Citba Financial has the GF Score of 68, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Citba Financial
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Citba Financial (OTCPK:CBAF) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Citba Financial GF Score Related Terms
CBAF vs MVLY, PGNN, INFT: GF Score Comparison
For the Banks - Regional subindustry, Citba Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's GF Score distribution charts can be found below:
* The bar in red indicates where Citba Financial's GF Score falls into.
Citba Financial (CBAF) has a GF Score of 68 as of Jun. 27, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Citba Financial and its competitors. This is near median its historical median of 68.00. Over the past decade, Citba Financial's GF Score has ranged from 50.00 to 79.00.
Is Citba Financial's GF Score too high?
Citba Financial's current GF Score of 68 is near median its 10-year median of 68.00. Over the past 10 years, this metric has ranged from a low of 50.00 to a high of 79.00. 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 GF Score compare to MVLY and PGNN?
Citba Financial's GF Score of 68 can be compared against companies in the Banks industry. Historically, Citba Financial's own GF Score has ranged from 50.00 to 79.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Citba Financial and its competitors. Citba Financial's current GF Score is 68, which is near median its own 10-year median of 68.00. 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 $31.95, compared to a current price of $38.56 — trading 20.7% above its estimated fair value. The current GF Score is 68, which is near median its 10-year median of 68.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Citba Financial (CBAF), the current GF Score is 68 as of Jun. 27, 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 $31.95.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
GF Score: 68 (near median its 10-year median of 68.00)
GF Value™: $31.95 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
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