ERBKY (Eurobank) Cyclically Adjusted PB Ratio: (As of Jul. 30, 2026)

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

ERBKY Eurobank SA ERBKY
49 GF Score
Price $11.76
GF Value $6.97
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Eurobank Cyclically Adjusted PB Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PB Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Eurobank  (OTCPK:ERBKY) 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.


Eurobank Cyclically Adjusted PB Ratio Related Terms


Eurobank Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Eurobank'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.

Eurobank Cyclically Adjusted PB Ratio Chart

Eurobank 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 0.00 0.00 0.18 0.50 1.41

Eurobank 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 0.68 0.94 1.35 1.41 1.38

ERBKY vs PNC, USB: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Eurobank'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.


Eurobank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


ERBKY
49GF Score
Eurobank SA ERBKY
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Eurobank 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.

Eurobank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Eurobank'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)
=3.475/330.2130*330.2130
=3.475

Current CPI (Mar. 2026) = 330.2130.

Eurobank Quarterly Data

Book Value per Share CPI Adj_Book
201606 2.880 241.018 3.946
201609 2.887 241.428 3.949
201612 2.803 241.432 3.834
201703 2.854 243.801 3.866
201706 3.071 244.955 4.140
201709 3.241 246.819 4.336
201712 3.358 246.524 4.498
201803 2.849 249.554 3.770
201806 2.708 251.989 3.549
201809 2.702 252.439 3.534
201812 2.625 251.233 3.450
201903 2.626 254.202 3.411
201906 1.952 256.143 2.516
201909 1.954 256.759 2.513
201912 1.999 256.974 2.569
202003 1.967 258.115 2.516
202006 1.654 257.797 2.119
202009 1.699 260.280 2.155
202012 1.727 260.474 2.189
202103 1.709 264.877 2.131
202106 1.772 271.696 2.154
202109 1.735 274.310 2.089
202112 1.688 278.802 1.999
202203 1.682 287.504 1.932
202206 1.772 296.311 1.975
202209 1.690 296.808 1.880
202212 1.895 296.797 2.108
202303 1.992 301.836 2.179
202306 2.152 305.109 2.329
202309 2.172 307.789 2.330
202312 2.354 306.746 2.534
202403 2.430 312.332 2.569
202406 2.532 314.175 2.661
202409 2.640 315.301 2.765
202412 2.536 315.605 2.653
202503 2.707 319.799 2.795
202506 3.046 322.561 3.118
202509 3.200 324.800 3.253
202512 3.432 324.054 3.497
202603 3.475 330.213 3.475

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 Eurobank (ERBKY) Overvalued in 2026?

Based on GuruFocus' analysis, Eurobank stock appears to be overvalued. The current stock price of $11.76 is trading 68.7% above its estimated GF Value™ of $6.97. GuruFocus considers Eurobank to be Significantly Overvalued.

Key valuation signals for ERBKY:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: $6.97 vs. price of $11.76 (68.7% above fair value)
  • GF Score™: 49/100 with 7 warning signs

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


Eurobank Business Description

Address 8 Othonos Street, Athens, GRC, 105 57
Eurobank SA operates as a universal bank offering a comprehensive suite of financial services. It provides retail, corporate and private banking, asset management, treasury, capital market, and other services in Greece, Bulgaria, Cyprus, and Luxembourg. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, consumer loans, small business banking, and mortgages, overdrafts, loans and other credit facilities, and Others services. It also provides custody and clearing services, cash management and trade service, and investment banking services. The operating segments of the company are: Retail, Corporate, Markets, Investment Property, RSS, and International. Geographically, the Group is active in Greece, Cyprus, Bulgaria and Luxembourg.
49GF Score

Get the complete analysis for ERBKY

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

$11.76
Price
$6.97
GF Value