Alior Bank (STU:A6O) Cyclically Adjusted Book per Share: €17.77 (As of Jun. 2026)

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STU:A6O Alior Bank SA STU:A6O
67 GF Score
Price €31.27
GF Value €22.97
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Alior Bank Cyclically Adjusted Book per Share?

Alior Bank STU:A6O +1.62% 67 Cyclically Adjusted Book per Share is €17.77 as of Jun. 2026. GuruFocus rates STU:A6O with a GF Score™ of 67/100 and a GF Value™ of €22.97 (Significantly Overvalued). 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.

Alior Bank's adjusted book value per share for the three months ended in Jun. 2026 was €22.259. 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 €17.77 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Alior Bank's average Cyclically Adjusted Book Growth Rate was 7.50% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.70% 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.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Alior Bank was 12.00% per year. The lowest was 8.70% per year. And the median was 10.35% per year.

As of today (2026-09-07), Alior Bank's current stock price is €31.27. Alior Bank's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €17.77. Alior Bank's Cyclically Adjusted PB Ratio of today is 1.76.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Alior Bank was 1.84. The lowest was 0.42. And the median was 1.31.


Alior Bank  (STU:A6O) 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.

Alior Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=31.27/17.77
=1.76

* 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 Alior Bank was 1.84. The lowest was 0.42. And the median was 1.31.


Be Aware

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


Alior Bank Cyclically Adjusted Book per Share Related Terms


Alior Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Alior Bank'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.

Alior Bank Cyclically Adjusted Book per Share Chart

Alior Bank 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 10.92 13.87 15.26 15.88

Alior Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 15.24 16.08 15.88 17.91 17.77

STU:A6O vs JPM, BAC, WFC: Cyclically Adjusted Book per Share Comparison

For the Banks - Diversified subindustry, Alior Bank'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.


Alior Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


STU:A6O
67GF Score
Alior Bank SA STU:A6O
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Alior Bank 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, Alior Bank's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=22.259/162.2800*162.2800
=22.259

Current CPI (Jun. 2026) = 162.2800.

Alior Bank Quarterly Data

Book Value per Share CPI Adj_Book
201609 10.558 99.064 17.295
201612 11.065 100.366 17.891
201703 11.340 101.018 18.217
201706 11.477 101.180 18.408
201709 11.869 101.343 19.006
201712 12.018 102.564 19.015
201803 11.064 102.564 17.506
201806 11.280 103.378 17.707
201809 11.555 103.378 18.139
201812 11.537 103.785 18.039
201903 11.635 104.274 18.107
201906 11.836 105.983 18.123
201909 12.059 105.983 18.465
201912 11.985 107.123 18.156
202003 12.136 109.076 18.056
202006 11.326 109.402 16.800
202009 11.501 109.320 17.073
202012 11.668 109.565 17.282
202103 11.644 112.658 16.773
202106 11.709 113.960 16.674
202109 11.741 115.588 16.484
202112 10.529 119.088 14.348
202203 9.925 125.031 12.882
202206 9.465 131.705 11.662
202209 9.687 135.531 11.599
202212 10.975 139.113 12.803
202303 12.289 145.950 13.664
202306 13.671 147.009 15.091
202309 15.270 146.113 16.960
202312 16.453 147.741 18.072
202403 17.464 149.044 19.015
202406 17.546 150.997 18.857
202409 19.157 153.439 20.261
202412 19.935 154.660 20.917
202503 21.067 157.021 21.773
202506 20.438 157.509 21.057
202509 21.632 158.000 22.218
202512 23.094 158.320 23.672
202603 23.361 163.070 23.248
202606 22.259 162.280 22.259

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 €17.77 mean?
Alior Bank (STU:A6O) has a Cyclically Adjusted Book per Share of €17.77 as of Jun. 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 Alior Bank and its competitors.
Is Alior Bank's Cyclically Adjusted Book per Share too high?
Alior Bank's current Cyclically Adjusted Book per Share is €17.77. Overall, Alior Bank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alior Bank's Cyclically Adjusted Book per Share compare to JPM and BAC?
Alior Bank's Cyclically Adjusted Book per Share of €17.77 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 Alior Bank and its competitors. Alior Bank's current Cyclically Adjusted Book per Share is €17.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alior Bank stock overvalued right now?
Based on GuruFocus' analysis, Alior Bank (STU:A6O) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.97, compared to a current price of €31.27 — trading 36.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is €17.77. Alior Bank's overall GF Score™ is 67/100 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 Alior Bank (STU:A6O), the current Cyclically Adjusted Book per Share is €17.77 as of Jun. 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 Alior Bank (STU:A6O) Overvalued in 2026?

Based on GuruFocus' analysis, Alior Bank stock appears to be overvalued. The current stock price of €31.27 is trading 36.1% above its estimated GF Value™ of €22.97. GuruFocus considers Alior Bank to be Significantly Overvalued.

Key valuation signals for STU:A6O:

  • Cyclically Adjusted Book per Share: €17.77
  • GF Value™: €22.97 vs. price of €31.27 (36.1% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the STU:A6O stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Alior Bank Business Description

Address ul. Lopuszanska 38D, Warsaw, POL, 02-232
Alior Bank SA is a universal lending and deposit-taking bank that provides services to a Polish customer base. Its core activities include maintaining bank accounts, granting loans and advances, issuing banking securities, and buying and selling foreign currencies. Its subsidiary group company conducts brokerage activities, consulting, financial agency services, and other financial services. Its loan and advances book is diversified across various categories, notably retail cash loans and overdrafts, housing loans and other mortgages, working capital, and investment loans. The group's operations are financed from the funds of non-financial-sector customers deposited with the bank.
67GF Score

Get the complete analysis for STU:A6O

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

€31.27
Price
€22.97
GF Value