CB Central Cooperative Bank AD (XBUL:CCB) Cyclically Adjusted Book per Share: €2.84 (As of Dec. 2025)

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XBUL:CCB CB Central Cooperative Bank AD XBUL:CCB
57 GF Score
Price €1.63
GF Value €1.90
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is CB Central Cooperative Bank AD Cyclically Adjusted Book per Share?

CB Central Cooperative Bank AD XBUL:CCB 57 Cyclically Adjusted Book per Share is €2.84 as of Dec. 2025. GuruFocus rates XBUL:CCB with a GF Score™ of 57/100 and a GF Value™ of €1.90 (Modestly Undervalued). The stock has 1 warning sign 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.

CB Central Cooperative Bank AD's adjusted book value per share for the three months ended in Dec. 2025 was €4.033. 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 €2.84 for the trailing ten years ended in Dec. 2025.

During the past 12 months, CB Central Cooperative Bank AD's average Cyclically Adjusted Book Growth Rate was 9.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.00% 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 CB Central Cooperative Bank AD was 7.00% per year. The lowest was 6.60% per year. And the median was 6.80% per year.

As of today (2026-07-14), CB Central Cooperative Bank AD's current stock price is €1.63. CB Central Cooperative Bank AD's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was €2.84. CB Central Cooperative Bank AD's Cyclically Adjusted PB Ratio of today is 0.57.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of CB Central Cooperative Bank AD was 0.75. The lowest was 0.35. And the median was 0.62.


CB Central Cooperative Bank AD  (XBUL:CCB) 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.

CB Central Cooperative Bank AD's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1.63/2.84
=0.57

* 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 CB Central Cooperative Bank AD was 0.75. The lowest was 0.35. And the median was 0.62.


Be Aware

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


CB Central Cooperative Bank AD Cyclically Adjusted Book per Share Related Terms


CB Central Cooperative Bank AD Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for CB Central Cooperative Bank AD'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.

CB Central Cooperative Bank AD Cyclically Adjusted Book per Share Chart

CB Central Cooperative Bank AD 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 2.15 2.33 2.43 2.60 2.84

CB Central Cooperative Bank AD Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 2.60 2.68 2.74 2.80 2.84

XBUL:CCB vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, CB Central Cooperative Bank AD'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.


CB Central Cooperative Bank AD Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where CB Central Cooperative Bank AD's Cyclically Adjusted PB Ratio falls into.


XBUL:CCB
57GF Score
CB Central Cooperative Bank AD XBUL:CCB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CB Central Cooperative Bank AD 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, CB Central Cooperative Bank AD's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=4.033/324.0540*324.0540
=4.033

Current CPI (Dec. 2025) = 324.0540.

CB Central Cooperative Bank AD Quarterly Data

Book Value per Share CPI Adj_Book
201509 1.674 237.945 2.280
201512 1.592 236.525 2.181
201603 0.000 238.132 0.000
201606 1.638 241.018 2.202
201609 2.064 241.428 2.770
201612 0.000 241.432 0.000
201703 1.923 243.801 2.556
201706 1.929 244.955 2.552
201709 1.959 246.819 2.572
201712 1.638 246.524 2.153
201803 2.092 249.554 2.717
201806 1.206 251.989 1.551
201809 1.977 252.439 2.538
201812 2.341 251.233 3.020
201903 2.150 254.202 2.741
201906 2.196 256.143 2.778
201909 2.246 256.759 2.835
201912 2.244 256.974 2.830
202003 2.294 258.115 2.880
202006 2.299 257.797 2.890
202009 2.302 260.280 2.866
202012 2.320 260.474 2.886
202103 2.345 264.877 2.869
202106 2.383 271.696 2.842
202109 2.416 274.310 2.854
202112 2.420 278.802 2.813
202203 2.429 287.504 2.738
202206 2.410 296.311 2.636
202209 2.430 296.808 2.653
202212 2.568 296.797 2.804
202303 0.000 301.836 0.000
202312 3.000 306.746 3.169
202403 3.124 312.332 3.241
202406 0.000 314.175 0.000
202409 3.333 315.301 3.426
202412 3.414 315.605 3.505
202503 3.541 319.799 3.588
202506 3.627 322.561 3.644
202509 3.703 324.800 3.694
202512 4.033 324.054 4.033

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 €2.84 mean?
CB Central Cooperative Bank AD (XBUL:CCB) has a Cyclically Adjusted Book per Share of €2.84 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 CB Central Cooperative Bank AD and its competitors.
Is CB Central Cooperative Bank AD's Cyclically Adjusted Book per Share too high?
CB Central Cooperative Bank AD's current Cyclically Adjusted Book per Share is €2.84. Overall, CB Central Cooperative Bank AD has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Central Cooperative Bank AD's Cyclically Adjusted Book per Share compare to PNC and USB?
CB Central Cooperative Bank AD's Cyclically Adjusted Book per Share of €2.84 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 CB Central Cooperative Bank AD and its competitors. CB Central Cooperative Bank AD's current Cyclically Adjusted Book per Share is €2.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Central Cooperative Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Central Cooperative Bank AD (XBUL:CCB) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.90, compared to a current price of €1.63 — trading 14.2% below its estimated fair value. The current Cyclically Adjusted Book per Share is €2.84. CB Central Cooperative Bank AD's overall GF Score™ is 57/100 with 1 warning sign 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 CB Central Cooperative Bank AD (XBUL:CCB), the current Cyclically Adjusted Book per Share is €2.84 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 CB Central Cooperative Bank AD (XBUL:CCB) Overvalued in 2026?

Based on GuruFocus' analysis, CB Central Cooperative Bank AD stock appears to be undervalued. The current stock price of €1.63 is trading 14.2% below its estimated GF Value™ of €1.90. GuruFocus considers CB Central Cooperative Bank AD to be Modestly Undervalued.

Key valuation signals for XBUL:CCB:

  • Cyclically Adjusted Book per Share: €2.84
  • GF Value™: €1.90 vs. price of €1.63 (14.2% below fair value)
  • GF Score™: 57/100 with 1 warning sign

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


CB Central Cooperative Bank AD Business Description

Address 87 Tsarigradsko Shose Boulevard, Sofia, BGR, 1086
CB Central Cooperative Bank AD is a universal commercial bank. The Bank comprises several products and services in the field of financial intermediation, with an emphasis on SME lending and retail banking. As a universal commercial bank, the company offers an array of financial products and services. The bank is a primary dealer of government securities on the Bulgarian domestic market.
57GF Score

Get the complete analysis for XBUL:CCB

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

€1.63
Price
€1.90
GF Value