Citba FinancialCBAF -1.13%68 Net Margin % is 25.80% as of Mar. 2026, which is 17% above its 10-year median of 22.07. GuruFocus rates CBAF with a GF Score™ of 68/100 and a GF Value™ of $31.94 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Citba Financial ranks worse than 56.55% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Citba Financial's Net Income for the
three
months ended in Mar. 2026 was $1.70 Mil. Citba Financial's Revenue for the
three
months ended in Mar. 2026 was $6.59 Mil. Therefore, Citba Financial's net margin for the quarter that ended in Mar. 2026 was 25.80%.
The historical rank and industry rank for Citba Financial's Net Margin % or its related term are showing as below:
CBAF'
s Net Margin % Range Over the Past 10 Years
Min: 16.66 Med: 22.07 Max: 26.65
Current: 24.65
CBAF's Net Margin % is ranked worse than 56.55% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CBAF: 24.65
Citba Financial (OTCPK:CBAF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Citba Financial Net Margin % Related Terms
Citba Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for Citba Financial's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citba Financial's Net 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 Net Margin % of 25.80% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Citba Financial and its competitors. This is 17% above median its historical median of 22.07. Over the past decade, Citba Financial's Net Margin % has ranged from 16.66 to 26.65. According to the industry distribution chart, Citba Financial ranks #863 out of 1526 companies in the Banks industry, placing it in the top 56.6%.
Is Citba Financial's Net Margin % too high?
Citba Financial's current Net Margin % of 25.80% is 17% above median its 10-year median of 22.07. Over the past 10 years, this metric has ranged from a low of 16.66 to a high of 26.65. The Banks industry median Net Margin % is 26.97. Citba Financial's value of 25.80% is 4.3% below this industry median. Based on the distribution chart, Citba Financial ranks #863 out of 1526 companies in the Banks industry, which is below 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 Net Margin % compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #863 out of 1526 companies for Net Margin %. This places Citba Financial in the lower half of its industry. The industry median Net Margin % is 26.97. Citba Financial's value of 25.80% is 4.3% below this benchmark. Historically, Citba Financial's own Net Margin % has ranged from 16.66 to 26.65 over the past decade. While the company's 10-year median is 22.07 vs. the industry median of 26.97, Citba Financial has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current Net Margin % of 25.80% is 4.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Citba Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Net Margin % is 25.80%, which is 17% above median its own 10-year median of 22.07. 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 Net Margin % is 25.80%, which is 17% above median its 10-year median of 22.07 and 4.3% below the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Citba Financial (CBAF), the current Net Margin % is 25.80% 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:
Net Margin %: 25.80% (17% above median its 10-year median of 22.07)
GF Value™: $31.94 vs. price of $38.56 (20.7% above fair value)
Industry Position: 4.3% below the Banks median (#863 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.
68GF Score
Get the complete analysis for CBAF
Net Margin % 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 
