Citba Financial's earnings per share without non-recurring items for the
three
months ended in Mar. 2026 was $1.08.
Its earnings 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 earnings per share (NRI) Growth Rate was 41.20% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was 11.40% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was 4.40% per year.
During the past 10 years, the average earnings per share (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 Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Citba Financial's EPS without NRI or its related term are showing as below:
CBAF'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -12.1 Med: 10.4 Max: 44.4
Current: 11.4
During the past 13 years, Citba Financial's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 44.40% per year. The lowest was -12.10% per year. And the median was 10.40% per year.
CBAF's 3-Year EPS without NRI Growth Rate is ranked better than 61.03% of 1414
companies
in the Banks industry
Industry Median: 7.3
vs CBAF: 11.40
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 (Basic) for the
three
months ended in Mar. 2026 was $1.08.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.99.
Citba Financial (OTCPK:CBAF) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
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 without NRI Related Terms
Citba Financial EPS without NRI Historical Data
* Premium members only.
The historical data trend for Citba Financial's EPS without NRI 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.
CBAF vs LFGP, CEFC, FMFG: EPS without NRI Comparison
For the Banks - Regional subindustry, Citba Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Citba Financial's PE Ratio without NRI falls into.
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.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI 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 $3.97
* 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 (CBAF) has a EPS without NRI of $3.97 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Citba Financial and its competitors. According to the industry distribution chart, Citba Financial ranks #551 out of 1414 companies in the Banks industry, placing it in the top 39%.
Is Citba Financial's EPS without NRI too high?
Citba Financial's current EPS without NRI is $3.97. The Banks industry median EPS without NRI is 7.30. Citba Financial's value of $3.97 is 45.6% below this industry median. Based on the distribution chart, Citba Financial ranks #551 out of 1414 companies in the Banks industry, which is above the industry midpoint. 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 without NRI compare to LFGP and CEFC?
According to the Banks industry distribution chart, Citba Financial ranks #551 out of 1414 companies for EPS without NRI. This puts Citba Financial in the upper half of its industry. The industry median EPS without NRI is 7.30. Citba Financial's value of $3.97 is 45.6% 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 EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,414 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current EPS without NRI of $3.97 is 45.6% 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Citba Financial and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current EPS without NRI is $3.97. 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 $31.95, compared to a current price of $38.00 — trading 18.9% above its estimated fair value. The current EPS without NRI is $3.97 and 45.6% below the Banks industry median of 7.30. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Citba Financial (CBAF), the current EPS without NRI is $3.97 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 $38.00 is trading 18.9% above its estimated GF Value™ of $31.95.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
EPS without NRI: $3.97
GF Value™: $31.95 vs. price of $38.00 (18.9% above fair value)
Industry Position: 45.6% below the Banks median (#551 of 1414)
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.
68GF Score
Get the complete analysis for CBAF
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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