BKPKF (Bank Polska Kasa Opieki) Cyclically Adjusted Book per Share: $36.05 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BKPKF Bank Polska Kasa Opieki SA BKPKF
72 GF Score
Price $70.19
GF Value $50.69
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Bank Polska Kasa Opieki Cyclically Adjusted Book per Share?

Bank Polska Kasa Opieki BKPKF 72 Cyclically Adjusted Book per Share is $36.05 as of Jun. 2026. GuruFocus rates BKPKF with a GF Score™ of 72/100 and a GF Value™ of $50.69 (Significantly Overvalued). The stock has 9 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.

Bank Polska Kasa Opieki's adjusted book value per share for the three months ended in Jun. 2026 was $33.926. 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 $36.05 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Bank Polska Kasa Opieki's average Cyclically Adjusted Book Growth Rate was 2.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 2.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.30% 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 Bank Polska Kasa Opieki was 9.10% per year. The lowest was 2.90% per year. And the median was 7.85% per year.

As of today (2026-08-22), Bank Polska Kasa Opieki's current stock price is $70.19. Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $36.05. Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio of today is 1.95.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank Polska Kasa Opieki was 2.01. The lowest was 0.45. And the median was 1.10.


Bank Polska Kasa Opieki  (OTCPK:BKPKF) 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.

Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=70.19/36.05
=1.95

* 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 Bank Polska Kasa Opieki was 2.01. The lowest was 0.45. And the median was 1.10.


Be Aware

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


Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Related Terms


Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Bank Polska Kasa Opieki'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.

Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Chart

Bank Polska Kasa Opieki 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 23.96 19.84 27.69 28.23 35.34

Bank Polska Kasa Opieki 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 33.64 37.47 35.34 33.25 36.05

BKPKF vs PNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Bank Polska Kasa Opieki'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.


Bank Polska Kasa Opieki Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio falls into.


BKPKF
72GF Score
Bank Polska Kasa Opieki SA BKPKF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Polska Kasa Opieki 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, Bank Polska Kasa Opieki'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)
=33.926/162.2800*162.2800
=33.926

Current CPI (Jun. 2026) = 162.2800.

Bank Polska Kasa Opieki Quarterly Data

Book Value per Share CPI Adj_Book
201609 23.446 99.064 38.408
201612 23.624 100.366 38.197
201703 24.126 101.018 38.757
201706 22.383 101.180 35.899
201709 22.960 101.343 36.766
201712 24.007 102.564 37.985
201803 23.741 102.564 37.564
201806 22.122 103.378 34.726
201809 22.687 103.378 35.613
201812 23.521 103.785 36.778
201903 23.817 104.274 37.066
201906 22.770 105.983 34.865
201909 23.536 105.983 36.038
201912 24.129 107.123 36.553
202003 24.525 109.076 36.488
202006 25.452 109.402 37.754
202009 25.937 109.320 38.502
202012 26.293 109.565 38.944
202103 26.096 112.658 37.590
202106 26.365 113.960 37.544
202109 25.781 115.588 36.195
202112 24.609 119.088 33.534
202203 24.229 125.031 31.447
202206 22.189 131.705 27.340
202209 21.602 135.531 25.865
202212 23.486 139.113 27.397
202303 25.943 145.950 28.846
202306 26.779 147.009 29.561
202309 29.223 146.113 32.456
202312 31.382 147.741 34.470
202403 32.676 149.044 35.578
202406 29.107 150.997 31.282
202409 31.618 153.439 33.440
202412 32.914 154.660 34.536
202503 35.055 157.021 36.229
202506 32.138 157.509 33.111
202509 34.258 158.000 35.186
202512 36.471 158.320 37.383
202603 37.170 163.070 36.990
202606 33.926 162.280 33.926

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 $36.05 mean?
Bank Polska Kasa Opieki (BKPKF) has a Cyclically Adjusted Book per Share of $36.05 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 Bank Polska Kasa Opieki and its competitors.
Is Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share too high?
Bank Polska Kasa Opieki's current Cyclically Adjusted Book per Share is $36.05. Overall, Bank Polska Kasa Opieki has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share compare to PNC?
Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share of $36.05 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 Bank Polska Kasa Opieki and its competitors. Bank Polska Kasa Opieki's current Cyclically Adjusted Book per Share is $36.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki (BKPKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $50.69, compared to a current price of $70.19 — trading 38.5% above its estimated fair value. The current Cyclically Adjusted Book per Share is $36.05. Bank Polska Kasa Opieki's overall GF Score™ is 72/100 with 9 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 Bank Polska Kasa Opieki (BKPKF), the current Cyclically Adjusted Book per Share is $36.05 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 Bank Polska Kasa Opieki (BKPKF) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued. The current stock price of $70.19 is trading 38.5% above its estimated GF Value™ of $50.69. GuruFocus considers Bank Polska Kasa Opieki to be Significantly Overvalued.

Key valuation signals for BKPKF:

  • Cyclically Adjusted Book per Share: $36.05
  • GF Value™: $50.69 vs. price of $70.19 (38.5% above fair value)
  • GF Score™: 72/100 with 9 warning signs

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


Bank Polska Kasa Opieki Business Description

Address Zubra Street 1, Warsaw, POL, 01-066
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
72GF Score

Get the complete analysis for BKPKF

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

$70.19
Price
$50.69
GF Value