Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Baker Boyer BancorpBBBK 64 Cyclically Adjusted PB Ratio is 0.86 as of Aug. 03, 2026, which is 41% below its 10-year median of 1.47. GuruFocus rates BBBK with a GF Score™ of 64/100 and a GF Value™ of $45.28 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,286 Banks companies, Baker Boyer Bancorp ranks better than 72.08% on this metric.
The historical rank and industry rank for Baker Boyer Bancorp's Cyclically Adjusted PB Ratio or its related term are showing as below:
BBBK'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 1.47 Max: 2.06
Current: 0.86
During the past years, Baker Boyer Bancorp's highest Cyclically Adjusted PB Ratio was 2.06. The lowest was 0.63. And the median was 1.47.
BBBK's Cyclically Adjusted PB Ratio is ranked better than 72.08% of 1286
companies
in the Banks industry
Industry Median: 1.27
vs BBBK: 0.86
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.
Baker Boyer Bancorp's adjusted book value per share data for the three months ended in Jun. 2026 was $45.870. 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 $50.20 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Baker Boyer Bancorp (OTCPK:BBBK) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Baker Boyer Bancorp Cyclically Adjusted PB Ratio Related Terms
Baker Boyer Bancorp Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for Baker Boyer Bancorp's Cyclically Adjusted PB Ratio 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.
Baker Boyer Bancorp Cyclically Adjusted PB Ratio Chart
BBBK vs CIBH, NIDB, INFT: Cyclically Adjusted PB Ratio Comparison
For the Banks - Regional subindustry, Baker Boyer Bancorp'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.
Baker Boyer Bancorp Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Baker Boyer Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Baker Boyer Bancorp's Cyclically Adjusted PB Ratio falls into.
Baker Boyer Bancorp Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
Baker Boyer Bancorp's Cyclically Adjusted PB Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.86 mean?
Baker Boyer Bancorp (BBBK) has a Cyclically Adjusted PB Ratio of 0.86 as of Aug. 03, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Baker Boyer Bancorp and its competitors. This is 41% below median its historical median of 1.47. Over the past decade, Baker Boyer Bancorp's Cyclically Adjusted PB Ratio has ranged from 0.63 to 2.06. According to the industry distribution chart, Baker Boyer Bancorp ranks #359 out of 1286 companies in the Banks industry, placing it in the top 27.9%.
Is Baker Boyer Bancorp's Cyclically Adjusted PB Ratio too high?
Baker Boyer Bancorp's current Cyclically Adjusted PB Ratio of 0.86 is 41% below median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 2.06. The Banks industry median Cyclically Adjusted PB Ratio is 1.27. Baker Boyer Bancorp's value of 0.86 is 32.3% below this industry median. Based on the distribution chart, Baker Boyer Bancorp ranks #359 out of 1286 companies in the Banks industry, which is above the industry midpoint. Overall, Baker Boyer Bancorp has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Baker Boyer Bancorp's Cyclically Adjusted PB Ratio compare to CIBH and NIDB?
According to the Banks industry distribution chart, Baker Boyer Bancorp ranks #359 out of 1286 companies for Cyclically Adjusted PB Ratio. This puts Baker Boyer Bancorp in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.27. Baker Boyer Bancorp's value of 0.86 is 32.3% below this benchmark. Historically, Baker Boyer Bancorp's own Cyclically Adjusted PB Ratio has ranged from 0.63 to 2.06 over the past decade. While the company's 10-year median is 1.47 vs. the industry median of 1.27, Baker Boyer Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.27, based on 1,286 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Baker Boyer Bancorp's current Cyclically Adjusted PB Ratio of 0.86 is 32.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Baker Boyer Bancorp and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baker Boyer Bancorp's current Cyclically Adjusted PB Ratio is 0.86, which is 41% below median its own 10-year median of 1.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baker Boyer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Baker Boyer Bancorp (BBBK) is currently considered Fairly Valued. The stock's GF Value™ is $45.28, compared to a current price of $42.99 — trading 5.1% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.86, which is 41% below median its 10-year median of 1.47 and 32.3% below the Banks industry median of 1.27. Baker Boyer Bancorp's overall GF Score™ is 64/100 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Baker Boyer Bancorp (BBBK), the current Cyclically Adjusted PB Ratio is 0.86 as of Aug. 03, 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 Baker Boyer Bancorp (BBBK) Overvalued in 2026?
Based on GuruFocus' analysis, Baker Boyer Bancorp stock appears to be undervalued.
The current stock price of $42.99 is trading 5.1% below its estimated GF Value™ of $45.28.
GuruFocus considers Baker Boyer Bancorp to be Fairly Valued.
Key valuation signals for BBBK:
Cyclically Adjusted PB Ratio: 0.86 (41% below median its 10-year median of 1.47)
GF Value™: $45.28 vs. price of $42.99 (5.1% below fair value)
Industry Position: 32.3% below the Banks median (#359 of 1286)
No single metric tells the full story. See the BBBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baker Boyer Bancorp and its wholly-owned subsidiary provide banking services predominantly to the greater Walla Walla, Columbia Valley, and Yakima area of south eastern Washington and north eastern Oregon. The company offers its services to individuals, small businesses, and the agricultural industry. The primary sources of revenue for the company are loans, investment securities, and wealth management services.
64GF Score
Get the complete analysis for BBBK
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BBBK has been successfully added to your 
