Sanima Bank (XNEP:SANIMA) Cyclically Adjusted Book per Share: NPR129.95 (As of Apr. 2026)

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XNEP:SANIMA Sanima Bank Ltd XNEP:SANIMA
98 GF Score
Price NPR369.00
GF Value NPR382.38
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is Sanima Bank Cyclically Adjusted Book per Share?

Sanima Bank XNEP:SANIMA -0.22% 98 Cyclically Adjusted Book per Share is NPR129.95 as of Apr. 2026. GuruFocus rates XNEP:SANIMA with a GF Score™ of 98/100 and a GF Value™ of NPR382.38 (Fairly Valued). The stock has 2 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.

Sanima Bank's adjusted book value per share for the three months ended in Apr. 2026 was NPR195.506. 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 NPR129.95 for the trailing ten years ended in Apr. 2026.

During the past 12 months, Sanima Bank's average Cyclically Adjusted Book Growth Rate was 13.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 11.90% 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 Sanima Bank was 11.90% per year. The lowest was 11.90% per year. And the median was 11.90% per year.

As of today (2026-08-12), Sanima Bank's current stock price is NPR369.00. Sanima Bank's Cyclically Adjusted Book per Share for the quarter that ended in Apr. 2026 was NPR129.95. Sanima Bank's Cyclically Adjusted PB Ratio of today is 2.84.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Sanima Bank was 3.57. The lowest was 2.25. And the median was 2.68.


Sanima Bank  (XNEP:SANIMA) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=369.00/129.95
=2.84

* 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 Sanima Bank was 3.57. The lowest was 2.25. And the median was 2.68.


Be Aware

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


Sanima Bank Cyclically Adjusted Book per Share Related Terms


Sanima Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Sanima 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.

Sanima Bank Cyclically Adjusted Book per Share Chart

Sanima 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 86.17 96.98 105.79 118.35

Sanima 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 114.94 118.35 121.55 124.16 129.95

Sanima Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Sanima 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.


Sanima Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


XNEP:SANIMA
98GF Score
Sanima Bank Ltd XNEP:SANIMA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sanima 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, Sanima 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)
=195.506/333.0200*333.0200
=195.506

Current CPI (Apr. 2026) = 333.0200.

Sanima Bank Quarterly Data

Book Value per Share CPI Adj_Book
201607 40.765 240.628 56.417
201610 46.347 241.729 63.850
201701 49.504 242.839 67.888
201704 52.084 244.524 70.934
201707 67.395 244.786 91.688
201710 69.494 246.663 93.824
201801 72.853 247.867 97.881
201804 75.660 250.546 100.566
201807 79.585 252.006 105.170
201810 83.317 252.885 109.719
201901 78.480 251.712 103.831
201904 82.796 255.548 107.896
201907 88.534 256.571 114.914
201910 86.142 257.346 111.473
202001 90.245 257.971 116.499
202004 93.602 256.389 121.578
202007 94.570 259.101 121.550
202010 97.535 260.388 124.741
202101 100.483 261.582 127.925
202104 106.782 267.054 133.159
202107 110.813 273.003 135.174
202110 114.247 276.589 137.556
202201 117.496 281.148 139.174
202204 121.093 289.109 139.485
202207 125.317 296.276 140.859
202210 128.617 298.012 143.726
202301 133.569 299.170 148.682
202304 136.532 303.363 149.879
202307 143.543 305.691 156.376
202310 146.252 307.671 158.302
202401 145.687 308.417 157.309
202404 147.920 313.548 157.106
202407 154.930 314.540 164.033
202410 158.073 315.664 166.764
202501 158.530 317.671 166.190
202504 162.334 320.795 168.520
202507 170.897 323.048 176.172
202510 173.720 0.000
202601 173.499 325.252 177.643
202604 195.506 333.020 195.506

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 NPR129.95 mean?
Sanima Bank (XNEP:SANIMA) has a Cyclically Adjusted Book per Share of NPR129.95 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 Sanima Bank and its competitors.
Is Sanima Bank's Cyclically Adjusted Book per Share too high?
Sanima Bank's current Cyclically Adjusted Book per Share is NPR129.95. Overall, Sanima Bank has a GF Score™ of 98/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sanima Bank's Cyclically Adjusted Book per Share compare to competitors?
Sanima Bank's Cyclically Adjusted Book per Share of NPR129.95 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 Sanima Bank and its competitors. Sanima Bank's current Cyclically Adjusted Book per Share is NPR129.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanima Bank stock overvalued right now?
Based on GuruFocus' analysis, Sanima Bank (XNEP:SANIMA) is currently considered Fairly Valued. The stock's GF Value™ is NPR382.38, compared to a current price of NPR369.00 — trading 3.5% below its estimated fair value. The current Cyclically Adjusted Book per Share is NPR129.95. Sanima Bank's overall GF Score™ is 98/100 with 2 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 Sanima Bank (XNEP:SANIMA), the current Cyclically Adjusted Book per Share is NPR129.95 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 Sanima Bank (XNEP:SANIMA) Overvalued in 2026?

Based on GuruFocus' analysis, Sanima Bank stock appears to be undervalued. The current stock price of NPR369.00 is trading 3.5% below its estimated GF Value™ of NPR382.38. GuruFocus considers Sanima Bank to be Fairly Valued.

Key valuation signals for XNEP:SANIMA:

  • Cyclically Adjusted Book per Share: NPR129.95
  • GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
  • GF Score™: 98/100 with 2 warning signs

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


Sanima Bank Business Description

Address Alakapuri Building, Naxal, G.P.O. Box: 20394, Kathmandu, NPL, 20394
Sanima Bank Ltd is a registered bank operating in Nepal. It offers various banking and related services to individuals and corporate customers. The company provides retail and commercial banking products such as savings, current accounts, deposits, fixed deposits, staff salary account and remittance saving account. It also offers credit facilities to individuals including home loan, education loan, auto loan, overdraft, agro equipment loan, personal loan, gold loan as well as it provides microenterprises loan, project financing, corporate loan, term loan, small-medium enterprise (SME) loan and commercial vehicle loan to corporates. In addition, it provides trade finance, online banking, mobile banking, priority banking, and others. Most of the company's revenue comes from Nepal.
98GF Score

Get the complete analysis for XNEP:SANIMA

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

NPR369.00
Price
NPR382.38
GF Value