Bank AlJazira (SAU:1020) Cyclically Adjusted Book per Share: ﷼12.88 (As of Mar. 2026)

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SAU:1020 Bank AlJazira SAU:1020
78 GF Score
Price ﷼11.80
GF Value ﷼16.50
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Bank AlJazira Cyclically Adjusted Book per Share?

Bank AlJazira SAU:1020 +1.20% 78 Cyclically Adjusted Book per Share is ﷼12.88 as of Mar. 2026. GuruFocus rates SAU:1020 with a GF Score™ of 78/100 and a GF Value™ of ﷼16.50 (Modestly Undervalued). The stock has 3 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 AlJazira's adjusted book value per share for the three months ended in Mar. 2026 was ﷼18.032. 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 ﷼12.88 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank AlJazira's average Cyclically Adjusted Book Growth Rate was 7.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.20% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 8.60% 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 AlJazira was 10.00% per year. The lowest was 7.20% per year. And the median was 8.30% per year.

As of today (2026-07-19), Bank AlJazira's current stock price is ﷼11.80. Bank AlJazira's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ﷼12.88. Bank AlJazira's Cyclically Adjusted PB Ratio of today is 0.92.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank AlJazira was 2.12. The lowest was 0.88. And the median was 1.15.


Bank AlJazira  (SAU:1020) 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 AlJazira's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=11.80/12.88
=0.92

* 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 AlJazira was 2.12. The lowest was 0.88. And the median was 1.15.


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 AlJazira Cyclically Adjusted Book per Share Related Terms


Bank AlJazira Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Bank AlJazira'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 AlJazira Cyclically Adjusted Book per Share Chart

Bank AlJazira 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 9.19 10.15 10.92 11.66 12.49

Bank AlJazira 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 11.94 12.15 12.38 12.49 12.88

SAU:1020 vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Bank AlJazira'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 AlJazira Cyclically Adjusted PB Ratio vs Banks Industry

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

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


SAU:1020
78GF Score
Bank AlJazira SAU:1020
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank AlJazira 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 AlJazira'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)
=18.032/330.2130*330.2130
=18.032

Current CPI (Mar. 2026) = 330.2130.

Bank AlJazira Quarterly Data

Book Value per Share CPI Adj_Book
201606 8.802 241.018 12.059
201609 8.912 241.428 12.189
201612 9.132 241.432 12.490
201703 9.383 243.801 12.709
201706 9.387 244.955 12.654
201709 9.699 246.819 12.976
201712 9.949 246.524 13.326
201803 6.780 249.554 8.971
201806 8.893 251.989 11.654
201809 9.089 252.439 11.889
201812 8.776 251.233 11.535
201903 8.972 254.202 11.655
201906 8.829 256.143 11.382
201909 8.831 256.759 11.357
201912 9.045 256.974 11.623
202003 9.109 258.115 11.653
202006 9.082 257.797 11.633
202009 9.211 260.280 11.686
202012 8.870 260.474 11.245
202103 9.152 264.877 11.409
202106 10.778 271.696 13.099
202109 10.669 274.310 12.843
202112 10.845 278.802 12.845
202203 10.815 287.504 12.422
202206 10.859 296.311 12.101
202209 10.672 296.808 11.873
202212 10.622 296.797 11.818
202303 10.901 301.836 11.926
202306 12.697 305.109 13.742
202309 12.746 307.789 13.675
202312 12.812 306.746 13.792
202403 12.829 312.332 13.563
202406 13.014 314.175 13.678
202409 13.570 315.301 14.212
202412 13.592 315.605 14.221
202503 14.791 319.799 15.273
202506 14.966 322.561 15.321
202509 16.962 324.800 17.245
202512 17.069 324.054 17.393
202603 18.032 330.213 18.032

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 ﷼12.88 mean?
Bank AlJazira (SAU:1020) has a Cyclically Adjusted Book per Share of ﷼12.88 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 Bank AlJazira and its competitors.
Is Bank AlJazira's Cyclically Adjusted Book per Share too high?
Bank AlJazira's current Cyclically Adjusted Book per Share is ﷼12.88. Overall, Bank AlJazira has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank AlJazira's Cyclically Adjusted Book per Share compare to PNC and USB?
Bank AlJazira's Cyclically Adjusted Book per Share of ﷼12.88 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 AlJazira and its competitors. Bank AlJazira's current Cyclically Adjusted Book per Share is ﷼12.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank AlJazira stock overvalued right now?
Based on GuruFocus' analysis, Bank AlJazira (SAU:1020) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼16.50, compared to a current price of ﷼11.80 — trading 28.5% below its estimated fair value. The current Cyclically Adjusted Book per Share is ﷼12.88. Bank AlJazira's overall GF Score™ is 78/100 with 3 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 AlJazira (SAU:1020), the current Cyclically Adjusted Book per Share is ﷼12.88 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 Bank AlJazira (SAU:1020) Overvalued in 2026?

Based on GuruFocus' analysis, Bank AlJazira stock appears to be undervalued. The current stock price of ﷼11.80 is trading 28.5% below its estimated GF Value™ of ﷼16.50. GuruFocus considers Bank AlJazira to be Modestly Undervalued.

Key valuation signals for SAU:1020:

  • Cyclically Adjusted Book per Share: ﷼12.88
  • GF Value™: ﷼16.50 vs. price of ﷼11.80 (28.5% below fair value)
  • GF Score™: 78/100 with 3 warning signs

No single metric tells the full story. See the SAU:1020 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank AlJazira Business Description

Address 7724 King Abdulaziz Road, Additional Number 3551, Unit 1, Al-Shatea District, Jeddah, SAU, 23513
Bank AlJazira provides banking services. The company's main operating segments are: i) Personal banking: Deposit, credit and investment products for individuals. ii) Corporate banking: Financing, deposits and other credit products for corporate, small to medium sized business and institutional customers. iii) Treasury: Treasury includes money market, foreign exchange, trading and treasury services. iv) Brokerage and asset management: It provides shares brokerage and asset management services to customers. The majority of the company's revenue is derived from the Corporate banking segment. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, North America, South East Asia and Other countries.
78GF Score

Get the complete analysis for SAU:1020

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

﷼11.80
Price
﷼16.50
GF Value