Citba FinancialCBAF 68 PE Ratio (TTM) is 9.72 as of Jun. 28, 2026, which is 10% below its 10-year median of 10.78. 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 1,447 Banks companies, Citba Financial ranks better than 66.07% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-28), Citba Financial's share price is
$38.5605.
Citba Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.97. Therefore, Citba Financial's PE Ratio (TTM) for today is 9.72.
The historical rank and industry rank for Citba Financial's PE Ratio (TTM) or its related term are showing as below:
CBAF'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 5.04 Med: 10.78 Max: 17.21
Current: 9.72
During the past 13 years, the highest PE Ratio (TTM) of Citba Financial was 17.21. The lowest was 5.04. And the median was 10.78.
CBAF's PE Ratio (TTM) is ranked better than 66.07% of 1447
companies
in the Banks industry
Industry Median: 11.72
vs CBAF: 9.72
During the past 12 months, Citba Financial's average EPS without NRIGrowth Rate was 41.20% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 11.40% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 4.40% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 7.50% per year.
During the past 13 years, Citba Financial's highest 3-Year average EPS without NRI Growth Rate was 44.40% per year. The lowest was -12.10% per year. And the median was 10.40% per year.
Citba Financial's EPS (Basic) for the
three
months ended in Mar. 2026 was $1.08.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.99.
Citba Financial (OTCPK:CBAF) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Citba Financial PE Ratio (TTM) Related Terms
Citba Financial PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Citba Financial's PE Ratio (TTM) 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.
CBAF vs MVLY, PGNN, INFT: PE Ratio (TTM) Comparison
For the Banks - Regional subindustry, Citba Financial's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Citba Financial's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Citba Financial's Share Price of today is $38.5605.
Citba Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.97.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Citba Financial (CBAF) has a PE Ratio (TTM) of 9.72 as of Jun. 28, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Citba Financial and its competitors. This is 10% below median its historical median of 10.78. Over the past decade, Citba Financial's PE Ratio (TTM) has ranged from 5.04 to 17.21. According to the industry distribution chart, Citba Financial ranks #491 out of 1447 companies in the Banks industry, placing it in the top 33.9%.
Is Citba Financial's PE Ratio (TTM) too high?
Citba Financial's current PE Ratio (TTM) of 9.72 is 10% below median its 10-year median of 10.78. Over the past 10 years, this metric has ranged from a low of 5.04 to a high of 17.21. The Banks industry median PE Ratio (TTM) is 11.72. Citba Financial's value of 9.72 is 17.1% below this industry median. Based on the distribution chart, Citba Financial ranks #491 out of 1447 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 PE Ratio (TTM) compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #491 out of 1447 companies for PE Ratio (TTM). This puts Citba Financial in the upper half of its industry. The industry median PE Ratio (TTM) is 11.72. Citba Financial's value of 9.72 is 17.1% below this benchmark. Historically, Citba Financial's own PE Ratio (TTM) has ranged from 5.04 to 17.21 over the past decade. While the company's 10-year median is 10.78 vs. the industry median of 11.72, 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 PE Ratio (TTM) for a Banks company?
The median PE Ratio (TTM) among Banks companies is 11.72, based on 1,447 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current PE Ratio (TTM) of 9.72 is 17.1% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Citba Financial and its competitors. For the Banks industry, the median PE Ratio (TTM) is 11.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current PE Ratio (TTM) is 9.72, which is 10% below median its own 10-year median of 10.78. 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 PE Ratio (TTM) is 9.72, which is 10% below median its 10-year median of 10.78 and 17.1% below the Banks industry median of 11.72. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Citba Financial (CBAF), the current PE Ratio (TTM) is 9.72 as of Jun. 28, 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:
PE Ratio (TTM): 9.72 (10% below median its 10-year median of 10.78)
GF Value™: $31.95 vs. price of $38.56 (20.7% above fair value)
Industry Position: 17.1% below the Banks median (#491 of 1447)
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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PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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