Bank Albilad (SAU:1140) Cyclically Adjusted Book per Share: ﷼9.29 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

SAU:1140 Bank Albilad SAU:1140
82 GF Score
Price ﷼24.40
GF Value ﷼32.98
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Bank Albilad Cyclically Adjusted Book per Share?

Bank Albilad SAU:1140 -0.37% 82 Cyclically Adjusted Book per Share is ﷼9.29 as of Mar. 2026. GuruFocus rates SAU:1140 with a GF Score™ of 82/100 and a GF Value™ of ﷼32.98 (Modestly Undervalued). The stock has 2 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 Albilad's adjusted book value per share for the three months ended in Mar. 2026 was ﷼15.771. 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 ﷼9.29 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bank Albilad's average Cyclically Adjusted Book Growth Rate was 14.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 11.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 13.10% 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 Albilad was 14.20% per year. The lowest was 11.90% per year. And the median was 13.35% per year.

As of today (2026-07-22), Bank Albilad's current stock price is ﷼24.40. Bank Albilad's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ﷼9.29. Bank Albilad's Cyclically Adjusted PB Ratio of today is 2.63.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank Albilad was 6.52. The lowest was 2.24. And the median was 3.79.


Bank Albilad  (SAU:1140) 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 Albilad's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=24.40/9.29
=2.63

* 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 Albilad was 6.52. The lowest was 2.24. And the median was 3.79.


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 Albilad Cyclically Adjusted Book per Share Related Terms


Bank Albilad Cyclically Adjusted Book per Share Historical Data

* Premium members only.

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

Bank Albilad 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 5.47 6.33 7.10 7.88 8.88

Bank Albilad 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 8.14 8.42 8.69 8.88 9.29

SAU:1140 vs PNC, USB: Cyclically Adjusted Book per Share Comparison

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

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

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


SAU:1140
82GF Score
Bank Albilad SAU:1140
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Albilad 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 Albilad'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)
=15.771/330.2130*330.2130
=15.771

Current CPI (Mar. 2026) = 330.2130.

Bank Albilad Quarterly Data

Book Value per Share CPI Adj_Book
201606 4.540 241.018 6.220
201609 4.685 241.428 6.408
201612 4.741 241.432 6.484
201703 4.886 243.801 6.618
201706 4.857 244.955 6.548
201709 5.054 246.819 6.762
201712 5.059 246.524 6.776
201803 5.147 249.554 6.811
201806 5.142 251.989 6.738
201809 5.294 252.439 6.925
201812 5.222 251.233 6.864
201903 5.514 254.202 7.163
201906 5.887 256.143 7.589
201909 6.048 256.759 7.778
201912 6.284 256.974 8.075
202003 6.360 258.115 8.137
202006 6.568 257.797 8.413
202009 6.874 260.280 8.721
202012 7.161 260.474 9.078
202103 7.225 264.877 9.007
202106 7.611 271.696 9.250
202109 7.912 274.310 9.524
202112 7.987 278.802 9.460
202203 8.217 287.504 9.438
202206 8.405 296.311 9.367
202209 8.690 296.808 9.668
202212 8.933 296.797 9.939
202303 9.388 301.836 10.271
202306 9.447 305.109 10.224
202309 9.742 307.789 10.452
202312 10.172 306.746 10.950
202403 10.467 312.332 11.066
202406 10.537 314.175 11.075
202409 10.755 315.301 11.264
202412 11.129 315.605 11.644
202503 11.728 319.799 12.110
202506 13.838 322.561 14.166
202509 13.940 324.800 14.172
202512 14.237 324.054 14.508
202603 15.771 330.213 15.771

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 ﷼9.29 mean?
Bank Albilad (SAU:1140) has a Cyclically Adjusted Book per Share of ﷼9.29 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 Albilad and its competitors.
Is Bank Albilad's Cyclically Adjusted Book per Share too high?
Bank Albilad's current Cyclically Adjusted Book per Share is ﷼9.29. Overall, Bank Albilad has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Albilad's Cyclically Adjusted Book per Share compare to PNC and USB?
Bank Albilad's Cyclically Adjusted Book per Share of ﷼9.29 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 Albilad and its competitors. Bank Albilad's current Cyclically Adjusted Book per Share is ﷼9.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Albilad stock overvalued right now?
Based on GuruFocus' analysis, Bank Albilad (SAU:1140) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼32.98, compared to a current price of ﷼24.40 — trading 26% below its estimated fair value. The current Cyclically Adjusted Book per Share is ﷼9.29. Bank Albilad's overall GF Score™ is 82/100 with 2 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 Albilad (SAU:1140), the current Cyclically Adjusted Book per Share is ﷼9.29 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 Albilad (SAU:1140) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Albilad stock appears to be undervalued. The current stock price of ﷼24.40 is trading 26% below its estimated GF Value™ of ﷼32.98. GuruFocus considers Bank Albilad to be Modestly Undervalued.

Key valuation signals for SAU:1140:

  • Cyclically Adjusted Book per Share: ﷼9.29
  • GF Value™: ﷼32.98 vs. price of ﷼24.40 (26% below fair value)
  • GF Score™: 82/100 with 2 warning signs

No single metric tells the full story. See the SAU:1140 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Albilad Business Description

Address 8229 Al Mutamarat, Unit 2, Riyadh, SAU, 3952- 12711
Bank Albilad is a banking corporation conducting business mainly in the Kingdom of Saudi Arabia. It is divided into four operating segments: Retail banking provides services and products to individuals, including deposits, financing, remittances, and currency exchange, Corporate banking provides services and products to corporate customers including deposits, financing, and trade services, Treasury provides money market and treasury services and Investment banking and brokerage provides investment management services and asset management activities related to dealing, managing, arranging, advising and custody of securities. Key revenue is generated from the Retail banking segment.
82GF Score

Get the complete analysis for SAU:1140

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

﷼24.40
Price
﷼32.98
GF Value