Citba FinancialCBAF 68 Pretax Margin % is 29.84% as of Mar. 2026, which is 5% above its 10-year median of 28.49. 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 67.96% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citba Financial Pretax Margin % Related Terms
Citba Financial Pretax Margin % Historical Data
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The historical data trend for Citba Financial's Pretax 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.
CBAF vs MVLY, PGNN, INFT: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citba Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citba Financial's Pretax 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 Pretax Margin % of 29.84% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citba Financial and its competitors. This is near median its historical median of 28.49. Over the past decade, Citba Financial's Pretax Margin % has ranged from 17.49 to 34.14. According to the industry distribution chart, Citba Financial ranks #1037 out of 1526 companies in the Banks industry, placing it in the top 68%.
Is Citba Financial's Pretax Margin % too high?
Citba Financial's current Pretax Margin % of 29.84% is near median its 10-year median of 28.49. Over the past 10 years, this metric has ranged from a low of 17.49 to a high of 34.14. The Banks industry median Pretax Margin % is 34.89. Citba Financial's value of 29.84% is 14.5% below this industry median. Based on the distribution chart, Citba Financial ranks #1037 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 Pretax Margin % compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #1037 out of 1526 companies for Pretax Margin %. This places Citba Financial in the lower half of its industry. The industry median Pretax Margin % is 34.89. Citba Financial's value of 29.84% is 14.5% below this benchmark. Historically, Citba Financial's own Pretax Margin % has ranged from 17.49 to 34.14 over the past decade. While the company's 10-year median is 28.49 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current Pretax Margin % of 29.84% is 14.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citba Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Pretax Margin % is 29.84%, which is near median its own 10-year median of 28.49. 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 Pretax Margin % is 29.84%, which is near median its 10-year median of 28.49 and 14.5% below the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citba Financial (CBAF), the current Pretax Margin % is 29.84% 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:
Pretax Margin %: 29.84% (near median its 10-year median of 28.49)
GF Value™: $31.94 vs. price of $38.56 (20.7% above fair value)
Industry Position: 14.5% below the Banks median (#1037 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
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