Mebuki Financial Group (STU:5EE) Cyclically Adjusted Book per Share: €5.31 (As of Mar. 2026)


STU:5EE Mebuki Financial Group Inc STU:5EE
38 GF Score
Price €8.15
GF Value €5.15
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Mebuki Financial Group Cyclically Adjusted Book per Share?

Mebuki Financial Group STU:5EE +1.24% 38 Cyclically Adjusted Book per Share is €5.31 as of Mar. 2026. GuruFocus rates STU:5EE with a GF Score™ of 38/100 and a GF Value™ of €5.15 (Significantly Overvalued). The stock has 5 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.

Mebuki Financial Group's adjusted book value per share for the three months ended in Mar. 2026 was €6.256. 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 €5.31 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Mebuki Financial Group's average Cyclically Adjusted Book Growth Rate was 2.40% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 3.10% 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 Mebuki Financial Group was 3.60% per year. The lowest was 3.10% per year. And the median was 3.35% per year.

As of today (2026-07-07), Mebuki Financial Group's current stock price is €8.15. Mebuki Financial Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €5.31. Mebuki Financial Group's Cyclically Adjusted PB Ratio of today is 1.53.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Mebuki Financial Group was 1.58. The lowest was 0.28. And the median was 0.58.


Mebuki Financial Group  (STU:5EE) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=8.15/5.31
=1.53

* 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 Mebuki Financial Group was 1.58. The lowest was 0.28. And the median was 0.58.


Be Aware

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


Mebuki Financial Group Cyclically Adjusted Book per Share Related Terms


Mebuki Financial Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Mebuki 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.

Mebuki Financial Group Cyclically Adjusted Book per Share Chart

Mebuki 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 5.27 5.72 5.31

Mebuki 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 5.72 5.47 5.42 5.14 5.31

Mebuki Financial Group Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Mebuki 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.


Mebuki Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

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

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


STU:5EE
38GF Score
Mebuki Financial Group Inc STU:5EE
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mebuki 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, Mebuki 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)
=6.256/112.7000*112.7000
=6.256

Current CPI (Mar. 2026) = 112.7000.

Mebuki Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
201606 7.833 98.100 8.999
201609 8.114 98.000 9.331
201612 5.931 98.400 6.793
201703 6.068 98.100 6.971
201706 5.956 98.500 6.815
201709 5.688 98.800 6.488
201712 5.822 99.400 6.601
201803 5.766 99.200 6.551
201806 5.951 99.200 6.761
201809 5.880 99.900 6.633
201812 5.897 99.700 6.666
201903 6.242 99.700 7.056
201906 6.483 99.800 7.321
201909 6.859 100.100 7.722
201912 6.851 100.500 7.683
202003 6.397 100.300 7.188
202006 6.686 99.900 7.543
202009 6.641 99.900 7.492
202012 6.648 99.300 7.545
202103 6.655 99.900 7.508
202106 6.931 99.500 7.850
202109 7.171 100.100 8.074
202112 7.286 100.100 8.203
202203 6.801 101.100 7.581
202206 5.986 101.800 6.627
202209 5.764 103.100 6.301
202212 5.677 104.100 6.146
202303 5.939 104.400 6.411
202306 5.779 105.200 6.191
202309 5.551 106.200 5.891
202312 5.864 106.800 6.188
202403 5.979 107.200 6.286
202406 0.000 108.200 0.000
202409 6.254 108.900 6.472
202412 6.151 110.700 6.262
202503 6.089 111.100 6.177
202506 6.170 111.700 6.225
202509 6.283 112.000 6.322
202512 6.168 113.000 6.152
202603 6.256 112.700 6.256

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 €5.31 mean?
Mebuki Financial Group (STU:5EE) has a Cyclically Adjusted Book per Share of €5.31 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 Mebuki Financial Group and its competitors.
Is Mebuki Financial Group's Cyclically Adjusted Book per Share too high?
Mebuki Financial Group's current Cyclically Adjusted Book per Share is €5.31. Overall, Mebuki Financial Group has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mebuki Financial Group's Cyclically Adjusted Book per Share compare to competitors?
Mebuki Financial Group's Cyclically Adjusted Book per Share of €5.31 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 Mebuki Financial Group and its competitors. Mebuki Financial Group's current Cyclically Adjusted Book per Share is €5.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mebuki Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Mebuki Financial Group (STU:5EE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.15, compared to a current price of €8.15 — trading 58.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is €5.31. Mebuki Financial Group's overall GF Score™ is 38/100 with 5 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 Mebuki Financial Group (STU:5EE), the current Cyclically Adjusted Book per Share is €5.31 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 Mebuki Financial Group (STU:5EE) Overvalued in 2026?

Based on GuruFocus' analysis, Mebuki Financial Group stock appears to be overvalued. The current stock price of €8.15 is trading 58.3% above its estimated GF Value™ of €5.15. GuruFocus considers Mebuki Financial Group to be Significantly Overvalued.

Key valuation signals for STU:5EE:

  • Cyclically Adjusted Book per Share: €5.31
  • GF Value™: €5.15 vs. price of €8.15 (58.3% above fair value)
  • GF Score™: 38/100 with 5 warning signs

No single metric tells the full story. See the STU:5EE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mebuki Financial Group Business Description

Other Exchanges MEBUF:USA7167:Japan
Address 1-25, Sakura 4-chome Utsunomiya, Utsunomiya, Tochigi, JPN, 320-8610
Mebuki Financial Group Inc is a Japan-based company, engages in the provision of banking and other financial services including credit card services in Japan. Its services include loans and bills discounted, deposits, other loans, and assets. It also engages in call money transactions in the short-term markets; and invests in securities primarily comprising bonds, as well as money markets. Its other services include foreign currency exchange and international remittances.
38GF Score

Get the complete analysis for STU:5EE

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

€8.15
Price
€5.15
GF Value