MBH Mortgage Bank Co (BUD:MBHJB) Cyclically Adjusted PS Ratio: 3.00 (As of Sep. 18, 2026) — 59% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BUD:MBHJB MBH Mortgage Bank Co PLC BUD:MBHJB
22 GF Score
Price Ft450.00
GF Value Ft1,139.45
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is MBH Mortgage Bank Co Cyclically Adjusted PS Ratio?

MBH Mortgage Bank Co BUD:MBHJB -2.17% 22 Cyclically Adjusted PS Ratio is 3.00 as of Sep. 18, 2026, which is 59% above its 10-year median of 1.89. GuruFocus rates BUD:MBHJB with a GF Score™ of 22/100 and a GF Value™ of Ft1,139.45 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,301 Banks companies, MBH Mortgage Bank Co ranks worse than 55.8% on this metric.

As of today (2026-09-18), MBH Mortgage Bank Co's current share price is Ft450.00. MBH Mortgage Bank Co's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 was Ft150.12. MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio for today is 3.00.

The historical rank and industry rank for MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio or its related term are showing as below:

BUD:MBHJB' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.04   Med: 1.89   Max: 6.29
Current: 3.69

During the past 13 years, MBH Mortgage Bank Co's highest Cyclically Adjusted PS Ratio was 6.29. The lowest was 1.04. And the median was 1.89.

BUD:MBHJB's Cyclically Adjusted PS Ratio is ranked worse than
55.8% of 1301 companies
in the Banks industry
Industry Median: 3.45 vs BUD:MBHJB: 3.69

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

MBH Mortgage Bank Co's adjusted revenue per share data of for the fiscal year that ended in Dec25 was Ft109.261. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is Ft150.12 for the trailing ten years ended in Dec25.

Shiller PE for Stocks: The True Measure of Stock Valuation


MBH Mortgage Bank Co  (BUD:MBHJB) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


MBH Mortgage Bank Co Cyclically Adjusted PS Ratio Related Terms


MBH Mortgage Bank Co Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for MBH Mortgage Bank Co's Cyclically Adjusted PS 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.

MBH Mortgage Bank Co Cyclically Adjusted PS Ratio Chart

MBH Mortgage Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.65 1.22 1.50 4.51 4.86

MBH Mortgage Bank Co Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted PS 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 1.50 2.83 4.51 4.13 6.21

BUD:MBHJB vs USB, PNC: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.


MBH Mortgage Bank Co Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio falls into.


BUD:MBHJB
22GF Score
MBH Mortgage Bank Co PLC BUD:MBHJB
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

MBH Mortgage Bank Co Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=450.00/150.12
=3.00

* 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.

MBH Mortgage Bank Co's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, MBH Mortgage Bank Co's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=109.261/173.2400*173.2400
=109.261

Current CPI (Dec25) = 173.2400.

MBH Mortgage Bank Co Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 241.766 101.406 413.027
201712 218.955 103.627 366.042
201812 44.541 106.440 72.494
201912 62.788 110.659 98.297
202012 53.106 113.694 80.920
202112 55.961 122.058 79.427
202212 63.592 152.036 72.461
202312 101.527 160.400 109.654
202412 96.492 167.802 99.619
202512 109.261 173.240 109.261

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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 PS Ratio of 3.00 mean?
MBH Mortgage Bank Co (BUD:MBHJB) has a Cyclically Adjusted PS Ratio of 3.00 as of Sep. 18, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on MBH Mortgage Bank Co and its competitors. This is 59% above median its historical median of 1.89. Over the past decade, MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio has ranged from 1.04 to 6.29. According to the industry distribution chart, MBH Mortgage Bank Co ranks #726 out of 1301 companies in the Banks industry, placing it in the top 55.8%.
Is MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio too high?
MBH Mortgage Bank Co's current Cyclically Adjusted PS Ratio of 3.00 is 59% above median its 10-year median of 1.89. Over the past 10 years, this metric has ranged from a low of 1.04 to a high of 6.29. The Banks industry median Cyclically Adjusted PS Ratio is 3.45. MBH Mortgage Bank Co's value of 3.00 is 13% below this industry median. Based on the distribution chart, MBH Mortgage Bank Co ranks #726 out of 1301 companies in the Banks industry, which is below the industry midpoint. Overall, MBH Mortgage Bank Co has a GF Score™ of 22/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MBH Mortgage Bank Co's Cyclically Adjusted PS Ratio compare to USB and PNC?
According to the Banks industry distribution chart, MBH Mortgage Bank Co ranks #726 out of 1301 companies for Cyclically Adjusted PS Ratio. This places MBH Mortgage Bank Co in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.45. MBH Mortgage Bank Co's value of 3.00 is 13% below this benchmark. Historically, MBH Mortgage Bank Co's own Cyclically Adjusted PS Ratio has ranged from 1.04 to 6.29 over the past decade. While the company's 10-year median is 1.89 vs. the industry median of 3.45, MBH Mortgage Bank Co 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 PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.45, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MBH Mortgage Bank Co's current Cyclically Adjusted PS Ratio of 3.00 is 13% 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on MBH Mortgage Bank Co and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MBH Mortgage Bank Co's current Cyclically Adjusted PS Ratio is 3.00, which is 59% above median its own 10-year median of 1.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBH Mortgage Bank Co stock overvalued right now?
Based on GuruFocus' analysis, MBH Mortgage Bank Co (BUD:MBHJB) is currently considered Significantly Undervalued. The stock's GF Value™ is Ft1,139.45, compared to a current price of Ft450.00 — trading 60.5% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 3.00, which is 59% above median its 10-year median of 1.89 and 13% below the Banks industry median of 3.45. MBH Mortgage Bank Co's overall GF Score™ is 22/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For MBH Mortgage Bank Co (BUD:MBHJB), the current Cyclically Adjusted PS Ratio is 3.00 as of Sep. 18, 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 MBH Mortgage Bank Co (BUD:MBHJB) Overvalued in 2026?

Based on GuruFocus' analysis, MBH Mortgage Bank Co stock appears to be undervalued. The current stock price of Ft450.00 is trading 60.5% below its estimated GF Value™ of Ft1,139.45. GuruFocus considers MBH Mortgage Bank Co to be Significantly Undervalued.

Key valuation signals for BUD:MBHJB:

  • Cyclically Adjusted PS Ratio: 3.00 (59% above median its 10-year median of 1.89)
  • GF Value™: Ft1,139.45 vs. price of Ft450.00 (60.5% below fair value)
  • GF Score™: 22/100 with 2 warning signs
  • Industry Position: 13% below the Banks median (#726 of 1301)

No single metric tells the full story. See the BUD:MBHJB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


MBH Mortgage Bank Co Business Description

Address 1117 Budapest Magyar tudosok korutja 9, Budapest, HUN, 1908
MBH Mortgage Bank Co PLC provides mortgage banking services. The business activities of the group function through various segments such as Retail, Wholesale, Loans, and advances to customers. It derives the majority of its revenue from the Retail segment, which offers a wide range of services such as retail bank accounts, deposits, savings, loans, and others to its retail customers. The company also focuses on the financial needs of corporate customers and offers corporate accounts, deposits, loans, and other services. In addition, it also focuses on liquidity management, asset and liability management, and security issues. Geographically, it operates in Hungary.
22GF Score

Get the complete analysis for BUD:MBHJB

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

Ft450.00
Price
Ft1,139.45
GF Value