FBPA (Farmers Bank of Appomattox) Cyclically Adjusted Book per Share: $35.58 (As of Mar. 2026)

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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.
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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.

FBPA Farmers Bank of Appomattox FBPA
66 GF Score
Price $30.18
GF Value $28.32
Valuation Fairly Valued
! 5 Warning Signs
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What is Farmers Bank of Appomattox Cyclically Adjusted Book per Share?

Farmers Bank of Appomattox FBPA 66 Cyclically Adjusted Book per Share is $35.58 as of Mar. 2026. GuruFocus rates FBPA with a GF Score™ of 66/100 and a GF Value™ of $28.32 (Fairly Valued). The stock has 5 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.

Farmers Bank of Appomattox's adjusted book value per share for the three months ended in Mar. 2026 was $35.177. 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 $35.58 for the trailing ten years ended in Mar. 2026.

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.

As of today (2026-07-15), Farmers Bank of Appomattox's current stock price is $30.18. Farmers Bank of Appomattox's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $35.58. Farmers Bank of Appomattox's Cyclically Adjusted PB Ratio of today is 0.85.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Farmers Bank of Appomattox was 0.89. The lowest was 0.70. And the median was 0.77.


Farmers Bank of Appomattox  (OTCPK:FBPA) 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.

Farmers Bank of Appomattox's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=30.18/35.58
=0.85

* 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 Farmers Bank of Appomattox was 0.89. The lowest was 0.70. And the median was 0.77.


Be Aware

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


Farmers Bank of Appomattox Cyclically Adjusted Book per Share Related Terms


Farmers Bank of Appomattox Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Farmers Bank of Appomattox'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.

Farmers Bank of Appomattox Cyclically Adjusted Book per Share Chart

Farmers Bank of Appomattox 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 0.00 0.00 0.00 0.00 34.90

Farmers Bank of Appomattox 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 0.00 34.62 34.95 34.90 35.58

FBPA vs WOBK, RBNK, JFWV: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Farmers Bank of Appomattox'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.


Farmers Bank of Appomattox Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Farmers Bank of Appomattox's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Farmers Bank of Appomattox's Cyclically Adjusted PB Ratio falls into.


FBPA
66GF Score
Farmers Bank of Appomattox FBPA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Farmers Bank of Appomattox 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, Farmers Bank of Appomattox'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)
=35.177/330.2130*330.2130
=35.177

Current CPI (Mar. 2026) = 330.2130.

Farmers Bank of Appomattox Quarterly Data

Book Value per Share CPI Adj_Book
201506 24.677 238.638 34.147
201509 0.000 237.945 0.000
201512 25.751 236.525 35.951
201609 27.457 241.428 37.554
201612 26.974 241.432 36.893
201703 0.000 243.801 0.000
201712 28.097 246.524 37.635
201803 27.816 249.554 36.806
201806 0.000 251.989 0.000
201809 0.000 252.439 0.000
201812 28.899 251.233 37.984
201903 29.399 254.202 38.190
201906 30.193 256.143 38.924
201909 30.502 256.759 39.228
201912 30.994 256.974 39.827
202003 30.388 258.115 38.876
202006 0.000 257.797 0.000
202009 32.542 260.280 41.286
202012 33.418 260.474 42.365
202103 32.415 264.877 40.411
202106 33.760 271.696 41.031
202109 34.063 274.310 41.005
202112 34.853 278.802 41.280
202203 29.826 287.504 34.257
202206 26.543 296.311 29.580
202209 24.117 296.808 26.831
202212 25.644 296.797 28.531
202303 27.052 301.836 29.595
202306 0.000 305.109 0.000
202309 25.685 307.789 27.556
202312 30.105 306.746 32.408
202403 29.339 312.332 31.019
202406 29.885 314.175 31.411
202409 32.014 315.301 33.528
202412 31.375 315.605 32.827
202503 32.070 319.799 33.114
202506 32.244 322.561 33.009
202509 34.425 324.800 34.999
202512 35.925 324.054 36.608
202603 35.177 330.213 35.177

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 $35.58 mean?
Farmers Bank of Appomattox (FBPA) has a Cyclically Adjusted Book per Share of $35.58 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 Farmers Bank of Appomattox and its competitors.
Is Farmers Bank of Appomattox's Cyclically Adjusted Book per Share too high?
Farmers Bank of Appomattox's current Cyclically Adjusted Book per Share is $35.58. Overall, Farmers Bank of Appomattox has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers Bank of Appomattox's Cyclically Adjusted Book per Share compare to WOBK and RBNK?
Farmers Bank of Appomattox's Cyclically Adjusted Book per Share of $35.58 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 Farmers Bank of Appomattox and its competitors. Farmers Bank of Appomattox's current Cyclically Adjusted Book per Share is $35.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers Bank of Appomattox stock overvalued right now?
Based on GuruFocus' analysis, Farmers Bank of Appomattox (FBPA) is currently considered Fairly Valued. The stock's GF Value™ is $28.32, compared to a current price of $30.18 — trading 6.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is $35.58. Farmers Bank of Appomattox's overall GF Score™ is 66/100 with 5 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 Farmers Bank of Appomattox (FBPA), the current Cyclically Adjusted Book per Share is $35.58 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 Farmers Bank of Appomattox (FBPA) Overvalued in 2026?

Based on GuruFocus' analysis, Farmers Bank of Appomattox stock appears to be overvalued. The current stock price of $30.18 is trading 6.6% above its estimated GF Value™ of $28.32. GuruFocus considers Farmers Bank of Appomattox to be Fairly Valued.

Key valuation signals for FBPA:

  • Cyclically Adjusted Book per Share: $35.58
  • GF Value™: $28.32 vs. price of $30.18 (6.6% above fair value)
  • GF Score™: 66/100 with 5 warning signs

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


Farmers Bank of Appomattox Business Description

Address 223 Main Street, Appomattox, VA, USA, 24522
Farmers Bank of Appomattox provides banking services. The company is engaged in personal and business banking services, including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.
66GF Score

Get the complete analysis for FBPA

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

$30.18
Price
$28.32
GF Value