Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) Cyclically Adjusted PB Ratio: (As of Sep. 07, 2026)

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STU:8FZ0 Caisse Regionale du Credit Agricole Mutuel du Languedoc STU:8FZ0
45 GF Score
Price €87.13
GF Value €59.90
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Caisse Regionale du Credit Agricole Mutuel du Languedoc 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


Caisse Regionale du Credit Agricole Mutuel du Languedoc  (STU:8FZ0) 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.


Caisse Regionale du Credit Agricole Mutuel du Languedoc Cyclically Adjusted PB Ratio Related Terms


Caisse Regionale du Credit Agricole Mutuel du Languedoc Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Caisse Regionale du Credit Agricole Mutuel du Languedoc'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.

Caisse Regionale du Credit Agricole Mutuel du Languedoc Cyclically Adjusted PB Ratio Chart

Caisse Regionale du Credit Agricole Mutuel du Languedoc 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 0.31 0.24 0.22 0.24 0.33

Caisse Regionale du Credit Agricole Mutuel du Languedoc 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 0.24 0.00 0.33 0.00

Caisse Regionale du Credit Agricole Mutuel du Languedoc Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Caisse Regionale du Credit Agricole Mutuel du Languedoc'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.


Caisse Regionale du Credit Agricole Mutuel du Languedoc Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Caisse Regionale du Credit Agricole Mutuel du Languedoc's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Caisse Regionale du Credit Agricole Mutuel du Languedoc's Cyclically Adjusted PB Ratio falls into.


STU:8FZ0
45GF Score
Caisse Regionale du Credit Agricole Mutuel du Languedoc STU:8FZ0
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Caisse Regionale du Credit Agricole Mutuel du Languedoc 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.

Caisse Regionale du Credit Agricole Mutuel du Languedoc's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Caisse Regionale du Credit Agricole Mutuel du Languedoc'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)
=306.43/120.9000*120.9000
=306.430

Current CPI (Dec25) = 120.9000.

Caisse Regionale du Credit Agricole Mutuel du Languedoc Annual Data

Book Value per Share CPI Adj_Book
201612 156.046 100.650 187.441
201712 168.585 101.850 200.117
201812 191.234 103.470 223.448
201912 206.560 104.980 237.884
202012 208.509 104.960 240.175
202112 239.056 107.850 267.982
202212 240.110 114.160 254.286
202312 256.561 118.390 262.000
202412 275.461 119.950 277.643
202512 306.430 120.900 306.430

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 Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) Overvalued in 2026?

Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc stock appears to be overvalued. The current stock price of €87.13 is trading 45.5% above its estimated GF Value™ of €59.90. GuruFocus considers Caisse Regionale du Credit Agricole Mutuel du Languedoc to be Significantly Overvalued.

Key valuation signals for STU:8FZ0:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €59.90 vs. price of €87.13 (45.5% above fair value)
  • GF Score™: 45/100 with 4 warning signs

No single metric tells the full story. See the STU:8FZ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Caisse Regionale du Credit Agricole Mutuel du Languedoc Business Description

Other Exchanges CRLA:France
Address Avenue de Montpellieret et Maurin, Lattes cedex, FRA, 34977
Caisse Regionale du Credit Agricole Mutuel du Languedoc is a regional bank in France. The bank provides banking services and products in France. It has a network of approximately 102 banking outlets and 210 branches. The bank's service portfolio consists of real estate credit, consumer credit, saving account, property insurance and insurance of persons. It primarily serves individuals, enterprises, professionals and associations, among others.
45GF Score

Get the complete analysis for STU:8FZ0

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

€87.13
Price
€59.90
GF Value