Private Bancorp of America (FRA:UO9) Cyclically Adjusted PB Ratio: (As of Aug. 27, 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.
Reviewed by: Charlie Tian Charlie Tian
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.

FRA:UO9 Private Bancorp of America Inc FRA:UO9
66 GF Score
Price €75.00
GF Value €54.02
! 4 Warning Signs
View Full Analysis

What is Private Bancorp of America 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


Private Bancorp of America  (FRA:UO9) 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.


Private Bancorp of America Cyclically Adjusted PB Ratio Related Terms


Private Bancorp of America Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Private Bancorp of America'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.

Private Bancorp of America Cyclically Adjusted PB Ratio Chart

Private Bancorp of America 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 1.57 1.65 1.62 2.38 2.08

Private Bancorp of America 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 2.08 2.19 2.08 2.35 0.00

FRA:UO9 vs : Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Private Bancorp of America'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.


Private Bancorp of America Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where Private Bancorp of America's Cyclically Adjusted PB Ratio falls into.


FRA:UO9
66GF Score
Private Bancorp of America Inc FRA:UO9
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Private Bancorp of America 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.

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

For example, Private Bancorp of America'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)
=47.722/330.2130*330.2130
=47.722

Current CPI (Mar. 2026) = 330.2130.

Private Bancorp of America Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.000 241.018 0.000
201609 0.000 241.428 0.000
201612 14.202 241.432 19.424
201703 0.000 243.801 0.000
201706 15.702 244.955 21.167
201709 15.946 246.819 21.334
201712 15.879 246.524 21.270
201803 16.009 249.554 21.183
201806 16.011 251.989 20.981
201809 16.226 252.439 21.225
201812 16.405 251.233 21.562
201903 16.906 254.202 21.961
201906 19.214 256.143 24.770
201909 16.721 256.759 21.505
201912 17.153 256.974 22.042
202003 17.598 258.115 22.514
202006 17.988 257.797 23.041
202009 18.504 260.280 23.476
202012 19.238 260.474 24.389
202103 19.867 264.877 24.768
202106 20.706 271.696 25.166
202109 21.698 274.310 26.120
202112 22.808 278.802 27.014
202203 23.422 287.504 26.901
202206 23.316 296.311 25.984
202209 24.121 296.808 26.836
202212 25.598 296.797 28.480
202303 26.835 301.836 29.358
202306 29.320 305.109 31.732
202309 30.629 307.789 32.860
202312 32.485 306.746 34.970
202403 33.934 312.332 35.877
202406 35.027 314.175 36.815
202409 37.216 315.301 38.976
202412 38.761 315.605 40.555
202503 40.635 319.799 41.958
202506 42.539 322.561 43.548
202509 44.452 324.800 45.193
202512 46.083 324.054 46.959
202603 47.722 330.213 47.722

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 Private Bancorp of America (FRA:UO9) Overvalued in 2026?

Based on GuruFocus' analysis, Private Bancorp of America stock appears to be overvalued. The current stock price of €75.00 is trading 38.8% above its estimated GF Value™ of €54.02.

Key valuation signals for FRA:UO9:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €54.02 vs. price of €75.00 (38.8% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the FRA:UO9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Private Bancorp of America Business Description

Comparable Companies
Other Exchanges PBAM:USA
Address 9404 Genesee Avenue, Suite 100, La Jolla, CA, USA, 90237
Private Bancorp of America Inc is a commercial bank chartered by the State of California. It provides comprehensive banking services, including deposit accounts, treasury management services, and lending solutions tailored to high-net-worth individuals, professionals, family offices, closely-held businesses, real estate entrepreneurs, and small to mid-sized businesses. Lending activities include commercial real estate loans, commercial and industrial loans, and government-guaranteed lending programs.
66GF Score

Get the complete analysis for FRA:UO9

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

€75.00
Price
€54.02
GF Value