KYUNF (Kyushu Financial Group) Cyclically Adjusted Book per Share: $4.10 (As of Mar. 2026)

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KYUNF Kyushu Financial Group Inc KYUNF
69 GF Score
Price $2.80
GF Value $1.88
! 7 Warning Signs
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What is Kyushu Financial Group Cyclically Adjusted Book per Share?

Kyushu Financial Group KYUNF 69 Cyclically Adjusted Book per Share is $4.10 as of Mar. 2026. GuruFocus rates KYUNF with a GF Score™ of 69/100 and a GF Value™ of $1.88. 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.

Kyushu Financial Group's adjusted book value per share for the three months ended in Mar. 2026 was $11.322. 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 $4.10 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 (2026-07-21), Kyushu Financial Group's current stock price is $2.80. Kyushu Financial Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $4.10. Kyushu Financial Group's Cyclically Adjusted PB Ratio of today is 0.68.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Kyushu Financial Group was 0.92. The lowest was 0.51. And the median was 0.73.


Kyushu Financial Group  (OTCPK:KYUNF) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=2.80/4.10
=0.68

* 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 11 years, the highest Cyclically Adjusted PB Ratio of Kyushu Financial Group was 0.92. The lowest was 0.51. And the median was 0.73.


Be Aware

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


Kyushu Financial Group Cyclically Adjusted Book per Share Related Terms


Kyushu Financial Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Kyushu 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.

Kyushu Financial Group Cyclically Adjusted Book per Share Chart

Kyushu Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
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 4.10

Kyushu Financial Group 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 0.00 5.00 4.54 4.10

Kyushu Financial Group Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Kyushu 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.


Kyushu Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

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

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


KYUNF
69GF Score
Kyushu Financial Group Inc KYUNF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Kyushu 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, Kyushu Financial Group'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)
=11.322/112.7000*112.7000
=11.322

Current CPI (Mar. 2026) = 112.7000.

Kyushu Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
201606 12.535 98.100 14.401
201609 13.020 98.000 14.973
201612 11.423 98.400 13.083
201703 11.823 98.100 13.583
201706 12.189 98.500 13.946
201709 12.360 98.800 14.099
201712 12.345 99.400 13.997
201803 12.963 99.200 14.727
201806 12.700 99.200 14.428
201809 12.578 99.900 14.190
201812 12.301 99.700 13.905
201903 12.923 99.700 14.608
201906 13.362 99.800 15.089
201909 13.684 100.100 15.406
201912 13.628 100.500 15.282
202003 13.047 100.300 14.660
202006 13.347 99.900 15.057
202009 14.009 99.900 15.804
202012 14.649 99.300 16.626
202103 14.247 99.900 16.072
202106 14.175 99.500 16.056
202109 14.416 100.100 16.231
202112 14.082 100.100 15.855
202203 13.079 101.100 14.580
202206 11.233 101.800 12.436
202209 10.434 103.100 11.406
202212 11.036 104.100 11.948
202303 11.269 104.400 12.165
202306 11.042 105.200 11.829
202309 10.648 106.200 11.300
202312 11.050 106.800 11.660
202403 11.061 107.200 11.628
202406 10.391 108.200 10.823
202409 11.439 108.900 11.838
202412 10.664 110.700 10.857
202503 10.913 111.100 11.070
202506 11.453 111.700 11.556
202509 11.640 112.000 11.713
202512 11.384 113.000 11.354
202603 11.322 112.700 11.322

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 $4.10 mean?
Kyushu Financial Group (KYUNF) has a Cyclically Adjusted Book per Share of $4.10 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 Kyushu Financial Group and its competitors.
Is Kyushu Financial Group's Cyclically Adjusted Book per Share too high?
Kyushu Financial Group's current Cyclically Adjusted Book per Share is $4.10. Overall, Kyushu Financial Group has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does Kyushu Financial Group's Cyclically Adjusted Book per Share compare to competitors?
Kyushu Financial Group's Cyclically Adjusted Book per Share of $4.10 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 Kyushu Financial Group and its competitors. Kyushu Financial Group's current Cyclically Adjusted Book per Share is $4.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kyushu Financial Group stock overvalued right now?
Kyushu Financial Group (KYUNF) has a current Cyclically Adjusted Book per Share of $4.10. The stock's GF Value™ is $1.88, compared to a current price of $2.80 — trading 48.9% above its estimated fair value. The current Cyclically Adjusted Book per Share is $4.10. Kyushu Financial Group's overall GF Score™ is 69/100 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 Kyushu Financial Group (KYUNF), the current Cyclically Adjusted Book per Share is $4.10 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 Kyushu Financial Group (KYUNF) Overvalued in 2026?

Based on GuruFocus' analysis, Kyushu Financial Group stock appears to be overvalued. The current stock price of $2.80 is trading 48.9% above its estimated GF Value™ of $1.88.

Key valuation signals for KYUNF:

  • Cyclically Adjusted Book per Share: $4.10
  • GF Value™: $1.88 vs. price of $2.80 (48.9% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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


Kyushu Financial Group Business Description

Other Exchanges 7180:Japan
Address 1-12-3 Kasuga, Nishi-ku, Kumamoto, JPN, 860-0047
Kyushu Financial Group Inc is a financial service provider based in Japan. The company, along with its subsidiaries, provides traditional banking services to its customers. The company operates through two segments: the Banking Business, which provides deposit, lending, foreign exchange, and securities services, and the Leasing Business, which offers leasing and related financial services. It generates the majority of its revenue from the Banking business segment.
69GF Score

Get the complete analysis for KYUNF

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

$2.80
Price
$1.88
GF Value