Israel Discount Bank (FRA:5I70) Cyclically Adjusted PB Ratio: (As of Sep. 02, 2026)

Author: 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.

FRA:5I70 Israel Discount Bank Ltd FRA:5I70
65 GF Score
Price €86.00
GF Value €72.88
! 3 Warning Signs
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What is Israel Discount Bank 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


Israel Discount Bank  (FRA:5I70) 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.


Israel Discount Bank Cyclically Adjusted PB Ratio Related Terms


Israel Discount Bank Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Israel Discount 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.

Israel Discount Bank Cyclically Adjusted PB Ratio Chart

Israel Discount Bank 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 1.34 1.09 1.01 1.27 1.60

Israel Discount Bank 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 1.63 1.56 1.60 1.44 1.32

FRA:5I70 vs USB: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Israel Discount 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.


Israel Discount Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


FRA:5I70
65GF Score
Israel Discount Bank Ltd FRA:5I70
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Israel Discount 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.

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

For example, Israel Discount Bank'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)
=28.433/333.9520*333.9520
=28.433

Current CPI (Jun. 2026) = 333.9520.

Israel Discount Bank Quarterly Data

Book Value per Share CPI Adj_Book
201609 135.518 241.428 187.453
201612 12.467 241.432 17.245
201703 12.675 243.801 17.362
201706 12.862 244.955 17.535
201709 131.389 246.819 177.772
201712 133.979 246.524 181.494
201803 136.561 249.554 182.745
201806 139.740 251.989 185.192
201809 14.287 252.439 18.900
201812 14.734 251.233 19.585
201903 15.136 254.202 19.885
201906 156.080 256.143 203.493
201909 158.563 256.759 206.234
201912 160.461 256.974 208.528
202003 162.617 258.115 210.396
202006 163.262 257.797 211.491
202009 164.602 260.280 211.192
202012 164.791 260.474 211.277
202103 170.409 264.877 214.849
202106 177.866 271.696 218.622
202109 18.338 274.310 22.325
202112 18.456 278.802 22.107
202203 18.615 287.504 21.622
202206 18.989 296.311 21.401
202209 19.492 296.808 21.931
202212 20.113 296.797 22.631
202303 21.096 301.836 23.341
202306 218.398 305.109 239.044
202309 22.329 307.789 24.227
202312 23.018 306.746 25.060
202403 23.792 312.332 25.439
202406 245.423 314.175 260.872
202409 25.259 315.301 26.753
202412 25.605 315.605 27.093
202503 26.366 319.799 27.533
202506 26.821 322.561 27.768
202509 27.413 324.800 28.185
202512 27.638 324.054 28.482
202603 27.915 330.213 28.231
202606 28.433 333.952 28.433

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 Israel Discount Bank (FRA:5I70) Overvalued in 2026?

Based on GuruFocus' analysis, Israel Discount Bank stock appears to be overvalued. The current stock price of €86.00 is trading 18% above its estimated GF Value™ of €72.88.

Key valuation signals for FRA:5I70:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €72.88 vs. price of €86.00 (18% above fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the FRA:5I70 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Israel Discount Bank Business Description

Address 23 Yehuda Halevi Street, Tel Aviv, ISR, 65136
Israel Discount Bank Ltd and its subsidiaries engage in banking and financial services. The bank is headquartered in Israel and earns the majority of its revenue domestically. The bank operates through several segments organized by customer type, including Households, Private Banking, Small and minute businesses, Medium businesses, Large businesses, Institutional bodies, Financial management, and Other Segment.
65GF Score

Get the complete analysis for FRA:5I70

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

€86.00
Price
€72.88
GF Value