Commercial Bank International PSC (ADX:CBI) Cyclically Adjusted Book per Share: د.إ1.76 (As of Mar. 2026)


ADX:CBI Commercial Bank International PSC ADX:CBI
24 GF Score
Price د.إ0.89
GF Value د.إ0.88
Valuation Fairly Valued
! 3 Warning Signs
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What is Commercial Bank International PSC Cyclically Adjusted Book per Share?

Commercial Bank International PSC ADX:CBI 24 Cyclically Adjusted Book per Share is د.إ1.76 as of Mar. 2026. GuruFocus rates ADX:CBI with a GF Score™ of 24/100 and a GF Value™ of د.إ0.88 (Fairly Valued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Commercial Bank International PSC's adjusted book value per share for the three months ended in Mar. 2026 was د.إ1.848. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is د.إ1.76 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Commercial Bank International PSC's average Cyclically Adjusted Book Growth Rate was 3.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 2.40% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Commercial Bank International PSC was 6.10% per year. The lowest was 2.40% per year. And the median was 4.70% per year.

As of today (2026-07-09), Commercial Bank International PSC's current stock price is د.إ0.89. Commercial Bank International PSC's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was د.إ1.76. Commercial Bank International PSC's Cyclically Adjusted PB Ratio of today is 0.51.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Commercial Bank International PSC was 1.66. The lowest was 0.34. And the median was 0.49.


Commercial Bank International PSC  (ADX:CBI) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Commercial Bank International PSC's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.89/1.76
=0.51

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Commercial Bank International PSC was 1.66. The lowest was 0.34. And the median was 0.49.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Commercial Bank International PSC Cyclically Adjusted Book per Share Related Terms


Commercial Bank International PSC Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Commercial Bank International PSC's Cyclically Adjusted Book per Share 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.

Commercial Bank International PSC Cyclically Adjusted Book per Share Chart

Commercial Bank International PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.50 1.60 1.65 1.68 1.72

Commercial Bank International PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 1.70 1.72 1.73 1.72 1.76

ADX:CBI vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Commercial Bank International PSC's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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.


Commercial Bank International PSC Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Commercial Bank International PSC's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Commercial Bank International PSC's Cyclically Adjusted PB Ratio falls into.


ADX:CBI
24GF Score
Commercial Bank International PSC ADX:CBI
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Commercial Bank International PSC Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Commercial Bank International PSC's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.848/330.2130*330.2130
=1.848

Current CPI (Mar. 2026) = 330.2130.

Commercial Bank International PSC Quarterly Data

Book Value per Share CPI Adj_Book
201606 1.332 241.018 1.825
201609 1.351 241.428 1.848
201612 1.352 241.432 1.849
201703 1.363 243.801 1.846
201706 0.000 244.955 0.000
201709 1.381 246.819 1.848
201712 1.296 246.524 1.736
201803 1.320 249.554 1.747
201806 1.312 251.989 1.719
201809 1.348 252.439 1.763
201812 1.367 251.233 1.797
201903 1.396 254.202 1.813
201906 1.408 256.143 1.815
201909 1.426 256.759 1.834
201912 1.423 256.974 1.829
202003 1.428 258.115 1.827
202006 1.432 257.797 1.834
202009 1.393 260.280 1.767
202012 1.398 260.474 1.772
202103 1.343 264.877 1.674
202106 0.000 271.696 0.000
202109 1.373 274.310 1.653
202112 1.465 278.802 1.735
202203 1.477 287.504 1.696
202206 1.457 296.311 1.624
202209 1.464 296.808 1.629
202212 1.494 296.797 1.662
202303 1.513 301.836 1.655
202306 1.539 305.109 1.666
202309 1.567 307.789 1.681
202312 1.584 306.746 1.705
202403 1.605 312.332 1.697
202406 1.624 314.175 1.707
202409 0.000 315.301 0.000
202412 1.686 315.605 1.764
202503 1.709 319.799 1.765
202506 1.727 322.561 1.768
202509 1.738 324.800 1.767
202512 1.823 324.054 1.858
202603 1.848 330.213 1.848

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of د.إ1.76 mean?
Commercial Bank International PSC (ADX:CBI) has a Cyclically Adjusted Book per Share of د.إ1.76 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Commercial Bank International PSC and its competitors.
Is Commercial Bank International PSC's Cyclically Adjusted Book per Share too high?
Commercial Bank International PSC's current Cyclically Adjusted Book per Share is د.إ1.76. Overall, Commercial Bank International PSC has a GF Score™ of 24/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Commercial Bank International PSC's Cyclically Adjusted Book per Share compare to PNC and USB?
Commercial Bank International PSC's Cyclically Adjusted Book per Share of د.إ1.76 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Commercial Bank International PSC and its competitors. Commercial Bank International PSC's current Cyclically Adjusted Book per Share is د.إ1.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commercial Bank International PSC stock overvalued right now?
Based on GuruFocus' analysis, Commercial Bank International PSC (ADX:CBI) is currently considered Fairly Valued. The stock's GF Value™ is د.إ0.88, compared to a current price of د.إ0.89 — trading 1.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ1.76. Commercial Bank International PSC's overall GF Score™ is 24/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Commercial Bank International PSC (ADX:CBI), the current Cyclically Adjusted Book per Share is د.إ1.76 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 Commercial Bank International PSC (ADX:CBI) Overvalued in 2026?

Based on GuruFocus' analysis, Commercial Bank International PSC stock appears to be overvalued. The current stock price of د.إ0.89 is trading 1.1% above its estimated GF Value™ of د.إ0.88. GuruFocus considers Commercial Bank International PSC to be Fairly Valued.

Key valuation signals for ADX:CBI:

  • Cyclically Adjusted Book per Share: د.إ1.76
  • GF Value™: د.إ0.88 vs. price of د.إ0.89 (1.1% above fair value)
  • GF Score™: 24/100 with 3 warning signs

No single metric tells the full story. See the ADX:CBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Commercial Bank International PSC Business Description

Address Ras Al-Khaimah, P.O. Box 793, Dubai, ARE
Commercial Bank International PSC provides banking services to companies and enterprising people in the UAE for their personal and professional financial needs. The company's operating segment includes Wholesale banking; Retail banking; Treasury; Real estate and Others. It generates majority of its revenue from the wholesale banking segment.
24GF Score

Get the complete analysis for ADX:CBI

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ0.89
Price
د.إ0.88
GF Value