BQAZF (Bank AudiL) Cyclically Adjusted PB Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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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.

BQAZF Bank Audi SAL BQAZF
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What is Bank AudiL Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Bank AudiL  (OTCPK:BQAZF) 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.


Bank AudiL Cyclically Adjusted PB Ratio Related Terms


Bank AudiL Cyclically Adjusted PB Ratio Historical Data

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The historical data trend for Bank AudiL'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.

Bank AudiL Cyclically Adjusted PB Ratio Chart

Bank AudiL 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 0.92 0.90 0.93 1.01 1.11

Bank AudiL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.99 0.98 1.11 1.09 1.08

BQAZF vs JPM, BAC, WFC: Cyclically Adjusted PB Ratio Comparison

For the Banks - Diversified subindustry, Bank AudiL'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.


Bank AudiL Cyclically Adjusted PB Ratio vs Banks Industry

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

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


BQAZF
100GF Score
Bank Audi SAL BQAZF
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank AudiL 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.

Bank AudiL's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Bank AudiL's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.973/333.9520*333.9520
=1.973

Current CPI (Jun. 2026) = 333.9520.

Bank AudiL Quarterly Data

Book Value per Share CPI Adj_Book
201512 7.283 236.525 10.283
201603 7.460 238.132 10.462
201606 7.221 241.018 10.005
201609 8.247 241.428 11.408
201612 7.891 241.432 10.915
201703 7.900 243.801 10.821
201706 7.994 244.955 10.898
201709 8.322 246.819 11.260
201712 8.793 246.524 11.911
201803 8.780 249.554 11.749
201806 8.175 251.989 10.834
201809 8.262 252.439 10.930
201812 8.250 251.233 10.966
201903 8.445 254.202 11.094
201906 8.057 256.143 10.504
201909 256.759 0.000
202006 6.226 257.797 8.065
202009 4.148 260.280 5.322
202012 3.985 260.474 5.109
202103 3.834 264.877 4.834
202106 3.639 271.696 4.473
202109 3.616 274.310 4.402
202112 3.212 278.802 3.847
202203 3.260 287.504 3.787
202206 2.635 296.311 2.970
202209 1.711 296.808 1.925
202212 5.774 296.797 6.497
202303 2.204 301.836 2.439
202306 1.807 305.109 1.978
202309 1.896 307.789 2.057
202403 1.618 312.332 1.730
202406 1.588 314.175 1.688
202409 1.650 315.301 1.748
202412 1.637 315.605 1.732
202503 1.610 319.799 1.681
202506 1.796 322.561 1.859
202509 1.844 324.800 1.896
202512 1.989 324.054 2.050
202603 1.976 330.213 1.998
202606 1.973 333.952 1.973

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.


Bank AudiL Business Description

Other Exchanges AUDI:LebanonAUSR:Lebanon
Address Omar Daouk Street, Bank Audi Plaza, P.O. Box 11-2560, Bab Idriss, Beirut, LBN
Bank Audi SAL offers universal banking products and services covering Corporate, Commercial, Individual, and Private Banking services to a diversified client base, mainly in the MENA region. It provides loans, deposits, trade finance, as well as regular Corporate and Commercial Banking activities. Its segments are Corporate and Commercial, Retail and personal, Treasury and capital markets, and Group functions and head office. It generates maximum revenue from providing Treasury services, which include transactions in money and capital markets for the Group's customers, managing investment and trading transactions (locally and internationally), and managing liquidity, foreign currency, and market risks. It operates in Lebanon, the Middle East and North Africa (MENA), and Europe.
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Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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