FGFH (Foresight Financial Group) Cyclically Adjusted Book per Share: $43.81 (As of Mar. 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.

FGFH Foresight Financial Group FGFH
56 GF Score
Price $50.50
GF Value $34.29
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Foresight Financial Group Cyclically Adjusted Book per Share?

Foresight Financial Group FGFH 56 Cyclically Adjusted Book per Share is $43.81 as of Mar. 2026. GuruFocus rates FGFH with a GF Score™ of 56/100 and a GF Value™ of $34.29 (Significantly Overvalued). 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.

Foresight Financial Group's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was $47.216. 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 $43.81 for the trailing ten years ended in Dec. 2025.

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 (2026-07-31), Foresight Financial Group's current stock price is $ 50.50. Foresight Financial Group's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was $43.81. Foresight Financial Group's Cyclically Adjusted PB Ratio of today is 1.15.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Foresight Financial Group was 1.15. The lowest was 0.72. And the median was 0.81.


Foresight Financial Group  (OTCPK:FGFH) 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.

Foresight Financial Group's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=50.50/43.81
=1.15

* 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 12 years, the highest Cyclically Adjusted PB Ratio of Foresight Financial Group was 1.15. The lowest was 0.72. And the median was 0.81.


Be Aware

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


Foresight Financial Group Cyclically Adjusted Book per Share Related Terms


Foresight Financial Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Foresight Financial Group'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.

Foresight Financial Group Cyclically Adjusted Book per Share Chart

Foresight Financial Group Annual Data
Trend Dec06 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 36.85 40.15 43.81

Foresight Financial Group Quarterly Data
Sep07 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Mar23 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 0.00 0.00 43.81 0.00 0.00

FGFH vs CBFV, ARBV, CPKF: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Foresight Financial Group'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.


Foresight Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Foresight Financial Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Foresight Financial Group's Cyclically Adjusted PB Ratio falls into.


FGFH
56GF Score
Foresight Financial Group FGFH
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Foresight Financial Group 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, Foresight Financial Group's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=47.216/324.0540*324.0540
=47.216

Current CPI (Dec. 2025) = 324.0540.

Foresight Financial Group Annual Data

Book Value per Share CPI Adj_Book
200612 14.632 201.800 23.496
201712 32.954 246.524 43.318
201812 35.217 251.233 45.425
201912 39.517 256.974 49.832
202012 43.184 260.474 53.725
202112 43.579 278.802 50.652
202212 35.719 296.797 38.999
202312 39.446 306.746 41.672
202412 42.634 315.605 43.775
202512 47.216 324.054 47.216

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 $43.81 mean?
Foresight Financial Group (FGFH) has a Cyclically Adjusted Book per Share of $43.81 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 Foresight Financial Group and its competitors.
Is Foresight Financial Group's Cyclically Adjusted Book per Share too high?
Foresight Financial Group's current Cyclically Adjusted Book per Share is $43.81. Overall, Foresight Financial Group has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Foresight Financial Group's Cyclically Adjusted Book per Share compare to CBFV and ARBV?
Foresight Financial Group's Cyclically Adjusted Book per Share of $43.81 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 Foresight Financial Group and its competitors. Foresight Financial Group's current Cyclically Adjusted Book per Share is $43.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foresight Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Foresight Financial Group (FGFH) is currently considered Significantly Overvalued. The stock's GF Value™ is $34.29, compared to a current price of $50.50 — trading 47.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is $43.81. Foresight Financial Group's overall GF Score™ is 56/100 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 Foresight Financial Group (FGFH), the current Cyclically Adjusted Book per Share is $43.81 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 Foresight Financial Group (FGFH) Overvalued in 2026?

Based on GuruFocus' analysis, Foresight Financial Group stock appears to be overvalued. The current stock price of $50.50 is trading 47.3% above its estimated GF Value™ of $34.29. GuruFocus considers Foresight Financial Group to be Significantly Overvalued.

Key valuation signals for FGFH:

  • Cyclically Adjusted Book per Share: $43.81
  • GF Value™: $34.29 vs. price of $50.50 (47.3% above fair value)
  • GF Score™: 56/100 with 5 warning signs

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


Foresight Financial Group Business Description

Address 809 Cannell-Puri Court, P.O. Box 339, Suite 5, Winnebago, IL, USA, 61088
Foresight Financial Group is a bank holding company. Its primary deposit products are demand deposits and certificates of deposit and its primary lending products are agriculture, agribusiness, commercial, real estate, and Installment loans.
56GF Score

Get the complete analysis for FGFH

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

$50.50
Price
$34.29
GF Value