Public Bank Bhd (XKLS:1295) Cyclically Adjusted Book per Share: RM2.89 (As of Jun. 2026)

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XKLS:1295 Public Bank Bhd XKLS:1295
71 GF Score
Price RM5.00
GF Value RM4.81
Valuation Fairly Valued
! 3 Warning Signs
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What is Public Bank Bhd Cyclically Adjusted Book per Share?

Public Bank Bhd XKLS:1295 -2.91% 71 Cyclically Adjusted Book per Share is RM2.89 as of Jun. 2026. GuruFocus rates XKLS:1295 with a GF Score™ of 71/100 and a GF Value™ of RM4.81 (Fairly Valued). The stock has 3 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.

Public Bank Bhd's adjusted book value per share for the three months ended in Jun. 2026 was RM3.168. 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 RM2.89 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Public Bank Bhd's average Cyclically Adjusted Book Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.20% 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 Public Bank Bhd was 13.40% per year. The lowest was 8.00% per year. And the median was 11.35% per year.

As of today (2026-08-28), Public Bank Bhd's current stock price is RM5.00. Public Bank Bhd's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was RM2.89. Public Bank Bhd's Cyclically Adjusted PB Ratio of today is 1.73.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Public Bank Bhd was 2.75. The lowest was 1.53. And the median was 1.89.


Public Bank Bhd  (XKLS:1295) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=5.00/2.89
=1.73

* 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 Public Bank Bhd was 2.75. The lowest was 1.53. And the median was 1.89.


Be Aware

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


Public Bank Bhd Cyclically Adjusted Book per Share Related Terms


Public Bank Bhd Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Public Bank Bhd'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.

Public Bank Bhd Cyclically Adjusted Book per Share Chart

Public Bank Bhd 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 1.93 2.19 2.41 2.60 2.76

Public Bank Bhd 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 2.70 2.74 2.76 2.83 2.89

Public Bank Bhd Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Public Bank Bhd'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.


Public Bank Bhd Cyclically Adjusted PB Ratio vs Banks Industry

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

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


XKLS:1295
71GF Score
Public Bank Bhd XKLS:1295
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Public Bank Bhd 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, Public Bank Bhd'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)
=3.168/333.9520*333.9520
=3.168

Current CPI (Jun. 2026) = 333.9520.

Public Bank Bhd Quarterly Data

Book Value per Share CPI Adj_Book
201609 1.700 241.428 2.352
201612 1.772 241.432 2.451
201703 1.771 243.801 2.426
201706 1.840 244.955 2.509
201709 1.860 246.819 2.517
201712 1.935 246.524 2.621
201803 1.946 249.554 2.604
201806 2.035 251.989 2.697
201809 2.050 252.439 2.712
201812 2.111 251.233 2.806
201903 2.111 254.202 2.773
201906 2.185 256.143 2.849
201909 2.195 256.759 2.855
201912 2.246 256.974 2.919
202003 2.229 258.115 2.884
202006 2.303 257.797 2.983
202009 2.374 260.280 3.046
202012 2.434 260.474 3.121
202103 2.360 264.877 2.975
202106 2.436 271.696 2.994
202109 2.421 274.310 2.947
202112 2.481 278.802 2.972
202203 2.472 287.504 2.871
202206 2.529 296.311 2.850
202209 2.535 296.808 2.852
202212 2.585 296.797 2.909
202303 2.643 301.836 2.924
202306 2.746 305.109 3.006
202309 2.741 307.789 2.974
202312 2.817 306.746 3.067
202403 2.812 312.332 3.007
202406 2.900 314.175 3.083
202409 2.858 315.301 3.027
202412 2.954 315.605 3.126
202503 2.934 319.799 3.064
202506 3.014 322.561 3.120
202509 3.001 324.800 3.086
202512 3.088 324.054 3.182
202603 3.047 330.213 3.082
202606 3.168 333.952 3.168

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 RM2.89 mean?
Public Bank Bhd (XKLS:1295) has a Cyclically Adjusted Book per Share of RM2.89 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 Public Bank Bhd and its competitors.
Is Public Bank Bhd's Cyclically Adjusted Book per Share too high?
Public Bank Bhd's current Cyclically Adjusted Book per Share is RM2.89. Overall, Public Bank Bhd has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's Cyclically Adjusted Book per Share compare to competitors?
Public Bank Bhd's Cyclically Adjusted Book per Share of RM2.89 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 Public Bank Bhd and its competitors. Public Bank Bhd's current Cyclically Adjusted Book per Share is RM2.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Public Bank Bhd (XKLS:1295) is currently considered Fairly Valued. The stock's GF Value™ is RM4.81, compared to a current price of RM5.00 — trading 4% above its estimated fair value. The current Cyclically Adjusted Book per Share is RM2.89. Public Bank Bhd's overall GF Score™ is 71/100 with 3 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 Public Bank Bhd (XKLS:1295), the current Cyclically Adjusted Book per Share is RM2.89 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 Public Bank Bhd (XKLS:1295) Overvalued in 2026?

Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued. The current stock price of RM5.00 is trading 4% above its estimated GF Value™ of RM4.81. GuruFocus considers Public Bank Bhd to be Fairly Valued.

Key valuation signals for XKLS:1295:

  • Cyclically Adjusted Book per Share: RM2.89
  • GF Value™: RM4.81 vs. price of RM5.00 (4% above fair value)
  • GF Score™: 71/100 with 3 warning signs

No single metric tells the full story. See the XKLS:1295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Public Bank Bhd Business Description

Address 146, Jalan Ampang, 27th Floor, Menara Public Bank, Kuala Lumpur, SGR, MYS, 50450
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
71GF Score

Get the complete analysis for XKLS:1295

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

RM5.00
Price
RM4.81
GF Value