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TBC Bank Group (STU:LR6) Cyclically Adjusted PB Ratio : 2.44 (As of May. 22, 2025)


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What is TBC Bank Group Cyclically Adjusted PB Ratio?

As of today (2025-05-22), TBC Bank Group's current share price is €52.50. TBC Bank Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was €21.55. TBC Bank Group's Cyclically Adjusted PB Ratio for today is 2.44.

The historical rank and industry rank for TBC Bank Group's Cyclically Adjusted PB Ratio or its related term are showing as below:

STU:LR6' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 1.75   Med: 2.38   Max: 2.62
Current: 2.52

During the past years, TBC Bank Group's highest Cyclically Adjusted PB Ratio was 2.62. The lowest was 1.75. And the median was 2.38.

STU:LR6's Cyclically Adjusted PB Ratio is ranked worse than
90.45% of 1277 companies
in the Banks industry
Industry Median: 1.02 vs STU:LR6: 2.52

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.

TBC Bank Group's adjusted book value per share data for the three months ended in Mar. 2025 was €32.523. 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 €21.55 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


TBC Bank Group Cyclically Adjusted PB Ratio Historical Data

The historical data trend for TBC 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.

* Premium members only.

TBC Bank Group Cyclically Adjusted PB Ratio Chart

TBC Bank Group Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 1.80

TBC Bank Group Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 - - - 1.80 2.29

Competitive Comparison of TBC Bank Group's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, TBC 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.


TBC Bank Group's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

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


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TBC 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.

TBC Bank Group's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=52.50/21.55
=2.44

* 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.

TBC Bank Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, TBC Bank Group's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=32.523/136.1000*136.1000
=32.523

Current CPI (Mar. 2025) = 136.1000.

TBC Bank Group Quarterly Data

Book Value per Share CPI Adj_Book
201412 6.529 99.900 8.895
201509 0.000 100.200 0.000
201512 8.003 100.400 10.849
201603 0.000 100.400 0.000
201606 0.000 101.000 0.000
201609 8.456 101.500 11.339
201612 9.678 102.200 12.888
201703 10.177 102.700 13.487
201706 10.240 103.500 13.465
201709 10.816 104.300 14.114
201712 11.421 105.000 14.804
201803 11.532 105.100 14.933
201806 11.599 105.900 14.907
201809 12.294 106.600 15.696
201812 13.191 107.100 16.763
201903 13.882 107.000 17.657
201906 14.002 107.900 17.661
201909 14.675 108.400 18.425
201912 15.256 108.500 19.137
202003 15.105 108.600 18.930
202006 15.571 108.800 19.478
202009 16.582 109.200 20.667
202012 16.917 109.400 21.046
202103 18.337 109.700 22.750
202106 19.570 111.400 23.909
202109 20.234 112.400 24.500
202112 20.058 114.700 23.800
202203 22.689 116.500 26.506
202206 23.371 120.500 26.397
202209 24.579 122.300 27.352
202212 23.051 125.300 25.038
202303 24.379 126.800 26.167
202306 24.884 129.400 26.172
202309 25.594 130.100 26.774
202312 28.038 130.500 29.241
202403 28.218 131.600 29.183
202406 29.337 133.000 30.021
202409 30.818 133.500 31.418
202412 32.561 135.100 32.802
202503 32.523 136.100 32.523

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.


TBC Bank Group  (STU:LR6) 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.


TBC Bank Group Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of TBC Bank Group's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


TBC Bank Group Business Description

Traded in Other Exchanges
Address
100 Bishopsgate, C/O Law Debenture, London, GBR, EC2N 4AG
TBC Bank Group PLC is a UK-based banking group. Its business activity involves universal banking operations within Georgia. The bank is focused on financial services activities, and the majority of its total assets relate to banking, insurance, leasing, brokerage, and corporate advisory services. Its operating segments include Georgian financial services (Georgia FS), which includes corporate and investment banking (CIB), Retail - non-business individual customers;, Micro, Small, and Medium Enterprises: (MSME), Uzbekistan and Other Operations. The majority of its revenues are derived from the Retail segment, which includes all non-business individual or individual business customers.

TBC Bank Group Headlines

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