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UmweltBank AG (XTER:UBK) Cyclically Adjusted PB Ratio : 1.15 (As of Dec. 15, 2024)


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What is UmweltBank AG Cyclically Adjusted PB Ratio?

As of today (2024-12-15), UmweltBank AG's current share price is €6.30. UmweltBank AG's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec23 was €5.46. UmweltBank AG's Cyclically Adjusted PB Ratio for today is 1.15.

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

XTER:UBK' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.92   Med: 3.34   Max: 6.77
Current: 1.14

During the past 13 years, UmweltBank AG's highest Cyclically Adjusted PB Ratio was 6.77. The lowest was 0.92. And the median was 3.34.

XTER:UBK's Cyclically Adjusted PB Ratio is ranked worse than
56.31% of 1220 companies
in the Banks industry
Industry Median: 1.04 vs XTER:UBK: 1.14

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.

UmweltBank AG's adjusted book value per share data of for the fiscal year that ended in Dec23 was €6.909. 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 €5.46 for the trailing ten years ended in Dec23.

Shiller PE for Stocks: The True Measure of Stock Valuation


UmweltBank AG Cyclically Adjusted PB Ratio Historical Data

The historical data trend for UmweltBank AG'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.

UmweltBank AG Cyclically Adjusted PB Ratio Chart

UmweltBank AG Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.27 3.69 4.79 2.84 1.44

UmweltBank AG Semi-Annual Data
Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
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 3.27 3.69 4.79 2.84 1.44

Competitive Comparison of UmweltBank AG's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, UmweltBank AG'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.


UmweltBank AG's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

* The bar in red indicates where UmweltBank AG's Cyclically Adjusted PB Ratio falls into.



UmweltBank AG 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.

UmweltBank AG's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=6.30/5.46
=1.15

* 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.

UmweltBank AG's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec23 is calculated as:

For example, UmweltBank AG's adjusted Book Value per Share data for the fiscal year that ended in Dec23 was:

Adj_Book=Book Value per Share/CPI of Dec23 (Change)*Current CPI (Dec23)
=6.909/123.7729*123.7729
=6.909

Current CPI (Dec23) = 123.7729.

UmweltBank AG Annual Data

Book Value per Share CPI Adj_Book
201412 2.795 99.543 3.475
201512 3.083 99.717 3.827
201612 3.370 101.217 4.121
201712 3.673 102.617 4.430
201812 4.002 104.217 4.753
201912 4.746 105.818 5.551
202012 5.070 105.518 5.947
202112 6.917 110.384 7.756
202212 7.192 119.345 7.459
202312 6.909 123.773 6.909

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.


UmweltBank AG  (XTER:UBK) 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.


UmweltBank AG Cyclically Adjusted PB Ratio Related Terms

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


UmweltBank AG Business Description

Industry
Traded in Other Exchanges
Address
Laufertorgraben 6, Nuremberg, DEU, 90489
UmweltBank AG provides commercial banking services. The company offers various deposit products; savings accounts and bonds, investments, current accounts, and environmental accounts; and loan and financing products. The company offers its products for solar energy, wind and hydropower, combined heat and power station, low-energy construction, environmentally-friendly production, and organic farming and recycling fields.
Executives
Dietmar Von Blücher Board of Directors
Heike Schmitz Board of Directors

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