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NLB Banka adXBLB:VBBB-R-A Cyclically Adjusted PB Ratio is 13.93 as of Jul. 15, 2026, which is 99% below its 10-year median of 945.95. The stock has 4 warning signs investors should review.
The historical rank and industry rank for NLB Banka ad's Cyclically Adjusted PB Ratio or its related term are showing as below:
XBLB:VBBB-R-A'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 13.83 Med: 945.95 Max: 1784.62
Current: 13.93
During the past 13 years, NLB Banka ad's highest Cyclically Adjusted PB Ratio was 1784.62. The lowest was 13.83. And the median was 945.95.
XBLB:VBBB-R-A's Cyclically Adjusted PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.25
vs XBLB:VBBB-R-A: 13.93
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.
NLB Banka ad's adjusted book value per share data of for the fiscal year that ended in Dec25 was BAM5.130. 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 BAM430.73 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
NLB Banka ad (XBLB:VBBB-R-A) 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.
NLB Banka ad Cyclically Adjusted PB Ratio Related Terms
NLB Banka ad Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for NLB Banka ad'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.
NLB Banka ad Cyclically Adjusted PB Ratio Competitor Comparison
For the Banks - Regional subindustry, NLB Banka ad'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.
NLB Banka ad Cyclically Adjusted PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka ad's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where NLB Banka ad's Cyclically Adjusted PB Ratio falls into.
NLB Banka ad 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.
NLB Banka ad'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 13.93 mean?
NLB Banka ad (XBLB:VBBB-R-A) has a Cyclically Adjusted PB Ratio of 13.93 as of Jul. 15, 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 NLB Banka ad and its competitors. This is 99% below median its historical median of 945.95. Over the past decade, NLB Banka ad's Cyclically Adjusted PB Ratio has ranged from 13.83 to 1,784.62.
Is NLB Banka ad's Cyclically Adjusted PB Ratio too high?
NLB Banka ad's current Cyclically Adjusted PB Ratio of 13.93 is 99% below median its 10-year median of 945.95. Over the past 10 years, this metric has ranged from a low of 13.83 to a high of 1,784.62. The Banks industry median Cyclically Adjusted PB Ratio is 1.25. NLB Banka ad's value of 13.93 is 1014.4% above this industry median.
How does NLB Banka ad's Cyclically Adjusted PB Ratio compare to competitors?
NLB Banka ad's Cyclically Adjusted PB Ratio of 13.93 can be compared against companies in the Banks industry. The industry median Cyclically Adjusted PB Ratio is 1.25. NLB Banka ad's value of 13.93 is 1014.4% above this benchmark. Historically, NLB Banka ad's own Cyclically Adjusted PB Ratio has ranged from 13.83 to 1,784.62 over the past decade. While the company's 10-year median is 945.95 vs. the industry median of 1.25, NLB Banka ad has consistently been above 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. NLB Banka ad's current Cyclically Adjusted PB Ratio of 13.93 is 1014.4% above 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 NLB Banka ad 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. NLB Banka ad's current Cyclically Adjusted PB Ratio is 13.93, which is 99% below median its own 10-year median of 945.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current Cyclically Adjusted PB Ratio of 13.93. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 13.93, which is 99% below median its 10-year median of 945.95 and 1014.4% above the Banks industry median of 1.25. 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 NLB Banka ad (XBLB:VBBB-R-A), the current Cyclically Adjusted PB Ratio is 13.93 as of Jul. 15, 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.
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.
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