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.
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.
Infinity Trust Mortgage BankNSA:INFINITY 58 Cyclically Adjusted PB Ratio is 12.10 as of Jul. 16, 2026, which is 38% above its 10-year median of 8.75. GuruFocus rates NSA:INFINITY with a GF Score™ of 58/100 and a GF Value™ of ₦11.72 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,298 Banks companies, Infinity Trust Mortgage Bank ranks worse than 99.61% on this metric.
The historical rank and industry rank for Infinity Trust Mortgage Bank's Cyclically Adjusted PB Ratio or its related term are showing as below:
NSA:INFINITY'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 3.76 Med: 8.75 Max: 12.11
Current: 12.11
During the past 12 years, Infinity Trust Mortgage Bank's highest Cyclically Adjusted PB Ratio was 12.11. The lowest was 3.76. And the median was 8.75.
NSA:INFINITY's Cyclically Adjusted PB Ratio is ranked worse than 99.61% of 1298
companies
in the Banks industry
Industry Median: 1.25
vs NSA:INFINITY: 12.11
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.
Infinity Trust Mortgage Bank's adjusted book value per share data of for the fiscal year that ended in Dec25 was ₦1.412. 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 ₦0.93 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Infinity Trust Mortgage Bank (NSA:INFINITY) 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.
Infinity Trust Mortgage Bank Cyclically Adjusted PB Ratio Related Terms
Infinity Trust Mortgage Bank Cyclically Adjusted PB Ratio Historical Data
* 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.
Infinity Trust Mortgage Bank Cyclically Adjusted PB Ratio Chart
NSA:INFINITY vs RKT, FNMA, PFSI: Cyclically Adjusted PB Ratio Comparison
For the Mortgage Finance subindustry, Infinity Trust Mortgage 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.
Infinity Trust Mortgage Bank Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Infinity Trust Mortgage Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Infinity Trust Mortgage Bank's Cyclically Adjusted PB Ratio falls into.
Infinity Trust Mortgage 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.
* 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.
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 12.10 mean?
Infinity Trust Mortgage Bank (NSA:INFINITY) has a Cyclically Adjusted PB Ratio of 12.10 as of Jul. 16, 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 Infinity Trust Mortgage Bank and its competitors. This is 38% above median its historical median of 8.75. Over the past decade, Infinity Trust Mortgage Bank's Cyclically Adjusted PB Ratio has ranged from 3.76 to 12.11. According to the industry distribution chart, Infinity Trust Mortgage Bank ranks #1293 out of 1298 companies in the Banks industry, placing it in the top 99.6%.
Is Infinity Trust Mortgage Bank's Cyclically Adjusted PB Ratio too high?
Infinity Trust Mortgage Bank's current Cyclically Adjusted PB Ratio of 12.10 is 38% above median its 10-year median of 8.75. Over the past 10 years, this metric has ranged from a low of 3.76 to a high of 12.11. The Banks industry median Cyclically Adjusted PB Ratio is 1.25. Infinity Trust Mortgage Bank's value of 12.10 is 868% above this industry median. Based on the distribution chart, Infinity Trust Mortgage Bank ranks #1293 out of 1298 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Infinity Trust Mortgage Bank has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Infinity Trust Mortgage Bank's Cyclically Adjusted PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Infinity Trust Mortgage Bank ranks #1293 out of 1298 companies for Cyclically Adjusted PB Ratio. This places Infinity Trust Mortgage Bank in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.25. Infinity Trust Mortgage Bank's value of 12.10 is 868% above this benchmark. Historically, Infinity Trust Mortgage Bank's own Cyclically Adjusted PB Ratio has ranged from 3.76 to 12.11 over the past decade. While the company's 10-year median is 8.75 vs. the industry median of 1.25, Infinity Trust Mortgage Bank 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 1.25, based on 1,298 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. Infinity Trust Mortgage Bank's current Cyclically Adjusted PB Ratio of 12.10 is 868% 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 Infinity Trust Mortgage Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Infinity Trust Mortgage Bank's current Cyclically Adjusted PB Ratio is 12.10, which is 38% above median its own 10-year median of 8.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Infinity Trust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, Infinity Trust Mortgage Bank (NSA:INFINITY) is currently considered Fairly Valued. The stock's GF Value™ is ₦11.72, compared to a current price of ₦11.25 — trading 4% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 12.10, which is 38% above median its 10-year median of 8.75 and 868% above the Banks industry median of 1.25. Infinity Trust Mortgage Bank's overall GF Score™ is 58/100 with 6 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 Infinity Trust Mortgage Bank (NSA:INFINITY), the current Cyclically Adjusted PB Ratio is 12.10 as of Jul. 16, 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 Infinity Trust Mortgage Bank (NSA:INFINITY) Overvalued in 2026?
Based on GuruFocus' analysis, Infinity Trust Mortgage Bank stock appears to be undervalued.
The current stock price of ₦11.25 is trading 4% below its estimated GF Value™ of ₦11.72.
GuruFocus considers Infinity Trust Mortgage Bank to be Fairly Valued.
Key valuation signals for NSA:INFINITY:
Cyclically Adjusted PB Ratio: 12.10 (38% above median its 10-year median of 8.75)
GF Value™: ₦11.72 vs. price of ₦11.25 (4% below fair value)
Industry Position: 868% above the Banks median (#1293 of 1298)
No single metric tells the full story. See the NSA:INFINITY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Infinity Trust Mortgage Bank PLC provides mortgage finance. The company's products and services includes Mortgage Finance, Fund Management, and Electronic Banking services.
58GF Score
Get the complete analysis for NSA:INFINITY
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:INFINITY has been successfully added to your 
