Citba FinancialCBAF -0.68%68 PB Ratio is 0.92 as of Jun. 29, 2026, which is 5% above its 10-year median of 0.88. GuruFocus rates CBAF with a GF Score™ of 68/100 and a GF Value™ of $31.95 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Citba Financial ranks better than 64.78% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-29), Citba Financial's share price is $38.30. Citba Financial's Book Value per Share for the quarter that ended in Mar. 2026 was $41.77. Hence, Citba Financial's PB Ratio of today is 0.92.
Warning Sign:
Citba Financial Corp stock PB Ratio (=0.92) is close to 5-year high of 0.99.
The historical rank and industry rank for Citba Financial's PB Ratio or its related term are showing as below:
CBAF'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 0.88 Max: 1.26
Current: 0.92
During the past 13 years, Citba Financial's highest PB Ratio was 1.26. The lowest was 0.64. And the median was 0.88.
CBAF's PB Ratio is ranked better than 64.78% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs CBAF: 0.92
During the past 12 months, Citba Financial's average Book Value Per Share Growth Rate was 14.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citba Financial was 12.10% per year. The lowest was 0.00% per year. And the median was 5.70% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Citba Financial PB Ratio Related Terms
Citba Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Citba Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citba Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Citba Financial's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Citba Financial (CBAF) has a PB Ratio of 0.92 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citba Financial and its competitors. This is near median its historical median of 0.88. Over the past decade, Citba Financial's PB Ratio has ranged from 0.64 to 1.26. According to the industry distribution chart, Citba Financial ranks #535 out of 1519 companies in the Banks industry, placing it in the top 35.2%.
Is Citba Financial's PB Ratio too high?
Citba Financial's current PB Ratio of 0.92 is near median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.26. The Banks industry median PB Ratio is 1.09. Citba Financial's value of 0.92 is 15.6% below this industry median. Based on the distribution chart, Citba Financial ranks #535 out of 1519 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 PB Ratio compare to LFGP and CEFC?
According to the Banks industry distribution chart, Citba Financial ranks #535 out of 1519 companies for PB Ratio. This puts Citba Financial in the upper half of its industry. The industry median PB Ratio is 1.09. Citba Financial's value of 0.92 is 15.6% below this benchmark. Historically, Citba Financial's own PB Ratio has ranged from 0.64 to 1.26 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current PB Ratio of 0.92 is 15.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Citba Financial and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current PB Ratio is 0.92, which is near median its own 10-year median of 0.88. 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 $38.30 — trading 19.9% above its estimated fair value. The current PB Ratio is 0.92, which is near median its 10-year median of 0.88 and 15.6% below the Banks industry median of 1.09. Citba Financial's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Citba Financial (CBAF), the current PB Ratio is 0.92 as of Jun. 29, 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 $38.30 is trading 19.9% above its estimated GF Value™ of $31.95.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
PB Ratio: 0.92 (near median its 10-year median of 0.88)
GF Value™: $31.95 vs. price of $38.30 (19.9% above fair value)
Industry Position: 15.6% below the Banks median (#535 of 1519)
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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