The Housing Bank for Trade & Finance (AMM:THBK) Cyclically Adjusted Book per Share: JOD (As of Jun. 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.

AMM:THBK The Housing Bank for Trade & Finance AMM:THBK
74 GF Score
Price JOD4.99
GF Value JOD3.91
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is The Housing Bank for Trade & Finance Cyclically Adjusted Book per Share?

The Housing Bank for Trade & Finance AMM:THBK -0.20% 74 Cyclically Adjusted Book per Share is JOD as of Jun. 2026. GuruFocus rates AMM:THBK with a GF Score™ of 74/100 and a GF Value™ of JOD3.91 (Modestly Overvalued). The stock has 7 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.

The Housing Bank for Trade & Finance's adjusted book value per share for the three months ended in Jun. 2026 was JOD4.680. 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 JOD for the trailing ten years ended in Jun. 2026.

During the past 12 months, The Housing Bank for Trade & Finance's average Cyclically Adjusted Book Growth Rate was 4.30% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was -14.80% 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 The Housing Bank for Trade & Finance was -14.80% per year. The lowest was -17.10% per year. And the median was -15.95% per year.

As of today (2026-09-20), The Housing Bank for Trade & Finance's current stock price is JOD4.99. The Housing Bank for Trade & Finance's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was JOD. The Housing Bank for Trade & Finance's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of The Housing Bank for Trade & Finance was 1.15. The lowest was 0.40. And the median was 0.67.


The Housing Bank for Trade & Finance  (AMM:THBK) 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of The Housing Bank for Trade & Finance was 1.15. The lowest was 0.40. And the median was 0.67.


Be Aware

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


The Housing Bank for Trade & Finance Cyclically Adjusted Book per Share Related Terms


The Housing Bank for Trade & Finance Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for The Housing Bank for Trade & Finance'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.

The Housing Bank for Trade & Finance Cyclically Adjusted Book per Share Chart

The Housing Bank for Trade & Finance 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 - - - - -

The Housing Bank for Trade & Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 - - - - -

The Housing Bank for Trade & Finance Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, The Housing Bank for Trade & Finance'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.


The Housing Bank for Trade & Finance Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, The Housing Bank for Trade & Finance's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where The Housing Bank for Trade & Finance's Cyclically Adjusted PB Ratio falls into.


AMM:THBK
74GF Score
The Housing Bank for Trade & Finance AMM:THBK
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Housing Bank for Trade & Finance 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, The Housing Bank for Trade & Finance's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=4.68/333.9520*333.9520
=4.680

Current CPI (Jun. 2026) = 333.9520.

The Housing Bank for Trade & Finance Quarterly Data

Book Value per Share CPI Adj_Book
201609 3.293 241.428 4.555
201612 3.365 241.432 4.655
201703 3.469 243.801 4.752
201706 3.342 244.955 4.556
201709 3.428 246.819 4.638
201712 3.544 246.524 4.801
201803 3.465 249.554 4.637
201806 3.318 251.989 4.397
201809 3.400 252.439 4.498
201812 3.429 251.233 4.558
201903 3.522 254.202 4.627
201906 3.411 256.143 4.447
201909 3.509 256.759 4.564
201912 3.568 256.974 4.637
202003 3.576 258.115 4.627
202006 3.611 257.797 4.678
202009 3.651 260.280 4.684
202012 3.688 260.474 4.728
202103 3.757 264.877 4.737
202106 3.712 271.696 4.563
202109 3.781 274.310 4.603
202112 3.863 278.802 4.627
202203 3.721 287.504 4.322
202206 3.761 296.311 4.239
202209 3.837 296.808 4.317
202212 3.997 296.797 4.497
202303 4.108 301.836 4.545
202306 3.999 305.109 4.377
202309 4.094 307.789 4.442
202312 4.215 306.746 4.589
202403 4.331 312.332 4.631
202406 4.207 314.175 4.472
202409 4.386 315.301 4.645
202412 4.456 315.605 4.715
202503 4.598 319.799 4.801
202506 4.472 322.561 4.630
202509 4.607 324.800 4.737
202512 4.724 324.054 4.868
202603 4.848 330.213 4.903
202606 4.680 333.952 4.680

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 JOD mean?
The Housing Bank for Trade & Finance (AMM:THBK) has a Cyclically Adjusted Book per Share of JOD as of Jun. 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 The Housing Bank for Trade & Finance and its competitors.
Is The Housing Bank for Trade & Finance's Cyclically Adjusted Book per Share too high?
The Housing Bank for Trade & Finance's current Cyclically Adjusted Book per Share is JOD. Overall, The Housing Bank for Trade & Finance has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Housing Bank for Trade & Finance's Cyclically Adjusted Book per Share compare to competitors?
The Housing Bank for Trade & Finance's Cyclically Adjusted Book per Share of JOD 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 The Housing Bank for Trade & Finance and its competitors. The Housing Bank for Trade & Finance's current Cyclically Adjusted Book per Share is JOD. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Housing Bank for Trade & Finance stock overvalued right now?
Based on GuruFocus' analysis, The Housing Bank for Trade & Finance (AMM:THBK) is currently considered Modestly Overvalued. The stock's GF Value™ is JOD3.91, compared to a current price of JOD4.99 — trading 27.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is JOD. The Housing Bank for Trade & Finance's overall GF Score™ is 74/100 with 7 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 The Housing Bank for Trade & Finance (AMM:THBK), the current Cyclically Adjusted Book per Share is JOD as of Jun. 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 The Housing Bank for Trade & Finance (AMM:THBK) Overvalued in 2026?

Based on GuruFocus' analysis, The Housing Bank for Trade & Finance stock appears to be overvalued. The current stock price of JOD4.99 is trading 27.6% above its estimated GF Value™ of JOD3.91. GuruFocus considers The Housing Bank for Trade & Finance to be Modestly Overvalued.

Key valuation signals for AMM:THBK:

  • Cyclically Adjusted Book per Share: JOD
  • GF Value™: JOD3.91 vs. price of JOD4.99 (27.6% above fair value)
  • GF Score™: 74/100 with 7 warning signs

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


The Housing Bank for Trade & Finance Business Description

Address Prince Shaker Bin Zaid Street, Al-Shumaysani, PO Box 7693, Amman, JOR, 11118
The Housing Bank for Trade & Finance is a commercial banking setup based in Jordan. Its operating segments include Retail Banking, Corporate, Corporate Finance, Treasury, and Others. The Retail Banking segment, which generates maximum revenue, includes accepting deposits from individual customers and small businesses and granting loans, credit cards, and other services. Its Corporate segment includes following up on deposits, credit facilities, and other banking services for institutional and corporate clients; the Corporate Finance segment relates to arranging structured finance and providing services relating to privatizations, IPOs, mergers, and acquisitions; and the Treasury segment provides trading and treasury services and management of the bank's funds in money and capital markets.
74GF Score

Get the complete analysis for AMM:THBK

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

JOD4.99
Price
JOD3.91
GF Value