Mebuki Financial Group (STU:5EE) Cyclically Adjusted PB Ratio: (As of Sep. 21, 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.

STU:5EE Mebuki Financial Group Inc STU:5EE
51 GF Score
Price €9.35
GF Value €5.70
! 6 Warning Signs
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What is Mebuki Financial Group Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Mebuki Financial Group  (STU:5EE) 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.


Mebuki Financial Group Cyclically Adjusted PB Ratio Related Terms


Mebuki Financial Group Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Mebuki Financial 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.

Mebuki Financial Group Cyclically Adjusted PB Ratio Chart

Mebuki Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 0.44 0.65 0.98

Mebuki Financial Group 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 0.63 0.78 0.80 0.96 1.10

Mebuki Financial Group Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Mebuki Financial 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.


Mebuki Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Mebuki Financial Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Mebuki Financial Group's Cyclically Adjusted PB Ratio falls into.


STU:5EE
51GF Score
Mebuki Financial Group Inc STU:5EE
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Mebuki Financial 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.

Mebuki Financial Group's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Mebuki Financial Group's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=6.392/113.6000*113.6000
=6.392

Current CPI (Jun. 2026) = 113.6000.

Mebuki Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
201609 8.145 98.000 9.442
201612 5.905 98.400 6.817
201703 6.149 98.100 7.121
201706 5.791 98.500 6.679
201709 5.644 98.800 6.489
201712 5.753 99.400 6.575
201803 5.765 99.200 6.602
201806 5.915 99.200 6.774
201809 5.830 99.900 6.630
201812 6.002 99.700 6.839
201903 6.307 99.700 7.186
201906 6.451 99.800 7.343
201909 6.895 100.100 7.825
201912 6.809 100.500 7.697
202003 6.424 100.300 7.276
202006 6.683 99.900 7.599
202009 6.674 99.900 7.589
202012 6.646 99.300 7.603
202103 6.631 99.900 7.540
202106 6.986 99.500 7.976
202109 7.187 100.100 8.156
202112 7.157 100.100 8.122
202203 6.577 101.100 7.390
202206 5.967 101.800 6.659
202209 5.767 103.100 6.354
202212 5.762 104.100 6.288
202303 5.879 104.400 6.397
202306 5.613 105.200 6.061
202309 5.544 106.200 5.930
202312 5.913 106.800 6.289
202403 5.957 107.200 6.313
202406 5.612 108.200 5.892
202409 6.216 108.900 6.484
202412 6.087 110.700 6.246
202503 6.075 111.100 6.212
202506 6.064 111.700 6.167
202509 6.284 112.000 6.374
202512 6.118 113.000 6.150
202603 6.261 112.700 6.311
202606 6.392 113.600 6.392

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 Mebuki Financial Group (STU:5EE) Overvalued in 2026?

Based on GuruFocus' analysis, Mebuki Financial Group stock appears to be overvalued. The current stock price of €9.35 is trading 64% above its estimated GF Value™ of €5.70.

Key valuation signals for STU:5EE:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €5.70 vs. price of €9.35 (64% above fair value)
  • GF Score™: 51/100 with 6 warning signs

No single metric tells the full story. See the STU:5EE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Mebuki Financial Group Business Description

Other Exchanges MEBUF:USA7167:Japan
Address 1-25, Sakura 4-chome Utsunomiya, Utsunomiya, Tochigi, JPN, 320-8610
Mebuki Financial Group Inc is a Japan-based company, engages in the provision of banking and other financial services including credit card services in Japan. Its services include loans and bills discounted, deposits, other loans, and assets. It also engages in call money transactions in the short-term markets; and invests in securities primarily comprising bonds, as well as money markets. Its other services include foreign currency exchange and international remittances.
51GF Score

Get the complete analysis for STU:5EE

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

€9.35
Price
€5.70
GF Value