Bank of Ireland Group (FRA:BIRB) Cyclically Adjusted PB Ratio: (As of Sep. 20, 2026)

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FRA:BIRB Bank of Ireland Group PLC FRA:BIRB
38 GF Score
Price €20.00
GF Value €11.18
! 6 Warning Signs
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What is Bank of Ireland Group Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Bank of Ireland Group  (FRA:BIRB) 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.


Bank of Ireland Group Cyclically Adjusted PB Ratio Related Terms


Bank of Ireland Group Cyclically Adjusted PB Ratio Historical Data

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The historical data trend for Bank of Ireland Group'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.

Bank of Ireland Group Cyclically Adjusted PB Ratio Chart

Bank of Ireland Group 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 0.56 0.87 0.78 0.80 1.43

Bank of Ireland Group Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 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 0.87 0.80 1.10 1.46 1.51

FRA:BIRB vs USB, PNC: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Bank of Ireland Group'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.


Bank of Ireland Group Cyclically Adjusted PB Ratio vs Banks Industry

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

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


FRA:BIRB
38GF Score
Bank of Ireland Group PLC FRA:BIRB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Ireland Group 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.

Bank of Ireland Group's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Bank of Ireland Group's adjusted Book Value per Share data for the fiscal year that ended in Dec25 was:

Adj_Book=Book Value per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=12.319/125.7700*125.7700
=12.319

Current CPI (Dec25) = 125.7700.

Bank of Ireland Group Annual Data

Book Value per Share CPI Adj_Book
201612 8.052 99.676 10.160
201712 8.961 100.075 11.262
201812 9.222 100.773 11.510
201912 9.715 102.068 11.971
202012 8.061 101.072 10.031
202112 9.643 106.653 11.371
202212 9.874 115.436 10.758
202312 10.982 120.749 11.439
202412 11.918 122.439 12.242
202512 12.319 125.770 12.319

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 Bank of Ireland Group (FRA:BIRB) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Ireland Group stock appears to be overvalued. The current stock price of €20.00 is trading 78.9% above its estimated GF Value™ of €11.18.

Key valuation signals for FRA:BIRB:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €11.18 vs. price of €20.00 (78.9% above fair value)
  • GF Score™: 38/100 with 6 warning signs

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


Bank of Ireland Group Business Description

Address 2 College Green, Dublin, IRL, D02 VR66
Bank of Ireland Group PLC is an Irish financial services group operating mostly in Ireland and the United Kingdom. Services include mortgages, business, and corporate lending, term loans, leasing, foreign exchange, life assurance, and pension products, among others. The bank's trading divisions include Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Commercial , and Group Centre. The bank generates the majority of its revenue from Retail Ireland and serves consumer and business customers across a broad range of segments and sectors. Revenue is also derived from fees for a range of banking and transaction services. The bank has access to distribution in the United Kingdom via its relationship as a financial services partner with the nation's post office.
38GF Score

Get the complete analysis for FRA:BIRB

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

€20.00
Price
€11.18
GF Value