Citba FinancialCBAF -1.13%68 ROE % is 10.39% as of Mar. 2026, which is 16% above its 10-year median of 8.97. 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 1,523 Banks companies, Citba Financial ranks worse than 51.02% on this metric.
The historical rank and industry rank for Citba Financial's ROE % or its related term are showing as below:
CBAF'
s ROE % Range Over the Past 10 Years
Min: 6.5 Med: 8.97 Max: 10.92
Current: 10.12
During the past 13 years, Citba Financial's highest ROE % was 10.92%. The lowest was 6.50%. And the median was 8.97%.
CBAF's ROE % is ranked worse than 51.02% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs CBAF: 10.12
Citba Financial (OTCPK:CBAF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Citba Financial ROE % Related Terms
Citba Financial ROE % Historical Data
* Premium members only.
The historical data trend for Citba Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Citba Financial's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Citba Financial (CBAF) has a ROE % of 10.39% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citba Financial and its competitors. This is 16% above median its historical median of 8.97. Over the past decade, Citba Financial's ROE % has ranged from 6.50 to 10.92. According to the industry distribution chart, Citba Financial ranks #777 out of 1523 companies in the Banks industry, placing it in the top 51%.
Is Citba Financial's ROE % too high?
Citba Financial's current ROE % of 10.39% is 16% above median its 10-year median of 8.97. Over the past 10 years, this metric has ranged from a low of 6.50 to a high of 10.92. The Banks industry median ROE % is 10.22. Citba Financial's value of 10.39% is 1.7% above this industry median. Based on the distribution chart, Citba Financial ranks #777 out of 1523 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 ROE % compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #777 out of 1523 companies for ROE %. This places Citba Financial in the lower half of its industry. The industry median ROE % is 10.22. Citba Financial's value of 10.39% is 1.7% above this benchmark. Historically, Citba Financial's own ROE % has ranged from 6.50 to 10.92 over the past decade. While the company's 10-year median is 8.97 vs. the industry median of 10.22, Citba Financial has consistently been above 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current ROE % of 10.39% is 1.7% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Citba Financial and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current ROE % is 10.39%, which is 16% above median its own 10-year median of 8.97. 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 ROE % is 10.39%, which is 16% above median its 10-year median of 8.97 and 1.7% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Citba Financial (CBAF), the current ROE % is 10.39% 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:
ROE %: 10.39% (16% above median its 10-year median of 8.97)
GF Value™: $31.94 vs. price of $38.56 (20.7% above fair value)
Industry Position: 1.7% above the Banks median (#777 of 1523)
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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