CBAF (Citba Financial) Selling, General, & Admin. Expense: $11.49 Mil (TTM As of Mar. 2026)


CBAF Citba Financial Corp CBAF
72 GF Score
Price $37.47
GF Value $31.86
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Citba Financial Selling, General, & Admin. Expense?

Citba Financial CBAF 72 Selling, General, & Admin. Expense is $11.49 Mil as of Mar. 2026. GuruFocus rates CBAF with a GF Score™ of 72/100 and a GF Value™ of $31.86 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Citba Financial's selling, general, & admin. expense for the three months ended in Mar. 2026 was $2.91 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was $11.49 Mil.


Citba Financial  (OTCPK:CBAF) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


Citba Financial Selling, General, & Admin. Expense Related Terms


Citba Financial Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for Citba Financial's Selling, General, & Admin. Expense 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.

Citba Financial Selling, General, & Admin. Expense Chart

Citba Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.94 10.67 10.86 11.28 11.45

Citba Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Selling, General, & Admin. Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.86 2.84 2.86 2.88 2.91

CBAF vs LFGP, CEFC, FMFG: Selling, General, & Admin. Expense Comparison

For the Banks - Regional subindustry, Citba Financial's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry

For the Banks industry and Financial Services sector, Citba Financial's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where Citba Financial's Selling, General, & Admin. Expense falls into.


CBAF
72GF Score
Citba Financial Corp CBAF
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citba Financial Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense 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 $11.49 Mil.

* 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.

What does a Selling, General, & Admin. Expense of $11.49 Mil mean?
Citba Financial (CBAF) has a Selling, General, & Admin. Expense of $11.49 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Citba Financial and its competitors.
Is Citba Financial's Selling, General, & Admin. Expense too high?
Citba Financial's current Selling, General, & Admin. Expense is $11.49 Mil. Overall, Citba Financial has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's Selling, General, & Admin. Expense compare to LFGP and CEFC?
Citba Financial's Selling, General, & Admin. Expense of $11.49 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Citba Financial and its competitors. Citba Financial's current Selling, General, & Admin. Expense is $11.49 Mil. 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 $31.86, compared to a current price of $37.47 — trading 17.6% above its estimated fair value. The current Selling, General, & Admin. Expense is $11.49 Mil. Citba Financial's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Citba Financial (CBAF), the current Selling, General, & Admin. Expense is $11.49 Mil 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 $37.47 is trading 17.6% above its estimated GF Value™ of $31.86. GuruFocus considers Citba Financial to be Modestly Overvalued.

Key valuation signals for CBAF:

  • Selling, General, & Admin. Expense: $11.49 Mil
  • GF Value™: $31.86 vs. price of $37.47 (17.6% above fair value)
  • GF Score™: 72/100 with 4 warning signs

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 Business Description

Address 33 North Indiana Street, P.O. Box 789, Mooresville, IN, USA, 46158-0007
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.
72GF Score

Get the complete analysis for CBAF

Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.47
Price
$31.86
GF Value