Chongqing Rural Commercial Bank Co (FRA:C3B) Cyclically Adjusted Book per Share: €1.05 (As of Dec. 2025)


FRA:C3B Chongqing Rural Commercial Bank Co Ltd FRA:C3B
60 GF Score
Price €0.65
GF Value €0.49
! 4 Warning Signs
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What is Chongqing Rural Commercial Bank Co Cyclically Adjusted Book per Share?

Chongqing Rural Commercial Bank Co FRA:C3B +1.57% 60 Cyclically Adjusted Book per Share is €1.05 as of Dec. 2025. GuruFocus rates FRA:C3B with a GF Score™ of 60/100 and a GF Value™ of €0.49. The stock has 4 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.

Chongqing Rural Commercial Bank Co's adjusted book value per share for the three months ended in Dec. 2025 was €1.469. 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 €1.05 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Chongqing Rural Commercial Bank Co's average Cyclically Adjusted Book Growth Rate was 13.30% 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.

As of today (2026-07-06), Chongqing Rural Commercial Bank Co's current stock price is €0.645. Chongqing Rural Commercial Bank Co's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was €1.05. Chongqing Rural Commercial Bank Co's Cyclically Adjusted PB Ratio of today is 0.61.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Chongqing Rural Commercial Bank Co was 0.79. The lowest was 0.54. And the median was 0.67.


Chongqing Rural Commercial Bank Co  (FRA:C3B) 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.

Chongqing Rural Commercial Bank Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=0.645/1.05
=0.61

* 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 Chongqing Rural Commercial Bank Co was 0.79. The lowest was 0.54. 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.


Chongqing Rural Commercial Bank Co Cyclically Adjusted Book per Share Related Terms


Chongqing Rural Commercial Bank Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Chongqing Rural Commercial Bank Co'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.

Chongqing Rural Commercial Bank Co Cyclically Adjusted Book per Share Chart

Chongqing Rural Commercial Bank Co 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 0.98 1.05

Chongqing Rural Commercial Bank Co Quarterly Data
Dec19 Mar20 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 0.98 1.03 0.98 0.97 1.05

Chongqing Rural Commercial Bank Co Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Chongqing Rural Commercial Bank Co'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.


Chongqing Rural Commercial Bank Co Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Chongqing Rural Commercial Bank Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Chongqing Rural Commercial Bank Co's Cyclically Adjusted PB Ratio falls into.


FRA:C3B
60GF Score
Chongqing Rural Commercial Bank Co Ltd FRA:C3B
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Chongqing Rural Commercial Bank Co 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, Chongqing Rural Commercial Bank Co's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=1.469/115.8300*115.8300
=1.469

Current CPI (Dec. 2025) = 115.8300.

Chongqing Rural Commercial Bank Co Quarterly Data

Book Value per Share CPI Adj_Book
201206 0.396 93.495 0.491
201212 0.419 95.237 0.510
201306 0.446 95.984 0.538
201312 0.468 97.624 0.555
201406 0.485 98.200 0.572
201412 0.584 99.000 0.683
201506 0.671 99.500 0.781
201512 0.716 100.600 0.824
201606 0.715 101.400 0.817
201609 0.000 102.400 0.000
201612 0.775 102.600 0.875
201706 0.781 103.100 0.877
201709 0.791 104.100 0.880
201712 0.816 104.500 0.904
201806 0.880 104.900 0.972
201809 0.000 106.600 0.000
201812 0.903 106.500 0.982
201903 0.000 107.700 0.000
201906 0.956 107.700 1.028
201909 0.864 109.800 0.911
201912 0.997 111.200 1.039
202003 1.039 112.300 1.072
202006 1.002 110.400 1.051
202012 1.037 111.500 1.077
202106 1.103 111.769 1.143
202112 1.284 113.108 1.315
202206 1.369 114.558 1.384
202212 1.356 115.116 1.364
202303 1.404 115.116 1.413
202306 1.343 114.558 1.358
202309 1.368 115.339 1.374
202312 1.382 114.781 1.395
202403 0.000 115.227 0.000
202406 1.436 114.781 1.449
202409 1.464 115.785 1.465
202412 1.526 114.893 1.538
202503 1.504 115.116 1.513
202506 1.459 114.907 1.471
202509 1.453 115.470 1.458
202512 1.469 115.830 1.469

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 €1.05 mean?
Chongqing Rural Commercial Bank Co (FRA:C3B) has a Cyclically Adjusted Book per Share of €1.05 as of Dec. 2025. 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 Chongqing Rural Commercial Bank Co and its competitors.
Is Chongqing Rural Commercial Bank Co's Cyclically Adjusted Book per Share too high?
Chongqing Rural Commercial Bank Co's current Cyclically Adjusted Book per Share is €1.05. Overall, Chongqing Rural Commercial Bank Co has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Chongqing Rural Commercial Bank Co's Cyclically Adjusted Book per Share compare to competitors?
Chongqing Rural Commercial Bank Co's Cyclically Adjusted Book per Share of €1.05 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 Chongqing Rural Commercial Bank Co and its competitors. Chongqing Rural Commercial Bank Co's current Cyclically Adjusted Book per Share is €1.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chongqing Rural Commercial Bank Co stock overvalued right now?
Chongqing Rural Commercial Bank Co (FRA:C3B) has a current Cyclically Adjusted Book per Share of €1.05. The stock's GF Value™ is €0.49, compared to a current price of €0.65 — trading 31.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is €1.05. Chongqing Rural Commercial Bank Co's overall GF Score™ is 60/100 with 4 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 Chongqing Rural Commercial Bank Co (FRA:C3B), the current Cyclically Adjusted Book per Share is €1.05 as of Dec. 2025. 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 Chongqing Rural Commercial Bank Co (FRA:C3B) Overvalued in 2026?

Based on GuruFocus' analysis, Chongqing Rural Commercial Bank Co stock appears to be overvalued. The current stock price of €0.65 is trading 31.6% above its estimated GF Value™ of €0.49.

Key valuation signals for FRA:C3B:

  • Cyclically Adjusted Book per Share: €1.05
  • GF Value™: €0.49 vs. price of €0.65 (31.6% above fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the FRA:C3B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Chongqing Rural Commercial Bank Co Business Description

Other Exchanges 03618:Hong Kong601077:China
Address No. 36 Jinshamen Road, Jiangbei District, Chongqing, CHN, 400023
Chongqing Rural Commercial Bank Co Ltd provides a range of banking and related services in China. The company operates in three segments: Corporate banking, which includes corporate loans, trade financing, deposit takings, financial leasing, and other services; Personal banking segment includes personal loans, deposit products, card business, personal wealth management services, and other services; and Financial market operations, which conducts money market or repurchase transactions and debt instruments investment. Its geographical segments are the County Area and Urban Area.
60GF Score

Get the complete analysis for FRA:C3B

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

€0.65
Price
€0.49
GF Value