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Unicaja BancoUNJCF 57 Cyclically Adjusted PB Ratio is 0.90 as of Jul. 16, 2026, which is 27% above its 10-year median of 0.71. GuruFocus rates UNJCF with a GF Score™ of 57/100 and a GF Value™ of $1.33. The stock has 6 warning signs investors should review. Among 1,298 Banks companies, Unicaja Banco ranks better than 55.24% on this metric.
The historical rank and industry rank for Unicaja Banco's Cyclically Adjusted PB Ratio or its related term are showing as below:
UNJCF'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.38 Med: 0.71 Max: 1.16
Current: 1.16
During the past years, Unicaja Banco's highest Cyclically Adjusted PB Ratio was 1.16. The lowest was 0.38. And the median was 0.71.
UNJCF's Cyclically Adjusted PB Ratio is ranked better than 55.24% of 1298
companies
in the Banks industry
Industry Median: 1.25
vs UNJCF: 1.16
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.
Unicaja Banco's adjusted book value per share data for the three months ended in Mar. 2026 was $3.163. 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 $3.40 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Unicaja Banco (OTCPK:UNJCF) 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.
Unicaja Banco Cyclically Adjusted PB Ratio Related Terms
Unicaja Banco Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Unicaja Banco'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.
UNJCF vs PNC, USB: Cyclically Adjusted PB Ratio Comparison
For the Banks - Regional subindustry, Unicaja Banco'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.
Unicaja Banco Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Unicaja Banco's Cyclically Adjusted PB Ratio falls into.
Unicaja Banco 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.
Unicaja Banco's Cyclically Adjusted PB Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 0.90 mean?
Unicaja Banco (UNJCF) has a Cyclically Adjusted PB Ratio of 0.90 as of Jul. 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 Unicaja Banco and its competitors. This is 27% above median its historical median of 0.71. Over the past decade, Unicaja Banco's Cyclically Adjusted PB Ratio has ranged from 0.38 to 1.16. According to the industry distribution chart, Unicaja Banco ranks #581 out of 1298 companies in the Banks industry, placing it in the top 44.8%.
Is Unicaja Banco's Cyclically Adjusted PB Ratio too high?
Unicaja Banco's current Cyclically Adjusted PB Ratio of 0.90 is 27% above median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 1.16. The Banks industry median Cyclically Adjusted PB Ratio is 1.25. Unicaja Banco's value of 0.90 is 28% below this industry median. Based on the distribution chart, Unicaja Banco ranks #581 out of 1298 companies in the Banks industry, which is above the industry midpoint. Overall, Unicaja Banco has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's Cyclically Adjusted PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #581 out of 1298 companies for Cyclically Adjusted PB Ratio. This puts Unicaja Banco in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.25. Unicaja Banco's value of 0.90 is 28% below this benchmark. Historically, Unicaja Banco's own Cyclically Adjusted PB Ratio has ranged from 0.38 to 1.16 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 1.25, Unicaja Banco has consistently been below 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 1.25, based on 1,298 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. Unicaja Banco's current Cyclically Adjusted PB Ratio of 0.90 is 28% below 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 Unicaja Banco and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Unicaja Banco's current Cyclically Adjusted PB Ratio is 0.90, which is 27% above median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unicaja Banco stock overvalued right now?
Unicaja Banco (UNJCF) has a current Cyclically Adjusted PB Ratio of 0.90. The stock's GF Value™ is $1.33, compared to a current price of $3.05 — trading 129.3% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.90, which is 27% above median its 10-year median of 0.71 and 28% below the Banks industry median of 1.25. Unicaja Banco's overall GF Score™ is 57/100 with 6 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 Unicaja Banco (UNJCF), the current Cyclically Adjusted PB Ratio is 0.90 as of Jul. 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 Unicaja Banco (UNJCF) Overvalued in 2026?
Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued.
The current stock price of $3.05 is trading 129.3% above its estimated GF Value™ of $1.33.
Key valuation signals for UNJCF:
Cyclically Adjusted PB Ratio: 0.90 (27% above median its 10-year median of 0.71)
GF Value™: $1.33 vs. price of $3.05 (129.3% above fair value)
Industry Position: 28% below the Banks median (#581 of 1298)
No single metric tells the full story. See the UNJCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unicaja Banco SA is a credit institution; its main activity is retail banking. The group's object includes the provision of investment services and other auxiliary services, as well as the performance of insurance agent activities, as an exclusive or related operator, without the simultaneous exercise of both. Its segments are Credit institutions and insurance companies; these are the activities of the Bank and other Group companies engaged in financial services, as well as other ancillary activities carried out by the Group and of immaterial amounts, and central or general services that have not been allocated to any segment, and Other entities, which include the activities carried out by the other Group companies not included in the previous section. The Group operates in Spain.
57GF Score
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