Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) Cyclically Adjusted PB Ratio: 0.44 (As of Jul. 30, 2026) — 24% Below Median

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BOG:BBVACOL Banco Bilbao Vizcaya Argentaria Colombia SA BOG:BBVACOL
12 GF Score
Price COP200.00
GF Value COP207.81
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Banco Bilbao Vizcaya Argentaria Colombia Cyclically Adjusted PB Ratio?

Banco Bilbao Vizcaya Argentaria Colombia BOG:BBVACOL 12 Cyclically Adjusted PB Ratio is 0.44 as of Jul. 30, 2026, which is 24% below its 10-year median of 0.58. GuruFocus rates BOG:BBVACOL with a GF Score™ of 12/100 and a GF Value™ of COP207.81 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,289 Banks companies, Banco Bilbao Vizcaya Argentaria Colombia ranks better than 90.07% on this metric.

As of today (2026-07-30), Banco Bilbao Vizcaya Argentaria Colombia's current share price is COP200.00. Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was COP451.22. Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio for today is 0.44.

The historical rank and industry rank for Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio or its related term are showing as below:

BOG:BBVACOL' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.41   Med: 0.58   Max: 1.25
Current: 0.44

During the past years, Banco Bilbao Vizcaya Argentaria Colombia's highest Cyclically Adjusted PB Ratio was 1.25. The lowest was 0.41. And the median was 0.58.

BOG:BBVACOL's Cyclically Adjusted PB Ratio is ranked better than
90.07% of 1289 companies
in the Banks industry
Industry Median: 1.27 vs BOG:BBVACOL: 0.44

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.

Banco Bilbao Vizcaya Argentaria Colombia's adjusted book value per share data for the three months ended in Mar. 2026 was COP440.102. 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 COP451.22 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Banco Bilbao Vizcaya Argentaria Colombia  (BOG:BBVACOL) 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.


Banco Bilbao Vizcaya Argentaria Colombia Cyclically Adjusted PB Ratio Related Terms


Banco Bilbao Vizcaya Argentaria Colombia Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Banco Bilbao Vizcaya Argentaria Colombia'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.

Banco Bilbao Vizcaya Argentaria Colombia Cyclically Adjusted PB Ratio Chart

Banco Bilbao Vizcaya Argentaria Colombia Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.00 1.05 0.60 0.43 0.52

Banco Bilbao Vizcaya Argentaria Colombia Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PB Ratio 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 0.42 0.41 0.42 0.52 0.53

BOG:BBVACOL vs PNC, USB: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Banco Bilbao Vizcaya Argentaria Colombia'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.


Banco Bilbao Vizcaya Argentaria Colombia Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio falls into.


BOG:BBVACOL
12GF Score
Banco Bilbao Vizcaya Argentaria Colombia SA BOG:BBVACOL
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Bilbao Vizcaya Argentaria Colombia 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.

Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=200.00/451.22
=0.44

* 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.

Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Banco Bilbao Vizcaya Argentaria Colombia's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book=Book Value per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=440.102/330.2130*330.2130
=440.102

Current CPI (Mar. 2026) = 330.2130.

Banco Bilbao Vizcaya Argentaria Colombia Quarterly Data

Book Value per Share CPI Adj_Book
201606 284.354 241.018 389.587
201609 282.743 241.428 386.722
201612 285.532 241.432 390.530
201703 284.202 243.801 384.934
201706 300.615 244.955 405.246
201709 308.890 246.819 413.256
201712 308.987 246.524 413.881
201803 284.180 249.554 376.031
201806 298.091 251.989 390.626
201809 308.708 252.439 403.818
201812 321.331 251.233 422.348
201903 315.300 254.202 409.580
201906 331.300 256.143 427.103
201909 348.885 256.759 448.695
201912 361.535 256.974 464.574
202003 341.276 258.115 436.603
202006 347.712 257.797 445.385
202009 368.774 260.280 467.858
202012 382.231 260.474 484.569
202103 374.249 264.877 466.563
202106 394.386 271.696 479.328
202109 412.370 274.310 496.409
202112 426.173 278.802 504.759
202203 413.249 287.504 474.638
202206 437.991 296.311 488.103
202209 451.668 296.808 502.502
202212 466.484 296.797 519.005
202303 444.582 301.836 486.379
202306 512.867 305.109 555.065
202309 511.420 307.789 548.680
202312 456.251 306.746 491.156
202403 451.577 312.332 477.430
202406 459.592 314.175 483.053
202409 427.693 315.301 447.921
202412 426.077 315.605 445.798
202503 426.611 319.799 440.503
202506 431.904 322.561 442.150
202509 440.271 324.800 447.608
202512 441.753 324.054 450.149
202603 440.102 330.213 440.102

Add all the adjusted book value per share together and divide the count will get our 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.

