Arab Islamic Bank (XPAE:AIB) Cyclically Adjusted Book per Share: $0.94 (As of Dec. 2025)

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XPAE:AIB Arab Islamic Bank XPAE:AIB
64 GF Score
Price $1.11
GF Value $1.24
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Arab Islamic Bank Cyclically Adjusted Book per Share?

Arab Islamic Bank XPAE:AIB +2.78% 64 Cyclically Adjusted Book per Share is $0.94 as of Dec. 2025. GuruFocus rates XPAE:AIB with a GF Score™ of 64/100 and a GF Value™ of $1.24 (Modestly Undervalued). The stock has 4 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.

Arab Islamic Bank's adjusted book value per share for the three months ended in Dec. 2025 was $1.482. 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 $0.94 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Arab Islamic Bank's average Cyclically Adjusted Book Growth Rate was 27.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 14.90% 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 Arab Islamic Bank was 14.90% per year. The lowest was 14.90% per year. And the median was 14.90% per year.

As of today (2026-07-15), Arab Islamic Bank's current stock price is $1.11. Arab Islamic Bank's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was $0.94. Arab Islamic Bank's Cyclically Adjusted PB Ratio of today is 1.18.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Arab Islamic Bank was 2.99. The lowest was 1.15. And the median was 1.67.


Arab Islamic Bank  (XPAE:AIB) 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.

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

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1.11/0.94
=1.18

* 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 Arab Islamic Bank was 2.99. The lowest was 1.15. And the median was 1.67.


Be Aware

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


Arab Islamic Bank Cyclically Adjusted Book per Share Related Terms


Arab Islamic Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Arab Islamic 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.

Arab Islamic Bank Cyclically Adjusted Book per Share Chart

Arab Islamic 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 0.62 0.67 0.74 0.94

Arab Islamic Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 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 0.74 0.75 0.76 0.77 0.94

XPAE:AIB vs PNC, USB: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Arab Islamic 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.


Arab Islamic Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


XPAE:AIB
64GF Score
Arab Islamic Bank XPAE:AIB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Arab Islamic 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, Arab Islamic Bank'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)
=1.482/324.0540*324.0540
=1.482

Current CPI (Dec. 2025) = 324.0540.

Arab Islamic Bank Quarterly Data

Book Value per Share CPI Adj_Book
201603 0.968 238.132 1.317
201606 -3.742 241.018 -5.031
201609 -4.855 241.428 -6.517
201612 1.037 241.432 1.392
201703 1.069 243.801 1.421
201706 -3.642 244.955 -4.818
201709 1.095 246.819 1.438
201712 1.102 246.524 1.449
201803 1.116 249.554 1.449
201806 1.019 251.989 1.310
201809 1.039 252.439 1.334
201812 1.127 251.233 1.454
201903 1.121 254.202 1.429
201906 1.149 256.143 1.454
201909 1.170 256.759 1.477
201912 1.201 256.974 1.515
202003 1.182 258.115 1.484
202006 1.149 257.797 1.444
202009 1.164 260.280 1.449
202012 1.189 260.474 1.479
202103 1.193 264.877 1.460
202106 1.232 271.696 1.469
202109 1.287 274.310 1.520
202112 1.295 278.802 1.505
202203 1.331 287.504 1.500
202206 1.328 296.311 1.452
202209 1.365 296.808 1.490
202212 1.377 296.797 1.503
202303 1.378 301.836 1.479
202306 1.419 305.109 1.507
202309 1.406 307.789 1.480
202312 1.394 306.746 1.473
202403 1.421 312.332 1.474
202406 1.404 314.175 1.448
202409 1.404 315.301 1.443
202412 1.413 315.605 1.451
202503 1.435 319.799 1.454
202506 1.461 322.561 1.468
202509 1.473 324.800 1.470
202512 1.482 324.054 1.482

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 $0.94 mean?
Arab Islamic Bank (XPAE:AIB) has a Cyclically Adjusted Book per Share of $0.94 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 Arab Islamic Bank and its competitors.
Is Arab Islamic Bank's Cyclically Adjusted Book per Share too high?
Arab Islamic Bank's current Cyclically Adjusted Book per Share is $0.94. Overall, Arab Islamic Bank has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arab Islamic Bank's Cyclically Adjusted Book per Share compare to PNC and USB?
Arab Islamic Bank's Cyclically Adjusted Book per Share of $0.94 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 Arab Islamic Bank and its competitors. Arab Islamic Bank's current Cyclically Adjusted Book per Share is $0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arab Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Arab Islamic Bank (XPAE:AIB) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.24, compared to a current price of $1.11 — trading 10.5% below its estimated fair value. The current Cyclically Adjusted Book per Share is $0.94. Arab Islamic Bank's overall GF Score™ is 64/100 with 4 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 Arab Islamic Bank (XPAE:AIB), the current Cyclically Adjusted Book per Share is $0.94 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 Arab Islamic Bank (XPAE:AIB) Overvalued in 2026?

Based on GuruFocus' analysis, Arab Islamic Bank stock appears to be undervalued. The current stock price of $1.11 is trading 10.5% below its estimated GF Value™ of $1.24. GuruFocus considers Arab Islamic Bank to be Modestly Undervalued.

Key valuation signals for XPAE:AIB:

  • Cyclically Adjusted Book per Share: $0.94
  • GF Value™: $1.24 vs. price of $1.11 (10.5% below fair value)
  • GF Score™: 64/100 with 4 warning signs

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


Arab Islamic Bank Business Description

Address P.O. Box 631, Al- Bireh, Ramallah, PSE
Arab Islamic Bank is an Islamic banking firm in Palestine that provides banking and investment services according to Islamic Shari'a. The bank operates through three segments including Retail banking, Corporate banking, and Treasury. Its Retail Banking segment is engaged in handling individual customers' deposits and providing them with Islamic financing and other services. Its Corporate banking segment handles Islamic financing, deposits and current accounts for corporate and institutional customers. While its Treasury segment provides trading and treasury services and also manages Bank's funds and investments. The bank operates geographically in Palestine, Jordan, Israel and other countries, and earns majority of its revenue from Palestine.
64GF Score

Get the complete analysis for XPAE:AIB

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

$1.11
Price
$1.24
GF Value