CBAF (Citba Financial) EPS (Basic): $3.99 (TTM As of Mar. 2026)


CBAF Citba Financial Corp CBAF
68 GF Score
Price $38.56
GF Value $31.94
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Citba Financial EPS (Basic)?

Citba Financial CBAF -1.13% 68 EPS (Basic) is $3.99 as of Mar. 2026. GuruFocus rates CBAF with a GF Score™ of 68/100 and a GF Value™ of $31.94 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Citba Financial's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $1.08. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.99.

Citba Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $1.08. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.97.

Citba Financial's EPS without NRI for the three months ended in Mar. 2026 was $1.08. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 3.97.

During the past 12 months, Citba Financial's average EPS without NRIGrowth Rate was 41.20% per year. During the past 3 years, the average EPS without NRI Growth Rate was 11.40% per year. During the past 5 years, the average EPS without NRI Growth Rate was 4.40% per year. During the past 10 years, the average EPS without NRI Growth Rate was 7.50% 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 EPS without NRI Growth Rate using EPS without NRI data.

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) EPS (Basic) Explanation

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 EPS (Basic) Related Terms

Citba Financial EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Citba Financial's EPS (Basic) 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 EPS (Basic) Chart

Citba Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.47 2.89 3.23 2.23 4.19

Citba Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) 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 1.28 0.88 0.96 1.07 1.08
CBAF
68GF Score
Citba Financial Corp CBAF
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Citba Financial EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Citba Financial's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(6.779-0.05)/1.608
=4.18

Citba Financial's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(1.699-0)/1.571
=1.08

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.99

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $3.99 mean?
Citba Financial (CBAF) has a EPS (Basic) of $3.99 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citba Financial and its competitors.
Is Citba Financial's EPS (Basic) too high?
Citba Financial's current EPS (Basic) is $3.99. 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 EPS (Basic) compare to MVLY and PGNN?
Citba Financial's EPS (Basic) of $3.99 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Citba Financial and its competitors. Citba Financial's current EPS (Basic) is $3.99. 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 $38.56 — trading 20.7% above its estimated fair value. The current EPS (Basic) is $3.99. Citba Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Citba Financial (CBAF), the current EPS (Basic) is $3.99 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 $38.56 is trading 20.7% above its estimated GF Value™ of $31.94. GuruFocus considers Citba Financial to be Modestly Overvalued.

Key valuation signals for CBAF:

  • EPS (Basic): $3.99
  • GF Value™: $31.94 vs. price of $38.56 (20.7% above fair value)
  • GF Score™: 68/100 with 5 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

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.56
Price
$31.94
GF Value