What does a Cyclically Adjusted PB Ratio of 0.44 mean?
Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) has a Cyclically Adjusted PB Ratio of 0.44 as of Jul. 30, 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 Banco Bilbao Vizcaya Argentaria Colombia and its competitors. This is 24% below median its historical median of 0.58. Over the past decade, Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio has ranged from 0.41 to 1.25. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria Colombia ranks #128 out of 1289 companies in the Banks industry, placing it in the top 9.9%.
Is Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio too high?
Banco Bilbao Vizcaya Argentaria Colombia's current Cyclically Adjusted PB Ratio of 0.44 is 24% below median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.25. The Banks industry median Cyclically Adjusted PB Ratio is 1.27. Banco Bilbao Vizcaya Argentaria Colombia's value of 0.44 is 65.4% below this industry median. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria Colombia ranks #128 out of 1289 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Bilbao Vizcaya Argentaria Colombia has a GF Score™ of 12/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Bilbao Vizcaya Argentaria Colombia's Cyclically Adjusted PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria Colombia ranks #128 out of 1289 companies for Cyclically Adjusted PB Ratio. This places Banco Bilbao Vizcaya Argentaria Colombia in the top 10% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PB Ratio is 1.27. Banco Bilbao Vizcaya Argentaria Colombia's value of 0.44 is 65.4% below this benchmark. Historically, Banco Bilbao Vizcaya Argentaria Colombia's own Cyclically Adjusted PB Ratio has ranged from 0.41 to 1.25 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.27, Banco Bilbao Vizcaya Argentaria Colombia 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 1,289 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. Banco Bilbao Vizcaya Argentaria Colombia's current Cyclically Adjusted PB Ratio of 0.44 is 65.4% 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 Banco Bilbao Vizcaya Argentaria Colombia 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. Banco Bilbao Vizcaya Argentaria Colombia's current Cyclically Adjusted PB Ratio is 0.44, which is 24% below median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Bilbao Vizcaya Argentaria Colombia stock overvalued right now?
Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) is currently considered Fairly Valued. The stock's GF Value™ is COP207.81, compared to a current price of COP200.00 — trading 3.8% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.44, which is 24% below median its 10-year median of 0.58 and 65.4% below the Banks industry median of 1.27. Banco Bilbao Vizcaya Argentaria Colombia's overall GF Score™ is 12/100 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 PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL), the current Cyclically Adjusted PB Ratio is 0.44 as of Jul. 30, 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 Banco Bilbao Vizcaya Argentaria Colombia (BOG:BBVACOL) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria Colombia stock appears to be undervalued. The current stock price of COP200.00 is trading 3.8% below its estimated GF Value™ of COP207.81. GuruFocus considers Banco Bilbao Vizcaya Argentaria Colombia to be Fairly Valued.

Key valuation signals for BOG:BBVACOL:

  • Cyclically Adjusted PB Ratio: 0.44 (24% below median its 10-year median of 0.58)
  • GF Value™: COP207.81 vs. price of COP200.00 (3.8% below fair value)
  • GF Score™: 12/100 with 4 warning signs
  • Industry Position: 65.4% below the Banks median (#128 of 1289)

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


Banco Bilbao Vizcaya Argentaria Colombia Business Description

Address Carrera 9 No. 72-21, Bogota, COL, 28046
Banco Bilbao Vizcaya Argentaria Colombia SA operates as a private banking institution. The company's main activities include providing loans to both public and private sector companies as well as individuals. It is also involved in international banking, privatizations, financial projects, and other general banking activities, as well as offering leasing services. The operating business segments are Commercial Banking, Enterprise and Institutional Banking, Corporate and Investment Banking, Asset and Liability Management, and Other Segments. The company operates in cities and towns throughout Colombia and it generates revenue through interest and service fees.
12GF Score

Get the complete analysis for BOG:BBVACOL

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

COP200.00
Price
COP207.81
GF Value