Amen Bank (XTUN:AB) Cyclically Adjusted PB Ratio: 2.52 (As of Jul. 17, 2026)

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XTUN:AB Amen Bank SA XTUN:AB
26 GF Score
Price TND94.45
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What is Amen Bank Cyclically Adjusted PB Ratio?

Amen Bank XTUN:AB +5.53% 26 Cyclically Adjusted PB Ratio is 2.52 as of Jul. 17, 2026. GuruFocus rates XTUN:AB with a GF Score™ of 26/100.

As of today (2026-07-17), Amen Bank's current share price is TND94.45. Amen Bank's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec22 was TND37.42. Amen Bank's Cyclically Adjusted PB Ratio for today is 2.52.

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

XTUN:AB's Cyclically Adjusted PB Ratio is not ranked *
in the Banks industry.
Industry Median: 1.27
* Ranked among companies with meaningful Cyclically Adjusted PB Ratio only.

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.

Amen Bank's adjusted book value per share data of for the fiscal year that ended in Dec22 was TND39.137. 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 TND37.42 for the trailing ten years ended in Dec22.

Shiller PE for Stocks: The True Measure of Stock Valuation


Amen Bank  (XTUN:AB) 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.


Amen Bank Cyclically Adjusted PB Ratio Related Terms


Amen Bank Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Amen Bank'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.

Amen Bank Cyclically Adjusted PB Ratio Chart

Amen Bank Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.61

Amen Bank Semi-Annual Data
Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23
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 0.00 0.00 0.00 0.61 0.00

XTUN:AB vs USB, PNC, TFC: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, Amen Bank'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.


Amen Bank Cyclically Adjusted PB Ratio vs Banks Industry

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

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


XTUN:AB
26GF Score
Amen Bank SA XTUN:AB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Amen Bank 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.

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

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=94.45/37.42
=2.52

* 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.

Amen Bank's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec22 is calculated as:

For example, Amen Bank's adjusted Book Value per Share data for the fiscal year that ended in Dec22 was:

Adj_Book=Book Value per Share/CPI of Dec22 (Change)*Current CPI (Dec22)
=39.137/296.7970*296.7970
=39.137

Current CPI (Dec22) = 296.7970.

Amen Bank Annual Data

Book Value per Share CPI Adj_Book
201312 19.066 233.049 24.281
201412 21.243 234.812 26.851
201512 23.256 236.525 29.182
201612 23.301 241.432 28.644
201712 25.060 246.524 30.170
201812 28.024 251.233 33.106
201912 30.975 256.974 35.775
202012 33.491 260.474 38.161
202112 35.563 278.802 37.858
202212 39.137 296.797 39.137

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.

What does a Cyclically Adjusted PB Ratio of 2.52 mean?
Amen Bank (XTUN:AB) has a Cyclically Adjusted PB Ratio of 2.52 as of Jul. 17, 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 Amen Bank and its competitors.
Is Amen Bank's Cyclically Adjusted PB Ratio too high?
Amen Bank's current Cyclically Adjusted PB Ratio is 2.52. The Banks industry median Cyclically Adjusted PB Ratio is 1.27. Amen Bank's value of 2.52 is 98.4% above this industry median. Overall, Amen Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Amen Bank's Cyclically Adjusted PB Ratio compare to USB and PNC?
Amen Bank's Cyclically Adjusted PB Ratio of 2.52 can be compared against companies in the Banks industry. The industry median Cyclically Adjusted PB Ratio is 1.27. Amen Bank's value of 2.52 is 98.4% above this benchmark. 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 1.27, 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. Amen Bank's current Cyclically Adjusted PB Ratio of 2.52 is 98.4% 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 Amen Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PB Ratio is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amen Bank's current Cyclically Adjusted PB Ratio is 2.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amen Bank stock overvalued right now?
Amen Bank (XTUN:AB) has a current Cyclically Adjusted PB Ratio of 2.52. The current Cyclically Adjusted PB Ratio is 2.52 and 98.4% above the Banks industry median of 1.27. Amen Bank's overall GF Score™ is 26/100. 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 Amen Bank (XTUN:AB), the current Cyclically Adjusted PB Ratio is 2.52 as of Jul. 17, 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.

Amen Bank Business Description

Address Avenue Mohamed V, Tunis, TUN, 1002
Amen Bank SA provides banking services. It provides consulting and wealth management-related assistance, financial management, fund management, and advisory services to individuals and businesses.
26GF Score

Get the complete analysis for XTUN:AB

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

TND94.45
Price