Patria Bank (FRA:5VH) Cyclically Adjusted PB Ratio: (As of Aug. 13, 2026)

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

FRA:5VH Patria Bank SA FRA:5VH
36 GF Score
Price €0.02
GF Value €0.01
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Patria 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


Patria Bank  (FRA:5VH) 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.


Patria Bank Cyclically Adjusted PB Ratio Related Terms


Patria Bank Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Patria 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.

Patria Bank Cyclically Adjusted PB Ratio Chart

Patria 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 0.00 0.00 0.00 0.00 0.88

Patria Bank 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 0.00 0.00 0.80 0.88 1.00

FRA:5VH vs PNC, USB: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Patria 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.


Patria Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


FRA:5VH
36GF Score
Patria Bank SA FRA:5VH
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Patria 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.

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

For example, Patria Bank'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)
=0.029/330.2130*330.2130
=0.029

Current CPI (Mar. 2026) = 330.2130.

Patria Bank Quarterly Data

Book Value per Share CPI Adj_Book
201112 0.017 225.672 0.025
201209 0.019 231.407 0.027
201212 0.020 229.601 0.029
201312 0.022 233.049 0.031
201412 0.011 234.812 0.015
201512 0.018 236.525 0.025
201612 0.019 241.432 0.026
201709 0.021 246.819 0.028
201712 0.019 246.524 0.025
201806 0.017 251.989 0.022
201812 0.019 251.233 0.025
201903 0.000 254.202 0.000
201906 0.019 256.143 0.024
201909 0.000 256.759 0.000
201912 0.020 256.974 0.026
202003 0.020 258.115 0.026
202006 0.020 257.797 0.026
202009 0.020 260.280 0.025
202012 0.020 260.474 0.025
202103 0.020 264.877 0.025
202106 0.021 271.696 0.026
202109 0.020 274.310 0.024
202112 0.020 278.802 0.024
202203 0.019 287.504 0.022
202206 0.018 296.311 0.020
202209 0.018 296.808 0.020
202212 0.019 296.797 0.021
202303 0.020 301.836 0.022
202306 0.021 305.109 0.023
202309 0.021 307.789 0.023
202312 0.023 306.746 0.025
202403 0.023 312.332 0.024
202406 0.024 314.175 0.025
202409 0.025 315.301 0.026
202412 0.025 315.605 0.026
202503 0.025 319.799 0.026
202506 0.026 322.561 0.027
202509 0.028 324.800 0.028
202512 0.029 324.054 0.030
202603 0.029 330.213 0.029

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 Patria Bank (FRA:5VH) Overvalued in 2026?

Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued. The current stock price of €0.02 is trading 100% above its estimated GF Value™ of €0.01. GuruFocus considers Patria Bank to be Significantly Overvalued.

Key valuation signals for FRA:5VH:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €0.01 vs. price of €0.02 (100% above fair value)
  • GF Score™: 36/100 with 6 warning signs

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


Patria Bank Business Description

Other Exchanges PBK:Romania
Address 42 Pipera Road, Globalworth Plaza building, floors 7, 8 and 10, Bucharest, ROU, 020112
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
36GF Score

Get the complete analysis for FRA:5VH

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

€0.02
Price
€0.01
GF Value