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Citba FinancialCBAF 72 Intrinsic Value: DCF (FCF Based) is $104.39 as of Aug. 10, 2026, which is 23625% above its 10-year median of 0.44. GuruFocus rates CBAF with a GF Scoreâ„¢ of 72/100 and a GF Valueâ„¢ of $32.89 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 523 Banks companies, Citba Financial ranks better than 61.95% on this metric.
Note: Discounted Cash Flow model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's predictability rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.
1. The DCF model evaluates a company based on its future earnings power
2. Growth is taken into account; therefore a faster growth company is worth more if everything else is the same.
3. Since we are projecting future growth, it is assumed that the company will grow at the same rate as it did during the past 10 years. Therefore this model works better for the companies that have relatively consistent performance.
4. The DCF model works poorly for inconsistent performers such as cyclicals.
5. What discount rate should you use? Your expected return from the investment is a good discount rate assumption.
6. A larger margin of safety should be required for companies with less predictable businesses.
Citba Financial Intrinsic Value: DCF (FCF Based) Related Terms
Citba Financial Intrinsic Value: DCF (FCF Based) Historical Data
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The historical data trend for Citba Financial's Intrinsic Value: DCF (FCF Based) 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 Price-to-DCF (FCF Based), along with its competitors' market caps and Price-to-DCF (FCF Based) 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 Price-to-DCF (FCF Based) vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's Price-to-DCF (FCF Based) distribution charts can be found below:
* The bar in red indicates where Citba Financial's Price-to-DCF (FCF Based) falls into.
This is the intrinsic value calculated from the Discounted Cash Flow model with default parameters. In a discounted cash flow model, the future cash flow is estimated based on a cash flow growth rate and a discount rate. The cash flow of the future is discounted to its current value at the discount rate. All of the discounted future cash flow is added together to get the current intrinsic value of the company.
Usually a two-stage model is used when calculating a stock's intrinsic value using a discounted cash flow model. The first stage is called the growth stage; the second is called the terminal stage. In the growth stage the company grows at a faster rate. Because it cannot grow at that rate forever, a lower rate is used for the terminal stage.
GuruFocus DCF calculator is a two-stage model. The default values are defined as:
1. Discount Rate: d = 11% A reasonable discount rate assumption should be at least the long term average return of the stock market, which can be estimated from risk free rate plus risk premium of stock market. GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate and rounded up to the nearest integer. It is updated daily. The current risk-free rate is 4.71%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default. Then we added a risk premium of 6% to get the estimated discount rate. Some investors use their expected rate of return, which is also reasonable. A typical discount rate can be anywhere between 6% - 20%.
2. Growth Rate in the growth stage: g1 = 15.50%
The Growth Rate in the growth stage is initially set as the default 10-Year FCF Growth Rate (Per Share). In cases where the 10-year growth rate is unavailable, it defaults to using the 5-Year FCF Growth Rate (Per Share). If both the 10-year and 5-year growth rates are unavailable, the system defaults to the 3-Year FCF Growth Rate (Per Share).
However, it's important to note that there is a growth rate range. If the calculated growth rate exceeds 20%, it will be capped at 20%. Conversely, if the calculated growth rate falls below 5%, it will be adjusted to 5% to maintain a reasonable range.
=>
Citba Financial's average Free Cash Flow Growth Rate in the past
3 years was 15.50%,
which is between 5% and 20%. => GuruFocus defaults => Growth Rate: 15.50%
3. Years of Growth Stage: y1 = 10
4. Terminal Growth Rate: g2 = 4%
5. Years of Terminal Growth: y2 = 10
6. Free Cash Flow per Share: fcf = $4.518. However, GuruFocus DCF calculator is actually a Discounted Earnings calculator, the EPS without NRI is used as the default. The reason we are doing this is we found that historically stock prices are more correlated with earnings than free cash flow.
All of the default settings can be changed and the results are calculated automatically.
Citba Financial's Intrinsic Value: DCF (FCF Based) for today 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.
What does a Intrinsic Value: DCF (FCF Based) of $104.39 mean?
Citba Financial (CBAF) has a Intrinsic Value: DCF (FCF Based) of $104.39 as of Aug. 10, 2026. Intrinsic Value: DCF (FCF Based) is the stock value based on a two-stage discounted free cash flow model. View historical data on Citba Financial and its competitors. This is 23625% above median its historical median of 0.44. Over the past decade, Citba Financial's Intrinsic Value: DCF (FCF Based) has ranged from 0.14 to 1.69. According to the industry distribution chart, Citba Financial ranks #199 out of 523 companies in the Banks industry, placing it in the top 38%.
Is Citba Financial's Intrinsic Value: DCF (FCF Based) too high?
Citba Financial's current Intrinsic Value: DCF (FCF Based) of $104.39 is 23625% above median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 1.69. The Banks industry median Intrinsic Value: DCF (FCF Based) is 0.56. Citba Financial's value of $104.39 is 18541.1% above this industry median. Based on the distribution chart, Citba Financial ranks #199 out of 523 companies in the Banks industry, which is above the industry midpoint. Overall, Citba Financial has a GF Scoreâ„¢ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's Intrinsic Value: DCF (FCF Based) compare to LSFG and BAOB?
According to the Banks industry distribution chart, Citba Financial ranks #199 out of 523 companies for Intrinsic Value: DCF (FCF Based). This puts Citba Financial in the upper half of its industry. The industry median Intrinsic Value: DCF (FCF Based) is 0.56. Citba Financial's value of $104.39 is 18541.1% above this benchmark. Historically, Citba Financial's own Intrinsic Value: DCF (FCF Based) has ranged from 0.14 to 1.69 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.56, Citba Financial has consistently been above 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 Intrinsic Value: DCF (FCF Based) for a Banks company?
The median Intrinsic Value: DCF (FCF Based) among Banks companies is 0.56, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: DCF (FCF Based) significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: DCF (FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current Intrinsic Value: DCF (FCF Based) of $104.39 is 18541.1% above 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 Intrinsic Value: DCF (FCF Based) mean?
A high Intrinsic Value: DCF (FCF Based) can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: DCF (FCF Based) is the stock value based on a two-stage discounted free cash flow model. View historical data on Citba Financial and its competitors. For the Banks industry, the median Intrinsic Value: DCF (FCF Based) is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Intrinsic Value: DCF (FCF Based) is $104.39, which is 23625% above median its own 10-year median of 0.44. 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 $32.89, compared to a current price of $40.50 — trading 23.1% above its estimated fair value. The current Intrinsic Value: DCF (FCF Based) is $104.39, which is 23625% above median its 10-year median of 0.44 and 18541.1% above the Banks industry median of 0.56. 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 Intrinsic Value: DCF (FCF Based) calculated?
Intrinsic Value: DCF (FCF Based) is calculated from a company's financial statements. For Citba Financial (CBAF), the current Intrinsic Value: DCF (FCF Based) is $104.39 as of Aug. 10, 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 $40.50 is trading 23.1% above its estimated GF Value™ of $32.89.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
Intrinsic Value: DCF (FCF Based): $104.39 (23625% above median its 10-year median of 0.44)
GF Value™: $32.89 vs. price of $40.50 (23.1% above fair value)
Industry Position: 18541.1% above the Banks median (#199 of 523)
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
Intrinsic Value: DCF (FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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