United Arab Bank PJSC (ADX:UAB) Cyclically Adjusted Book per Share: د.إ1.22 (As of Mar. 2026)

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ADX:UAB United Arab Bank PJSC ADX:UAB
60 GF Score
Price د.إ1.34
GF Value د.إ1.25
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is United Arab Bank PJSC Cyclically Adjusted Book per Share?

United Arab Bank PJSC ADX:UAB 60 Cyclically Adjusted Book per Share is د.إ1.22 as of Mar. 2026. GuruFocus rates ADX:UAB with a GF Score™ of 60/100 and a GF Value™ of د.إ1.25 (Fairly Valued). The stock has 6 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.

United Arab Bank PJSC's adjusted book value per share for the three months ended in Mar. 2026 was د.إ1.242. 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.إ1.22 for the trailing ten years ended in Mar. 2026.

During the past 12 months, United Arab Bank PJSC's average Cyclically Adjusted Book Growth Rate was -3.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -4.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was -2.30% 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 United Arab Bank PJSC was -0.50% per year. The lowest was -4.10% per year. And the median was -1.50% per year.

As of today (2026-07-16), United Arab Bank PJSC's current stock price is د.إ1.34. United Arab Bank PJSC's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was د.إ1.22. United Arab Bank PJSC's Cyclically Adjusted PB Ratio of today is 1.10.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of United Arab Bank PJSC was 1.21. The lowest was 0.40. And the median was 0.66.


United Arab Bank PJSC  (ADX:UAB) 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.

United Arab Bank PJSC's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1.34/1.22
=1.10

* 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 United Arab Bank PJSC was 1.21. The lowest was 0.40. And the median was 0.66.


Be Aware

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


United Arab Bank PJSC Cyclically Adjusted Book per Share Related Terms


United Arab Bank PJSC Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for United Arab Bank PJSC'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.

United Arab Bank PJSC Cyclically Adjusted Book per Share Chart

United Arab Bank PJSC 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 1.37 1.37 1.33 1.27 1.21

United Arab Bank PJSC 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 1.26 1.25 1.23 1.21 1.22

United Arab Bank PJSC Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, United Arab Bank PJSC'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.


United Arab Bank PJSC Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, United Arab Bank PJSC's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where United Arab Bank PJSC's Cyclically Adjusted PB Ratio falls into.


ADX:UAB
60GF Score
United Arab Bank PJSC ADX:UAB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Arab Bank PJSC 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, United Arab Bank PJSC'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)
=1.242/330.2130*330.2130
=1.242

Current CPI (Mar. 2026) = 330.2130.

United Arab Bank PJSC Quarterly Data

Book Value per Share CPI Adj_Book
201606 1.484 241.018 2.033
201609 1.499 241.428 2.050
201612 1.171 241.432 1.602
201703 1.213 243.801 1.643
201706 1.225 244.955 1.651
201709 1.228 246.819 1.643
201712 1.215 246.524 1.627
201803 1.123 249.554 1.486
201806 1.122 251.989 1.470
201809 1.154 252.439 1.510
201812 1.120 251.233 1.472
201903 1.134 254.202 1.473
201906 1.155 256.143 1.489
201909 1.121 256.759 1.442
201912 0.957 256.974 1.230
202003 0.725 258.115 0.928
202006 0.785 257.797 1.006
202009 0.739 260.280 0.938
202012 0.644 260.474 0.816
202103 0.636 264.877 0.793
202106 0.663 271.696 0.806
202109 0.664 274.310 0.799
202112 0.670 278.802 0.794
202203 0.665 287.504 0.764
202206 0.621 296.311 0.692
202209 0.613 296.808 0.682
202212 0.664 296.797 0.739
202303 0.916 301.836 1.002
202306 0.943 305.109 1.021
202309 0.956 307.789 1.026
202312 1.014 306.746 1.092
202403 1.047 312.332 1.107
202406 1.068 314.175 1.123
202409 1.142 315.301 1.196
202412 1.130 315.605 1.182
202503 1.178 319.799 1.216
202506 1.232 322.561 1.261
202509 1.280 324.800 1.301
202512 1.303 324.054 1.328
202603 1.242 330.213 1.242

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.إ1.22 mean?
United Arab Bank PJSC (ADX:UAB) has a Cyclically Adjusted Book per Share of د.إ1.22 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 United Arab Bank PJSC and its competitors.
Is United Arab Bank PJSC's Cyclically Adjusted Book per Share too high?
United Arab Bank PJSC's current Cyclically Adjusted Book per Share is د.إ1.22. Overall, United Arab Bank PJSC has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Arab Bank PJSC's Cyclically Adjusted Book per Share compare to competitors?
United Arab Bank PJSC's Cyclically Adjusted Book per Share of د.إ1.22 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 United Arab Bank PJSC and its competitors. United Arab Bank PJSC's current Cyclically Adjusted Book per Share is د.إ1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Arab Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, United Arab Bank PJSC (ADX:UAB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.25, compared to a current price of د.إ1.34 — trading 7.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is د.إ1.22. United Arab Bank PJSC's overall GF Score™ is 60/100 with 6 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 United Arab Bank PJSC (ADX:UAB), the current Cyclically Adjusted Book per Share is د.إ1.22 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 United Arab Bank PJSC (ADX:UAB) Overvalued in 2026?

Based on GuruFocus' analysis, United Arab Bank PJSC stock appears to be overvalued. The current stock price of د.إ1.34 is trading 7.2% above its estimated GF Value™ of د.إ1.25. GuruFocus considers United Arab Bank PJSC to be Fairly Valued.

Key valuation signals for ADX:UAB:

  • Cyclically Adjusted Book per Share: د.إ1.22
  • GF Value™: د.إ1.25 vs. price of د.إ1.34 (7.2% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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


United Arab Bank PJSC Business Description

Address Al Majaz Street, P.O. Box 25022, Buhaira Corniche, Emirate of Sarjah, Sharjah, ARE
United Arab Bank PJSC provides financial services. The company is organized into three segments: Wholesale Banking, Retail Banking, and Treasury and capital markets. Wholesale banking handles loans and other credit facilities and deposits and current accounts for corporate and institutional customers. Retail banking handles individual customers' deposits and provides consumer-type loans, overdrafts, credit card facilities, and funds transfer facilities and Treasury and capital markets engaged in investments and interbank treasury operations including transactions for foreign exchange, derivatives, margin FX and hedging strategies Islamic banking services, and others.
60GF Score

Get the complete analysis for ADX:UAB

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

د.إ1.34
Price
د.إ1.25
GF Value