CBAF (Citba Financial) 1-Year Sharpe Ratio: 1.28 (As of Jul. 15, 2026)

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CBAF Citba Financial Corp CBAF
72 GF Score
Price $37.14
GF Value $31.90
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Citba Financial 1-Year Sharpe Ratio?

Citba Financial CBAF -0.70% 72 1-Year Sharpe Ratio is 1.28 as of Jul. 15, 2026. GuruFocus rates CBAF with a GF Score™ of 72/100 and a GF Value™ of $31.90 (Modestly Overvalued). The stock has 4 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-15), Citba Financial's 1-Year Sharpe Ratio is 1.28.

Citba Financial  (OTCPK:CBAF) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Citba Financial 1-Year Sharpe Ratio Related Terms

CBAF vs LFGP, CEFC, FMFG: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Citba Financial's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citba Financial's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Citba Financial's 1-Year Sharpe Ratio falls into.


CBAF
72GF Score
Citba Financial Corp CBAF
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Citba Financial 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 1.28 mean?
Citba Financial (CBAF) has a 1-Year Sharpe Ratio of 1.28 as of Jul. 15, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Citba Financial and its competitors.
Is Citba Financial's 1-Year Sharpe Ratio too high?
Citba Financial's current 1-Year Sharpe Ratio is 1.28. 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 1-Year Sharpe Ratio compare to LFGP and CEFC?
Citba Financial's 1-Year Sharpe Ratio of 1.28 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 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Citba Financial and its competitors. Citba Financial's current 1-Year Sharpe Ratio is 1.28. 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 $31.90, compared to a current price of $37.14 — trading 16.4% above its estimated fair value. The current 1-Year Sharpe Ratio is 1.28. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Citba Financial (CBAF), the current 1-Year Sharpe Ratio is 1.28 as of Jul. 15, 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 $37.14 is trading 16.4% above its estimated GF Value™ of $31.90. GuruFocus considers Citba Financial to be Modestly Overvalued.

Key valuation signals for CBAF:

  • 1-Year Sharpe Ratio: 1.28
  • GF Value™: $31.90 vs. price of $37.14 (16.4% 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

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.14
Price
$31.90
GF Value