Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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 +0.35%72 Equity-to-Asset is 0.10 as of Jun. 2026, which is at its 10-year median of 0.10. GuruFocus rates CBAF with a GF Score™ of 72/100 and a GF Value™ of $32.71 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Citba Financial ranks better than 55.05% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Citba Financial's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $65.80 Mil. Citba Financial's Total Assets for the quarter that ended in Jun. 2026 was $690.65 Mil.
Therefore, Citba Financial's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.10.
The historical rank and industry rank for Citba Financial's Equity-to-Asset or its related term are showing as below:
CBAF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.1 Max: 0.11
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Citba Financial was 0.11. The lowest was 0.07. And the median was 0.10.
CBAF's Equity-to-Asset is ranked better than 55.05% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs CBAF: 0.10
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Citba Financial Equity-to-Asset Related Terms
Citba Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Citba Financial's Equity-to-Asset 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 LSFG, BAOB, CIZN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Citba Financial's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Citba Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Citba Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citba Financial and its competitors. This is near median its historical median of 0.10. Over the past decade, Citba Financial's Equity-to-Asset has ranged from 0.07 to 0.11. According to the industry distribution chart, Citba Financial ranks #686 out of 1526 companies in the Banks industry, placing it in the top 45%.
Is Citba Financial's Equity-to-Asset too high?
Citba Financial's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Citba Financial's value of 0.10 is 0% at this industry median. Based on the distribution chart, Citba Financial ranks #686 out of 1526 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 Equity-to-Asset compare to LSFG and BAOB?
According to the Banks industry distribution chart, Citba Financial ranks #686 out of 1526 companies for Equity-to-Asset. This puts Citba Financial in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Citba Financial's value of 0.10 is 0% at this benchmark. Historically, Citba Financial's own Equity-to-Asset has ranged from 0.07 to 0.11 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Citba Financial has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citba Financial and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.10. 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 Modestly Overvalued. The stock's GF Value™ is $32.71, compared to a current price of $38.65 — trading 18.2% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.10 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Citba Financial (CBAF), the current Equity-to-Asset is 0.10 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 18.2% above its estimated GF Value™ of $32.71.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.10)
GF Value™: $32.71 vs. price of $38.65 (18.2% above fair value)
Industry Position: 0% at the Banks median (#686 of 1526)
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
Get the complete analysis for CBAF
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CBAF has been successfully added to your 
