CBAF (Citba Financial) Tariff Resilience Score: 9/10 (As of Jun. 28, 2026)


CBAF Citba Financial Corp CBAF
68 GF Score
Price $38.56
GF Value $31.95
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Citba Financial Tariff Resilience Score?

Citba Financial CBAF 68 Tariff Resilience Score is 9 as of Jun. 28, 2026. 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 1,610 Banks companies, Citba Financial ranks better than 99.25% on this metric.

Citba Financial has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Citba Financial has Minimal tariff exposure due to domestic banking operations. No significant global supply chain dependencies or import/export activities. Historical tariff changes have not impacted financial services, and industry-specific exemptions are not needed.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Citba Financial might have Highly Resilient.

Citba Financial  (OTCPK:CBAF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Citba Financial Tariff Resilience Score Related Terms

CBAF vs MVLY, PGNN, INFT: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Citba Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Citba Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Citba Financial's Tariff Resilience Score falls into.


CBAF
68GF Score
Citba Financial Corp CBAF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Citba Financial (CBAF) has a Tariff Resilience Score of 9 as of Jun. 28, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Citba Financial ranks #12 out of 1610 companies in the Banks industry, placing it in the top 0.7%.
Is Citba Financial's Tariff Resilience Score too high?
Citba Financial's current Tariff Resilience Score is 9. Based on the distribution chart, Citba Financial ranks #12 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #12 out of 1610 companies for Tariff Resilience Score. This places Citba Financial in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Citba Financial's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Citba Financial (CBAF), the current Tariff Resilience Score is 9 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:

  • Tariff Resilience Score: 9
  • GF Value™: $31.95 vs. price of $38.56 (20.7% above fair value)
  • GF Score™: 68/100 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.
68GF Score

Get the complete analysis for CBAF

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$38.56
Price
$31.95
GF Value