Citba FinancialCBAF +0.03%68 5-Year Yield-on-Cost % is 3.95 as of Jul. 05, 2026, which is 22% above its 10-year median of 3.25. GuruFocus rates CBAF with a GF Score™ of 68/100 and a GF Value™ of $31.83 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,251 Banks companies, Citba Financial ranks better than 50.52% on this metric.
Citba Financial's yield on cost for the quarter that ended in Mar. 2026 was 3.95.
The historical rank and industry rank for Citba Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
CBAF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.38 Med: 3.25 Max: 6.35
Current: 3.95
During the past 13 years, Citba Financial's highest Yield on Cost was 6.35. The lowest was 1.38. And the median was 3.25.
CBAF's 5-Year Yield-on-Cost % is ranked better than 50.52% of 1251
companies
in the Banks industry
Industry Median: 3.93
vs CBAF: 3.95
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Citba Financial 5-Year Yield-on-Cost % Related Terms
CBAF vs LFGP, CEFC, FMFG: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Citba Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Citba Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Citba Financial is calculated as
Citba Financial (CBAF) has a 5-Year Yield-on-Cost % of 3.95 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citba Financial and its competitors. This is 22% above median its historical median of 3.25. Over the past decade, Citba Financial's 5-Year Yield-on-Cost % has ranged from 1.38 to 6.35. According to the industry distribution chart, Citba Financial ranks #619 out of 1251 companies in the Banks industry, placing it in the top 49.5%.
Is Citba Financial's 5-Year Yield-on-Cost % too high?
Citba Financial's current 5-Year Yield-on-Cost % of 3.95 is 22% above median its 10-year median of 3.25. Over the past 10 years, this metric has ranged from a low of 1.38 to a high of 6.35. The Banks industry median 5-Year Yield-on-Cost % is 3.93. Citba Financial's value of 3.95 is 0.5% above this industry median. Based on the distribution chart, Citba Financial ranks #619 out of 1251 companies in the Banks industry, which is above 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 5-Year Yield-on-Cost % compare to LFGP and CEFC?
According to the Banks industry distribution chart, Citba Financial ranks #619 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Citba Financial in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.93. Citba Financial's value of 3.95 is 0.5% above this benchmark. Historically, Citba Financial's own 5-Year Yield-on-Cost % has ranged from 1.38 to 6.35 over the past decade. While the company's 10-year median is 3.25 vs. the industry median of 3.93, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.93, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current 5-Year Yield-on-Cost % of 3.95 is 0.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Citba Financial and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current 5-Year Yield-on-Cost % is 3.95, which is 22% above median its own 10-year median of 3.25. 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 $31.83, compared to a current price of $37.51 — trading 17.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.95, which is 22% above median its 10-year median of 3.25 and 0.5% above the Banks industry median of 3.93. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Citba Financial (CBAF), the current 5-Year Yield-on-Cost % is 3.95 as of Jul. 05, 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 $37.51 is trading 17.8% above its estimated GF Value™ of $31.83.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
5-Year Yield-on-Cost %: 3.95 (22% above median its 10-year median of 3.25)
GF Value™: $31.83 vs. price of $37.51 (17.8% above fair value)
Industry Position: 0.5% above the Banks median (#619 of 1251)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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