Citba FinancialCBAF 68 PS Ratio is 2.38 as of Jun. 28, 2026, which is 1% below its 10-year median of 2.40. 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 65.5% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Citba Financial's share price is $38.5605.
Citba Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $16.23. Hence, Citba Financial's PS Ratio for today is 2.38.
Warning Sign:
Citba Financial Corp stock PS Ratio (=2.38) is close to 3-year high of 2.46.
The historical rank and industry rank for Citba Financial's PS Ratio or its related term are showing as below:
CBAF'
s PS Ratio Range Over the Past 10 Years
Min: 1.27 Med: 2.4 Max: 3.1
Current: 2.38
During the past 13 years, Citba Financial's highest PS Ratio was 3.10. The lowest was 1.27. And the median was 2.40.
CBAF's PS Ratio is ranked better than 65.5% of 1519
companies
in the Banks industry
Industry Median: 2.98
vs CBAF: 2.38
Citba Financial Corp has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Citba Financial was 10.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 7.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 7.00% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 5.60% per year.
During the past 13 years, Citba Financial's highest 3-Year average Revenue per Share Growth Rate was 7.90% per year. The lowest was -2.30% per year. And the median was 4.30% per year.
Back to Basics: PS Ratio
Citba Financial (OTCPK:CBAF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Citba Financial PS Ratio Related Terms
Citba Financial PS Ratio Historical Data
* Premium members only.
The historical data trend for Citba Financial's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's PS Ratio distribution charts can be found below:
* The bar in red indicates where Citba Financial's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Citba Financial's Share Price of today is $38.5605. Citba Financial's Revenue per Share 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 $16.23.
* 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:
Citba Financial (CBAF) has a PS Ratio of 2.38 as of Jun. 28, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Citba Financial and its competitors. This is near median its historical median of 2.40. Over the past decade, Citba Financial's PS Ratio has ranged from 1.27 to 3.10. According to the industry distribution chart, Citba Financial ranks #524 out of 1519 companies in the Banks industry, placing it in the top 34.5%.
Is Citba Financial's PS Ratio too high?
Citba Financial's current PS Ratio of 2.38 is near median its 10-year median of 2.40. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 3.10. The Banks industry median PS Ratio is 2.98. Citba Financial's value of 2.38 is 20.1% below this industry median. Based on the distribution chart, Citba Financial ranks #524 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 PS Ratio compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #524 out of 1519 companies for PS Ratio. This puts Citba Financial in the upper half of its industry. The industry median PS Ratio is 2.98. Citba Financial's value of 2.38 is 20.1% below this benchmark. Historically, Citba Financial's own PS Ratio has ranged from 1.27 to 3.10 over the past decade. While the company's 10-year median is 2.40 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current PS Ratio of 2.38 is 20.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Citba Financial and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current PS Ratio is 2.38, which is near median its own 10-year median of 2.40. 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 PS Ratio is 2.38, which is near median its 10-year median of 2.40 and 20.1% below the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Citba Financial (CBAF), the current PS Ratio is 2.38 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:
PS Ratio: 2.38 (near median its 10-year median of 2.40)
GF Value™: $31.95 vs. price of $38.56 (20.7% above fair value)
Industry Position: 20.1% below the Banks median (#524 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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