Turkiye Is Bankasi AS (IST:ISATR) Cyclically Adjusted PB Ratio: 2.07 (As of Jul. 22, 2026) — 29% Above Median

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IST:ISATR Turkiye Is Bankasi AS IST:ISATR
61 GF Score
Price ₺4,950,000.00
GF Value ₺7,026,973.68
! 2 Warning Signs
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What is Turkiye Is Bankasi AS Cyclically Adjusted PB Ratio?

Turkiye Is Bankasi AS IST:ISATR 61 Cyclically Adjusted PB Ratio is 2.07 as of Jul. 22, 2026, which is 29% above its 10-year median of 1.61. GuruFocus rates IST:ISATR with a GF Score™ of 61/100 and a GF Value™ of ₺7,026,973.68. The stock has 2 warning signs investors should review. Among 1,290 Banks companies, Turkiye Is Bankasi AS ranks worse than 82.79% on this metric.

As of today (2026-07-22), Turkiye Is Bankasi AS's current share price is ₺4950000.00. Turkiye Is Bankasi AS's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ₺2,390,432.80. Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio for today is 2.07.

The historical rank and industry rank for Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio or its related term are showing as below:

IST:ISATR' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.52   Med: 1.61   Max: 4.58
Current: 2.15

During the past years, Turkiye Is Bankasi AS's highest Cyclically Adjusted PB Ratio was 4.58. The lowest was 0.52. And the median was 1.61.

IST:ISATR's Cyclically Adjusted PB Ratio is ranked worse than
82.79% of 1290 companies
in the Banks industry
Industry Median: 1.26 vs IST:ISATR: 2.15

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Turkiye Is Bankasi AS's adjusted book value per share data for the three months ended in Mar. 2026 was ₺16.842. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₺2,390,432.80 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Turkiye Is Bankasi AS  (IST:ISATR) 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.


Turkiye Is Bankasi AS Cyclically Adjusted PB Ratio Related Terms


Turkiye Is Bankasi AS Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Turkiye Is Bankasi AS'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.

Turkiye Is Bankasi AS Cyclically Adjusted PB Ratio Chart

Turkiye Is Bankasi AS 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 0.69 2.05 2.80 3.01 2.40

Turkiye Is Bankasi AS 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 2.57 2.60 2.57 2.40 2.07

Turkiye Is Bankasi AS Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Turkiye Is Bankasi AS'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.


Turkiye Is Bankasi AS Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio falls into.


IST:ISATR
61GF Score
Turkiye Is Bankasi AS IST:ISATR
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Turkiye Is Bankasi AS 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.

Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=4950000.00/2390432.80
=2.07

* 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.

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

For example, Turkiye Is Bankasi AS'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)
=16.842/330.2130*330.2130
=16.842

Current CPI (Mar. 2026) = 330.2130.

Turkiye Is Bankasi AS Quarterly Data

Book Value per Share CPI Adj_Book
201606 1.468 241.018 2.011
201609 1.423 241.428 1.946
201612 1.593 241.432 2.179
201703 1.528 243.801 2.070
201706 1.713 244.955 2.309
201709 1.645 246.819 2.201
201712 1.717 246.524 2.300
201803 1.787 249.554 2.365
201806 1.805 251.989 2.365
201809 1.872 252.439 2.449
201812 1.984 251.233 2.608
201903 2.003 254.202 2.602
201906 2.092 256.143 2.697
201909 2.179 256.759 2.802
201912 2.346 256.974 3.015
202003 2.335 258.115 2.987
202006 2.508 257.797 3.213
202009 2.585 260.280 3.280
202012 2.698 260.474 3.420
202103 2.653 264.877 3.307
202106 2.780 271.696 3.379
202109 2.991 274.310 3.601
202112 3.477 278.802 4.118
202203 4.342 287.504 4.987
202206 4.995 296.311 5.566
202209 5.864 296.808 6.524
202212 7.650 296.797 8.511
202303 7.867 301.836 8.607
202306 8.330 305.109 9.015
202309 8.843 307.789 9.487
202312 10.728 306.746 11.549
202403 11.009 312.332 11.639
202406 11.422 314.175 12.005
202409 11.622 315.301 12.172
202412 12.727 315.605 13.316
202503 13.044 319.799 13.469
202506 14.416 322.561 14.758
202509 15.215 324.800 15.469
202512 17.122 324.054 17.447
202603 16.842 330.213 16.842

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.

