CTBK (City Bank) Cyclically Adjusted PB Ratio: (As of Jul. 26, 2026)

Author: Vera Yuan Vera Yuan
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What is City Bank Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


City Bank  (OTCPK:CTBK) 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.


City Bank Cyclically Adjusted PB Ratio Related Terms


City Bank Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for City Bank'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.

City Bank Cyclically Adjusted PB Ratio Chart

City Bank Annual Data
Trend Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08
Cyclically Adjusted PB Ratio
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City Bank Quarterly Data
Sep04 Dec04 Mar05 Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09
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 0.00 0.00 0.00 0.00 0.00

CTBK vs VSBN, FSBC, UWHR: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, City 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.


City Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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



City Bank 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.

City Bank's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2009 is calculated as:

For example, City Bank's adjusted Book Value per Share data for the three months ended in Jun. 2009 was:

Adj_Book=Book Value per Share/CPI of Jun. 2009 (Change)*Current CPI (Jun. 2009)
=6.997/215.6930*215.6930
=6.997

Current CPI (Jun. 2009) = 215.6930.

City Bank Quarterly Data

Book Value per Share CPI Adj_Book
199909 7.805 167.900 10.027
199912 6.381 168.300 8.178
200003 6.978 171.200 8.792
200006 7.270 172.400 9.096
200009 7.584 173.700 9.417
200012 7.845 174.000 9.725
200103 8.144 176.200 9.969
200106 8.432 178.000 10.218
200109 8.740 178.300 10.573
200112 8.992 176.700 10.976
200203 9.285 178.800 11.201
200206 9.546 179.900 11.445
200209 9.811 181.000 11.692
200212 10.097 180.900 12.039
200303 10.361 184.200 12.132
200306 10.643 183.700 12.497
200309 10.107 185.200 11.771
200312 10.296 184.300 12.050
200403 10.522 187.400 12.111
200406 10.785 189.700 12.263
200409 10.415 189.900 11.830
200412 9.982 190.300 11.314
200503 10.232 193.300 11.417
200506 10.601 194.500 11.756
200509 12.754 198.800 13.838
200512 11.303 196.800 12.388
200603 11.797 199.800 12.735
200606 12.266 202.900 13.039
200609 12.721 202.900 13.523
200612 12.257 201.800 13.101
200703 12.822 205.352 13.468
200706 13.306 208.352 13.775
200709 13.825 208.490 14.303
200712 13.310 210.036 13.668
200803 13.790 213.528 13.930
200806 13.972 218.815 13.773
200809 13.124 218.783 12.939
200812 8.954 210.228 9.187
200903 8.445 212.709 8.563
200906 6.997 215.693 6.997

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.


City Bank Business Description

Address 5219 City Bank Parkway, Lubbock, TX, USA, 79407
City Bank is engaged in general commercial and retail banking, with an emphasis on small and medium-sized businesses, construction lending for single-family residences and home mortgage lending.