Credit Agricole Atlantique Vendee (STU:4TF0) Cyclically Adjusted PB Ratio: (As of Aug. 23, 2026)

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STU:4TF0 Credit Agricole Atlantique Vendee STU:4TF0
44 GF Score
Price €135.00
GF Value €99.78
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Credit Agricole Atlantique Vendee 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


Credit Agricole Atlantique Vendee  (STU:4TF0) 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.


Credit Agricole Atlantique Vendee Cyclically Adjusted PB Ratio Related Terms


Credit Agricole Atlantique Vendee Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Credit Agricole Atlantique Vendee'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.

Credit Agricole Atlantique Vendee Cyclically Adjusted PB Ratio Chart

Credit Agricole Atlantique Vendee 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 0.23 0.17 0.19 0.18 0.28

Credit Agricole Atlantique Vendee 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 0.00 0.18 0.00 0.28 0.00

Credit Agricole Atlantique Vendee Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Credit Agricole Atlantique Vendee'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.


Credit Agricole Atlantique Vendee Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Credit Agricole Atlantique Vendee's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Credit Agricole Atlantique Vendee's Cyclically Adjusted PB Ratio falls into.


STU:4TF0
44GF Score
Credit Agricole Atlantique Vendee STU:4TF0
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Agricole Atlantique Vendee 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.

Credit Agricole Atlantique Vendee's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Credit Agricole Atlantique Vendee'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)
=591.623/120.9000*120.9000
=591.623

Current CPI (Dec25) = 120.9000.

Credit Agricole Atlantique Vendee Annual Data

Book Value per Share CPI Adj_Book
201612 337.050 100.650 404.862
201712 395.828 101.850 469.864
201812 399.910 103.470 467.277
201912 426.729 104.980 491.442
202012 424.915 104.960 489.446
202112 482.584 107.850 540.977
202212 480.231 114.160 508.584
202312 507.021 118.390 517.770
202412 539.949 119.950 544.225
202512 591.623 120.900 591.623

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 Credit Agricole Atlantique Vendee (STU:4TF0) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Agricole Atlantique Vendee stock appears to be overvalued. The current stock price of €135.00 is trading 35.3% above its estimated GF Value™ of €99.78. GuruFocus considers Credit Agricole Atlantique Vendee to be Significantly Overvalued.

Key valuation signals for STU:4TF0:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €99.78 vs. price of €135.00 (35.3% above fair value)
  • GF Score™: 44/100 with 2 warning signs

No single metric tells the full story. See the STU:4TF0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Credit Agricole Atlantique Vendee Business Description

Other Exchanges 0OQK:UKCRAV:France
Address Route de Paris, Nantes, FRA, 44949
Credit Agricole Atlantique Vendee is a regional bank belonging to the Credit Agricole Group. It is engaged in providing banking and insurance solutions in France. It offers its services to individuals, professionals, farmers and companies.
44GF Score

Get the complete analysis for STU:4TF0

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

€135.00
Price
€99.78
GF Value