Jyoti Bikas Bank (XNEP:JBBL) Cyclically Adjusted Book per Share: NPR132.23 (As of Apr. 2026)

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XNEP:JBBL Jyoti Bikas Bank Ltd XNEP:JBBL
72 GF Score
Price NPR354.00
GF Value NPR329.59
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Jyoti Bikas Bank Cyclically Adjusted Book per Share?

Jyoti Bikas Bank XNEP:JBBL -0.84% 72 Cyclically Adjusted Book per Share is NPR132.23 as of Apr. 2026. GuruFocus rates XNEP:JBBL with a GF Score™ of 72/100 and a GF Value™ of NPR329.59 (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.

Jyoti Bikas Bank's adjusted book value per share for the three months ended in Apr. 2026 was NPR163.561. 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 NPR132.23 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Jyoti Bikas Bank's average Cyclically Adjusted Book Growth Rate was 8.20% 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.

As of today (2026-07-22), Jyoti Bikas Bank's current stock price is NPR354.00. Jyoti Bikas Bank's Cyclically Adjusted Book per Share for the quarter that ended in Apr. 2026 was NPR132.23. Jyoti Bikas Bank's Cyclically Adjusted PB Ratio of today is 2.68.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jyoti Bikas Bank was 3.62. The lowest was 2.39. And the median was 2.71.


Jyoti Bikas Bank  (XNEP:JBBL) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=354.00/132.23
=2.68

* 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 Jyoti Bikas Bank was 3.62. The lowest was 2.39. And the median was 2.71.


Be Aware

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


Jyoti Bikas Bank Cyclically Adjusted Book per Share Related Terms


Jyoti Bikas Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Jyoti Bikas 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.

Jyoti Bikas Bank Cyclically Adjusted Book per Share Chart

Jyoti Bikas Bank Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 108.82 115.59 124.47

Jyoti Bikas Bank Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 122.25 124.47 126.38 127.78 132.23

Jyoti Bikas Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Jyoti Bikas 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.


Jyoti Bikas Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


XNEP:JBBL
72GF Score
Jyoti Bikas Bank Ltd XNEP:JBBL
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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

Adj_Book= Book Value per Share /CPI of Apr. 2026 (Change)*Current CPI (Apr. 2026)
=163.561/333.0200*333.0200
=163.561

Current CPI (Apr. 2026) = 333.0200.

Jyoti Bikas Bank Quarterly Data

Book Value per Share CPI Adj_Book
201607 83.384 240.628 115.400
201610 93.245 241.729 128.460
201701 43.274 242.839 59.344
201704 45.062 244.524 61.370
201707 80.247 244.786 109.172
201710 84.925 246.663 114.657
201801 0.000 247.867 0.000
201804 82.050 250.546 109.059
201807 85.667 252.006 113.207
201810 80.051 252.885 105.418
201901 69.409 251.712 91.829
201904 84.950 255.548 110.703
201907 91.153 256.571 118.313
201910 92.440 257.346 119.622
202001 97.318 257.971 125.630
202004 100.489 256.389 130.524
202007 102.462 259.101 131.693
202010 104.071 260.388 133.100
202101 110.837 261.582 141.107
202104 116.792 267.054 145.641
202107 119.338 273.003 145.573
202110 125.051 276.589 150.564
202201 121.694 281.148 144.147
202204 124.845 289.109 143.807
202207 128.384 296.276 144.306
202210 131.144 298.012 146.550
202301 129.699 299.170 144.374
202304 128.150 303.363 140.678
202307 131.947 305.691 143.743
202310 136.700 307.671 147.963
202401 133.129 308.417 143.749
202404 134.257 313.548 142.595
202407 143.298 314.540 151.717
202410 149.159 315.664 157.360
202501 149.601 317.671 156.829
202504 152.158 320.795 157.957
202507 151.085 323.048 155.749
202510 148.984 0.000
202601 155.202 325.252 158.909
202604 163.561 333.020 163.561

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 NPR132.23 mean?
Jyoti Bikas Bank (XNEP:JBBL) has a Cyclically Adjusted Book per Share of NPR132.23 as of Apr. 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 Jyoti Bikas Bank and its competitors.
Is Jyoti Bikas Bank's Cyclically Adjusted Book per Share too high?
Jyoti Bikas Bank's current Cyclically Adjusted Book per Share is NPR132.23. Overall, Jyoti Bikas Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's Cyclically Adjusted Book per Share compare to competitors?
Jyoti Bikas Bank's Cyclically Adjusted Book per Share of NPR132.23 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 Jyoti Bikas Bank and its competitors. Jyoti Bikas Bank's current Cyclically Adjusted Book per Share is NPR132.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR329.59, compared to a current price of NPR354.00 — trading 7.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is NPR132.23. Jyoti Bikas Bank's overall GF Score™ is 72/100 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 Jyoti Bikas Bank (XNEP:JBBL), the current Cyclically Adjusted Book per Share is NPR132.23 as of Apr. 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 Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?

Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued. The current stock price of NPR354.00 is trading 7.4% above its estimated GF Value™ of NPR329.59. GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.

Key valuation signals for XNEP:JBBL:

  • Cyclically Adjusted Book per Share: NPR132.23
  • GF Value™: NPR329.59 vs. price of NPR354.00 (7.4% above fair value)
  • GF Score™: 72/100 with 3 warning signs

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


Jyoti Bikas Bank Business Description

Address Kamalpokhari, Kathmandu, NPL
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score

Get the complete analysis for XNEP:JBBL

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

NPR354.00
Price
NPR329.59
GF Value