Commercial International Bank (Egypt) CIB (CAI:COMI) Cyclically Adjusted PB Ratio: (As of Sep. 20, 2026)

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

CAI:COMI Commercial International Bank (Egypt) CIB CAI:COMI
76 GF Score
Price E£132.50
GF Value E£132.01
Valuation Fairly Valued
! 5 Warning Signs
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What is Commercial International Bank (Egypt) CIB Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Commercial International Bank (Egypt) CIB  (CAI:COMI) 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.


Commercial International Bank (Egypt) CIB Cyclically Adjusted PB Ratio Related Terms


Commercial International Bank (Egypt) CIB Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Commercial International Bank (Egypt) CIB'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.

Commercial International Bank (Egypt) CIB Cyclically Adjusted PB Ratio Chart

Commercial International Bank (Egypt) CIB 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 2.95 2.86 4.17 3.53 3.83

Commercial International Bank (Egypt) CIB Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 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 3.68 4.10 4.31 4.69 4.60

Commercial International Bank (Egypt) CIB Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Commercial International Bank (Egypt) CIB'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.


Commercial International Bank (Egypt) CIB Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Commercial International Bank (Egypt) CIB's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Commercial International Bank (Egypt) CIB's Cyclically Adjusted PB Ratio falls into.


CAI:COMI
76GF Score
Commercial International Bank (Egypt) CIB CAI:COMI
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Commercial International Bank (Egypt) CIB 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.

Commercial International Bank (Egypt) CIB's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Commercial International Bank (Egypt) CIB'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)
=70.017/333.9520*333.9520
=70.017

Current CPI (Jun. 2026) = 333.9520.

Commercial International Bank (Egypt) CIB Quarterly Data

Book Value per Share CPI Adj_Book
201609 6.079 241.428 8.409
201612 6.758 241.432 9.348
201703 243.801 0.000
201706 7.541 244.955 10.281
201709 8.304 246.819 11.236
201712 8.875 246.524 12.022
201803 8.682 249.554 11.618
201806 8.902 251.989 11.798
201809 9.439 252.439 12.487
201812 10.636 251.233 14.138
201903 12.006 254.202 15.773
201906 13.011 256.143 16.963
201909 14.806 256.759 19.257
201912 16.005 256.974 20.799
202003 14.234 258.115 18.416
202006 16.309 257.797 21.127
202009 16.724 260.280 21.458
202012 18.390 260.474 23.578
202103 18.388 264.877 23.183
202106 19.424 271.696 23.875
202109 20.384 274.310 24.816
202112 21.256 278.802 25.461
202203 20.022 287.504 23.257
202206 20.132 296.311 22.689
202209 19.815 296.808 22.295
202212 20.830 296.797 23.438
202303 18.694 301.836 20.683
202306 20.664 305.109 22.617
202309 23.314 307.789 25.296
202312 27.290 306.746 29.710
202403 30.406 312.332 32.511
202406 35.662 314.175 37.907
202409 41.346 315.301 43.792
202412 45.652 315.605 48.306
202503 47.265 319.799 49.357
202506 52.489 322.561 54.343
202509 61.590 324.800 63.325
202512 68.537 324.054 70.630
202603 63.996 330.213 64.721
202606 70.017 333.952 70.017

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.

Is Commercial International Bank (Egypt) CIB (CAI:COMI) Overvalued in 2026?

Based on GuruFocus' analysis, Commercial International Bank (Egypt) CIB stock appears to be overvalued. The current stock price of E£132.50 is trading 0.4% above its estimated GF Value™ of E£132.01. GuruFocus considers Commercial International Bank (Egypt) CIB to be Fairly Valued.

Key valuation signals for CAI:COMI:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: E£132.01 vs. price of E£132.50 (0.4% above fair value)
  • GF Score™: 76/100 with 5 warning signs

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


Commercial International Bank (Egypt) CIB Business Description

Address 21/23 Charles De Gaulle Street, Nile Tower Building, Giza, EGY
Commercial International Bank (Egypt) CIB is a private-sector bank in Egypt. It provides retail, corporate and investment banking services to retail customers, high-net-worth individuals, and enterprises and institutions across Egypt. The company's business segments are: i) Corporate banking & SME's, Investment, Retail banking, Assets and liabilities management. The majority of the company's revenue is derived from the Corporate banking & SME's segment, which includes current account activities, deposits, overdrafts, loans, credit facilities, and financial derivatives to large, medium, and small entities, currency and derivative products.
76GF Score

Get the complete analysis for CAI:COMI

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

E£132.50
Price
E£132.01
GF Value