks worse than 50.68% on this metric.
The historical rank and industry rank for Citba Financial's 3-Year Dividend Growth Rate or its related term are showing as below:
CBAF'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 3.7 Med: 13.1 Max: 32
Current: 9.9
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Citba Financial was 32.00% per year. The lowest was 3.70% per year. And the median was 13.10% per year.
CBAF's 3-Year Dividend Growth Rate is ranked worse than 50.68% of 959
companies
in the Banks industry
Industry Median: 10.1
vs CBAF: 9.90
During the past 12 months, Citba Financial's average Dividends Per Share Growth Rate was 8.30% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 9.90% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 10.20% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 14.30% 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 dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of Citba Financial was 0.38. The lowest was 0.15. And the median was 0.21.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Citba Financial Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
USD 0.260000
2026-07-15
2026-07-15
2026-07-29
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.240000
2026-04-14
2026-04-14
2026-04-28
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.240000
2026-01-14
2026-01-14
2026-01-28
Cash Dividend
quarterly
USD:USD 1.000000
USD 0.220000
2025-10-15
2025-10-15
2025-10-29
Cash Dividend
quarterly
USD:USD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Citba Financial's Dividend Yield (%) for Today is calculated as
Current Share Price is $48.00.
Citba Financial's Dividends per Share for the trailing twelve months (TTM) ended in Today is $0.96.
During the past 13 years, the highest Dividend Yield of Citba Financial was 3.91%. The lowest was 0.85%. And the median was 2.02%.
Warning Sign:
Citba Financial Corp stock Dividend Yield % is close to 5-year low.
* 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 3-Year Dividend Growth Rate Related Terms>
CBAF vs MNMB, DWNX, CBWA: 3-Year Dividend Growth Rate Comparison
For the Banks - Regional subindustry, Citba Financial's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Citba Financial's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of 9.90% mean?
Citba Financial (CBAF) has a 3-Year Dividend Growth Rate of 9.90% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Citba Financial and its competitors. This is 24% below median its historical median of 13.10. Over the past decade, Citba Financial's 3-Year Dividend Growth Rate has ranged from 3.70 to 32.00. According to the industry distribution chart, Citba Financial ranks #486 out of 959 companies in the Banks industry, placing it in the top 50.7%.
Is Citba Financial's 3-Year Dividend Growth Rate too high?
Citba Financial's current 3-Year Dividend Growth Rate of 9.90% is 24% below median its 10-year median of 13.10. Over the past 10 years, this metric has ranged from a low of 3.70 to a high of 32.00. The Banks industry median 3-Year Dividend Growth Rate is 10.10. Citba Financial's value of 9.90% is 2% below this industry median. Based on the distribution chart, Citba Financial ranks #486 out of 959 companies in the Banks industry, which is below the industry midpoint. 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 3-Year Dividend Growth Rate compare to MNMB and DWNX?
According to the Banks industry distribution chart, Citba Financial ranks #486 out of 959 companies for 3-Year Dividend Growth Rate. This places Citba Financial in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. Citba Financial's value of 9.90% is 2% below this benchmark. Historically, Citba Financial's own 3-Year Dividend Growth Rate has ranged from 3.70 to 32.00 over the past decade. While the company's 10-year median is 13.10 vs. the industry median of 10.10, Citba Financial has consistently been below 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 Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 959 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend 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 Dividend Growth Rate of 9.90% is 2% below 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 Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Citba Financial and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current 3-Year Dividend Growth Rate is 9.90%, which is 24% below median its own 10-year median of 13.10. 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 $33.08, compared to a current price of $48.00 — trading 45.1% above its estimated fair value. The current 3-Year Dividend Growth Rate is 9.90%, which is 24% below median its 10-year median of 13.10 and 2% below the Banks industry median of 10.10. 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 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Citba Financial (CBAF), the current 3-Year Dividend Growth Rate is 9.90% 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 $33.08.
GuruFocus considers Citba Financial to be Significantly Overvalued.
Key valuation signals for CBAF:
3-Year Dividend Growth Rate: 9.90% (24% below median its 10-year median of 13.10)
GF Value™: $33.08 vs. price of $48.00 (45.1% above fair value)
Industry Position: 2% below the Banks median (#486 of 959)
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
3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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