The historical rank and industry rank for Citba Financial's FCF Margin % or its related term are showing as below:
CBAF'
s FCF Margin % Range Over the Past 10 Years
Min: -12.5 Med: 22.47 Max: 44.47
Current: 27.99
During the past 13 years, the highest FCF Margin % of Citba Financial was 44.47%. The lowest was -12.50%. And the median was 22.47%.
CBAF's FCF Margin % is ranked better than 52.59% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs CBAF: 27.99
Citba Financial FCF Margin % Related Terms
Citba Financial FCF Margin % Historical Data
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The historical data trend for Citba Financial's FCF Margin % 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.
For the Banks - Regional subindustry, Citba Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citba Financial's FCF Margin % falls into.
* 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citba Financial and its competitors. According to the industry distribution chart, Citba Financial ranks #713 out of 1504 companies in the Banks industry, placing it in the top 47.4%.
Is Citba Financial's FCF Margin % too high?
Citba Financial's current FCF Margin % is 0.00%. Based on the distribution chart, Citba Financial ranks #713 out of 1504 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 FCF Margin % compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #713 out of 1504 companies for FCF Margin %. This puts Citba Financial in the upper half of its industry. The industry median FCF Margin % is 26.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citba Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current FCF Margin % is 0.00%. 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 FCF Margin % is 0.00%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citba Financial (CBAF), the current FCF Margin % is 0.00% 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:
FCF Margin %: 0.00%
GF Value™: $31.94 vs. price of $38.56 (20.7% above fair value)
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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