Guangzhou Rural Commercial Bank Co (STU:2GN) Cyclically Adjusted Book per Share: €0.71 (As of Dec. 2025)

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STU:2GN Guangzhou Rural Commercial Bank Co Ltd STU:2GN
57 GF Score
Price €0.16
GF Value €0.12
! 4 Warning Signs
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What is Guangzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share?

Guangzhou Rural Commercial Bank Co STU:2GN 57 Cyclically Adjusted Book per Share is €0.71 as of Dec. 2025. GuruFocus rates STU:2GN with a GF Score™ of 57/100 and a GF Value™ of €0.12. 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.

Guangzhou Rural Commercial Bank Co's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was €0.789. 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 €0.71 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Guangzhou Rural Commercial Bank Co's average Cyclically Adjusted Book Growth Rate was 4.70% 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 (2026-07-19), Guangzhou Rural Commercial Bank Co's current stock price is € 0.155. Guangzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was €0.71. Guangzhou Rural Commercial Bank Co's Cyclically Adjusted PB Ratio of today is 0.22.

During the past 12 years, the highest Cyclically Adjusted PB Ratio of Guangzhou Rural Commercial Bank Co was 0.34. The lowest was 0.21. And the median was 0.24.


Guangzhou Rural Commercial Bank Co  (STU:2GN) 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.

Guangzhou 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
=0.155/0.71
=0.22

* 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 Guangzhou Rural Commercial Bank Co was 0.34. The lowest was 0.21. And the median was 0.24.


Be Aware

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


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


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

* Premium members only.

The historical data trend for Guangzhou 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.

Guangzhou Rural Commercial Bank Co Cyclically Adjusted Book per Share Chart

Guangzhou 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 0.63 0.76 0.71

Guangzhou Rural Commercial Bank Co Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 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 0.63 0.00 0.76 0.00 0.71

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

For the Banks - Regional subindustry, Guangzhou 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.


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

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

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


STU:2GN
57GF Score
Guangzhou Rural Commercial Bank Co Ltd STU:2GN
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Guangzhou 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, Guangzhou Rural Commercial Bank Co'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)
=0.789/120.7036*120.7036
=0.789

Current CPI (Dec. 2025) = 120.7036.

Guangzhou Rural Commercial Bank Co Annual Data

Book Value per Share CPI Adj_Book
201612 0.512 103.225 0.599
201712 0.602 104.984 0.692
201812 0.688 107.622 0.772
201912 0.766 110.700 0.835
202012 0.765 109.711 0.842
202112 0.852 112.349 0.915
202212 0.843 114.548 0.888
202312 0.704 117.296 0.724
202412 0.863 118.945 0.876
202512 0.789 120.704 0.789

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 €0.71 mean?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a Cyclically Adjusted Book per Share of €0.71 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 Guangzhou Rural Commercial Bank Co and its competitors.
Is Guangzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share too high?
Guangzhou Rural Commercial Bank Co's current Cyclically Adjusted Book per Share is €0.71. Overall, Guangzhou Rural Commercial Bank Co has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Guangzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share compare to competitors?
Guangzhou Rural Commercial Bank Co's Cyclically Adjusted Book per Share of €0.71 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 Guangzhou Rural Commercial Bank Co and its competitors. Guangzhou Rural Commercial Bank Co's current Cyclically Adjusted Book per Share is €0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guangzhou Rural Commercial Bank Co stock overvalued right now?
Guangzhou Rural Commercial Bank Co (STU:2GN) has a current Cyclically Adjusted Book per Share of €0.71. The stock's GF Value™ is €0.12, compared to a current price of €0.16 — trading 29.2% above its estimated fair value. The current Cyclically Adjusted Book per Share is €0.71. Guangzhou Rural Commercial Bank Co's overall GF Score™ is 57/100 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 Guangzhou Rural Commercial Bank Co (STU:2GN), the current Cyclically Adjusted Book per Share is €0.71 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 Guangzhou Rural Commercial Bank Co (STU:2GN) Overvalued in 2026?

Based on GuruFocus' analysis, Guangzhou Rural Commercial Bank Co stock appears to be overvalued. The current stock price of €0.16 is trading 29.2% above its estimated GF Value™ of €0.12.

Key valuation signals for STU:2GN:

  • Cyclically Adjusted Book per Share: €0.71
  • GF Value™: €0.12 vs. price of €0.16 (29.2% above fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the STU:2GN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Guangzhou Rural Commercial Bank Co Business Description

Other Exchanges 01551:Hong Kong
Address No. 248 Queen’s Road East, 40th Floor, Dah Sing Financial Centre, Wanchai, Hong Kong, HKG
Guangzhou Rural Commercial Bank Co Ltd is engaged in providing banking and related financial services. The company's operating segments are Corporate banking, Retail banking, Financial market business, and others. It generates maximum revenue from the Corporate banking segment, which covers financial products and services for corporate customers, including deposits, loans, settlement, clearing, and other trade-related services. The bank conducts its business principally in Guangdong Province.
57GF Score

Get the complete analysis for STU:2GN

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

€0.16
Price
€0.12
GF Value