What does a Cyclically Adjusted PB Ratio of 2.07 mean?
Turkiye Is Bankasi AS (IST:ISATR) has a Cyclically Adjusted PB Ratio of 2.07 as of Jul. 22, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Turkiye Is Bankasi AS and its competitors. This is 29% above median its historical median of 1.61. Over the past decade, Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio has ranged from 0.52 to 4.58. According to the industry distribution chart, Turkiye Is Bankasi AS ranks #1068 out of 1290 companies in the Banks industry, placing it in the top 82.8%.
Is Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio too high?
Turkiye Is Bankasi AS's current Cyclically Adjusted PB Ratio of 2.07 is 29% above median its 10-year median of 1.61. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 4.58. The Banks industry median Cyclically Adjusted PB Ratio is 1.26. Turkiye Is Bankasi AS's value of 2.07 is 64.3% above this industry median. Based on the distribution chart, Turkiye Is Bankasi AS ranks #1068 out of 1290 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Turkiye Is Bankasi AS has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Turkiye Is Bankasi AS's Cyclically Adjusted PB Ratio compare to competitors?
According to the Banks industry distribution chart, Turkiye Is Bankasi AS ranks #1068 out of 1290 companies for Cyclically Adjusted PB Ratio. This places Turkiye Is Bankasi AS in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.26. Turkiye Is Bankasi AS's value of 2.07 is 64.3% above this benchmark. Historically, Turkiye Is Bankasi AS's own Cyclically Adjusted PB Ratio has ranged from 0.52 to 4.58 over the past decade. While the company's 10-year median is 1.61 vs. the industry median of 1.26, Turkiye Is Bankasi AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Banks company?
The median Cyclically Adjusted PB Ratio among Banks companies is 1.26, based on 1,290 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Turkiye Is Bankasi AS's current Cyclically Adjusted PB Ratio of 2.07 is 64.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Turkiye Is Bankasi AS and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Turkiye Is Bankasi AS's current Cyclically Adjusted PB Ratio is 2.07, which is 29% above median its own 10-year median of 1.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Turkiye Is Bankasi AS stock overvalued right now?
Turkiye Is Bankasi AS (IST:ISATR) has a current Cyclically Adjusted PB Ratio of 2.07. The stock's GF Value™ is ₺7,026,973.68, compared to a current price of ₺4,950,000.00 — trading 29.6% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 2.07, which is 29% above median its 10-year median of 1.61 and 64.3% above the Banks industry median of 1.26. Turkiye Is Bankasi AS's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Turkiye Is Bankasi AS (IST:ISATR), the current Cyclically Adjusted PB Ratio is 2.07 as of Jul. 22, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Turkiye Is Bankasi AS (IST:ISATR) Overvalued in 2026?

Based on GuruFocus' analysis, Turkiye Is Bankasi AS stock appears to be undervalued. The current stock price of ₺4,950,000.00 is trading 29.6% below its estimated GF Value™ of ₺7,026,973.68.

Key valuation signals for IST:ISATR:

  • Cyclically Adjusted PB Ratio: 2.07 (29% above median its 10-year median of 1.61)
  • GF Value™: ₺7,026,973.68 vs. price of ₺4,950,000.00 (29.6% below fair value)
  • GF Score™: 61/100 with 2 warning signs
  • Industry Position: 64.3% above the Banks median (#1068 of 1290)

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


Turkiye Is Bankasi AS Business Description

Other Exchanges ISCTR:TurkeyISBTR:Turkey
Address Is Kuleleri, Levent, Istanbul, TUR, 34330
Turkiye Is Bankasi AS is a Turkish financial services group with operations in Europe, Asia, and the Middle East. The group provides banking services as well as insurance, pension, asset management, venture capital, investment banking, leasing and factoring, and brokerage and custody, among other services.
61GF Score

Get the complete analysis for IST:ISATR

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

₺4,950,000.00
Price
₺7,026,973.68
GF Value