CBAF (Citba Financial) Total Payout Ratio: 0.00 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CBAF Citba Financial Corp CBAF
72 GF Score
Price $37.40
GF Value $31.90
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Citba Financial Total Payout Ratio?

Citba Financial CBAF -0.70% 72 Total Payout Ratio is 0.00 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.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Citba Financial's current Total Payout Ratio is 0.00.

Citba Financial Total Payout Ratio Related Terms

Citba Financial Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Citba Financial's Total Payout 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.

Citba Financial Total Payout Ratio Chart

Citba Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.63 0.63 0.36 0.83 0.25

Citba Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Payout Ratio 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 0.00 0.00 0.00 0.00 0.00

CBAF vs LFGP, CEFC, FMFG: Total Payout Ratio Comparison

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

For the Banks industry and Financial Services sector, Citba Financial's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where Citba Financial's Total Payout Ratio falls into.


CBAF
72GF Score
Citba Financial Corp CBAF
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citba Financial Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Citba Financial's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.343 + 0 + -1.38) / 6.779
=0.25

Citba Financial's Total Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (0 + 0 + 0) / 1.699
=0.00

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.00 mean?
Citba Financial (CBAF) has a Total Payout Ratio of 0.00 as of Jul. 15, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Citba Financial and its competitors.
Is Citba Financial's Total Payout Ratio too high?
Citba Financial's current Total Payout Ratio is 0.00. 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 Total Payout Ratio compare to LFGP and CEFC?
Citba Financial's Total Payout Ratio of 0.00 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Citba Financial and its competitors. Citba Financial's current Total Payout Ratio is 0.00. 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 $37.40 — trading 17.2% above its estimated fair value. The current Total Payout Ratio is 0.00. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Citba Financial (CBAF), the current Total Payout Ratio is 0.00 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 $37.40 is trading 17.2% above its estimated GF Value™ of $31.90. GuruFocus considers Citba Financial to be Modestly Overvalued.

Key valuation signals for CBAF:

  • Total Payout Ratio: 0.00
  • GF Value™: $31.90 vs. price of $37.40 (17.2% 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

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

$37.40
Price
$31.90
GF Value