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Summit Bank GroupSBKO -0.99%60 Cyclically Adjusted PB Ratio is 2.32 as of Sep. 16, 2026, which is 27% above its 10-year median of 1.82. GuruFocus rates SBKO with a GF Score™ of 60/100 and a GF Value™ of $16.68 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,273 Banks companies, Summit Bank Group ranks worse than 86.33% on this metric.
Summit Bank Group (OTCPK:SBKO) 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.
Summit Bank Group Cyclically Adjusted PB Ratio Related Terms
Summit Bank Group Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Summit Bank 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.
Summit Bank Group Cyclically Adjusted PB Ratio Chart
SBKO vs FINW, CSBB, RBKB: Cyclically Adjusted PB Ratio Comparison
For the Banks - Regional subindustry, Summit Bank 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.
Summit Bank Group Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bank Group's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Summit Bank Group's Cyclically Adjusted PB Ratio falls into.
Summit Bank 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.
Summit Bank Group does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.
What does a Cyclically Adjusted PB Ratio of 2.32 mean?
Summit Bank Group (SBKO) has a Cyclically Adjusted PB Ratio of 2.32 as of Sep. 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 Summit Bank Group and its competitors. This is 27% above median its historical median of 1.82. Over the past decade, Summit Bank Group's Cyclically Adjusted PB Ratio has ranged from 1.50 to 2.42. According to the industry distribution chart, Summit Bank Group ranks #1099 out of 1273 companies in the Banks industry, placing it in the top 86.3%.
Is Summit Bank Group's Cyclically Adjusted PB Ratio too high?
Summit Bank Group's current Cyclically Adjusted PB Ratio of 2.32 is 27% above median its 10-year median of 1.82. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 2.42. The Banks industry median Cyclically Adjusted PB Ratio is 1.29. Summit Bank Group's value of 2.32 is 79.8% above this industry median. Based on the distribution chart, Summit Bank Group ranks #1099 out of 1273 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Summit Bank Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bank Group's Cyclically Adjusted PB Ratio compare to FINW and CSBB?
According to the Banks industry distribution chart, Summit Bank Group ranks #1099 out of 1273 companies for Cyclically Adjusted PB Ratio. This places Summit Bank Group in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.29. Summit Bank Group's value of 2.32 is 79.8% above this benchmark. Historically, Summit Bank Group's own Cyclically Adjusted PB Ratio has ranged from 1.50 to 2.42 over the past decade. While the company's 10-year median is 1.82 vs. the industry median of 1.29, Summit Bank Group 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 1.29, based on 1,273 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. Summit Bank Group's current Cyclically Adjusted PB Ratio of 2.32 is 79.8% 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 Summit Bank Group and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bank Group's current Cyclically Adjusted PB Ratio is 2.32, which is 27% above median its own 10-year median of 1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Summit Bank Group (SBKO) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.68, compared to a current price of $25.00 — trading 49.9% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 2.32, which is 27% above median its 10-year median of 1.82 and 79.8% above the Banks industry median of 1.29. Summit Bank Group's overall GF Score™ is 60/100 with 5 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 Summit Bank Group (SBKO), the current Cyclically Adjusted PB Ratio is 2.32 as of Sep. 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 Summit Bank Group (SBKO) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bank Group stock appears to be overvalued.
The current stock price of $25.00 is trading 49.9% above its estimated GF Value™ of $16.68.
GuruFocus considers Summit Bank Group to be Significantly Overvalued.
Key valuation signals for SBKO:
Cyclically Adjusted PB Ratio: 2.32 (27% above median its 10-year median of 1.82)
GF Value™: $16.68 vs. price of $25.00 (49.9% above fair value)
Industry Position: 79.8% above the Banks median (#1099 of 1273)
No single metric tells the full story. See the SBKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bank Group Inc provides commercial banking, financing, real estate lending and other services in Lane, Deschutes and Multnomah Counties in Oregon. It also specializes in providing high-level service to professionals and medium-sized businesses and their owners.
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