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Citba FinancialCBAF 72 Earnings per Share (Diluted) is $4.18 as of Jun. 2026. GuruFocus rates CBAF with a GF Score™ of 72/100 and a GF Value™ of $32.72 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,413 Banks companies, Citba Financial ranks better than 61% on this metric.
Citba Financial's EPS (Basic) for the
three
months ended in Jun. 2026 was $1.10.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $4.18.
During the past 12 months, Citba Financial's average EPS without NRIGrowth Rate was 32.70% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 11.40% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 4.40% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 7.50% per year.
During the past 13 years, Citba Financial's highest 3-Year average EPS without NRI Growth Rate was 44.40% per year. The lowest was -12.10% per year. And the median was 10.40% per year.
Citba Financial (OTCPK:CBAF) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Citba Financial Earnings per Share (Diluted) Related Terms
Citba Financial Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Citba Financial's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
CBAF vs LSFG, BAOB, CIZN: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Citba Financial's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Citba Financial's PE Ratio falls into.
Citba Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Citba Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.18
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.18 mean?
Citba Financial (CBAF) has a Earnings per Share (Diluted) of $4.18 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Citba Financial and its competitors. According to the industry distribution chart, Citba Financial ranks #551 out of 1413 companies in the Banks industry, placing it in the top 39%.
Is Citba Financial's Earnings per Share (Diluted) too high?
Citba Financial's current Earnings per Share (Diluted) is $4.18. The Banks industry median Earnings per Share (Diluted) is 7.30. Citba Financial's value of $4.18 is 42.7% below this industry median. Based on the distribution chart, Citba Financial ranks #551 out of 1413 companies in the Banks industry, which is above the industry midpoint. 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 Earnings per Share (Diluted) compare to LSFG and BAOB?
According to the Banks industry distribution chart, Citba Financial ranks #551 out of 1413 companies for Earnings per Share (Diluted). This puts Citba Financial in the upper half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Citba Financial's value of $4.18 is 42.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current Earnings per Share (Diluted) of $4.18 is 42.7% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Citba Financial and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Earnings per Share (Diluted) is $4.18. 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 $32.72, compared to a current price of $38.65 — trading 18.1% above its estimated fair value. The current Earnings per Share (Diluted) is $4.18 and 42.7% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Citba Financial (CBAF), the current Earnings per Share (Diluted) is $4.18 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 $38.65 is trading 18.1% above its estimated GF Value™ of $32.72.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
Earnings per Share (Diluted): $4.18
GF Value™: $32.72 vs. price of $38.65 (18.1% above fair value)
Industry Position: 42.7% below the Banks median (#551 of 1413)
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.
72GF Score
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