Arab Islamic Bank (XPAE:AIB) Cyclically Adjusted PS Ratio: 1.63 (As of Aug. 09, 2026) — 19% Below 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.

XPAE:AIB Arab Islamic Bank XPAE:AIB
63 GF Score
Price $1.14
GF Value $1.25
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Arab Islamic Bank Cyclically Adjusted PS Ratio?

Arab Islamic Bank XPAE:AIB +3.64% 63 Cyclically Adjusted PS Ratio is 1.63 as of Aug. 09, 2026, which is 19% below its 10-year median of 2.00. GuruFocus rates XPAE:AIB with a GF Score™ of 63/100 and a GF Value™ of $1.25 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,302 Banks companies, Arab Islamic Bank ranks better than 82.95% on this metric.

As of today (2026-08-09), Arab Islamic Bank's current share price is $1.14. Arab Islamic Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 was $0.70. Arab Islamic Bank's Cyclically Adjusted PS Ratio for today is 1.63.

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

XPAE:AIB' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.49   Med: 2   Max: 3.64
Current: 1.57

During the past years, Arab Islamic Bank's highest Cyclically Adjusted PS Ratio was 3.64. The lowest was 1.49. And the median was 2.00.

XPAE:AIB's Cyclically Adjusted PS Ratio is ranked better than
82.95% of 1302 companies
in the Banks industry
Industry Median: 3.43 vs XPAE:AIB: 1.57

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.

Arab Islamic Bank's adjusted revenue per share data for the three months ended in Dec. 2025 was $0.324. 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 $0.70 for the trailing ten years ended in Dec. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Arab Islamic Bank  (XPAE:AIB) 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.


Arab Islamic Bank Cyclically Adjusted PS Ratio Related Terms


Arab Islamic Bank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Arab Islamic Bank'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.

Arab Islamic Bank Cyclically Adjusted PS Ratio Chart

Arab Islamic Bank 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 0.00 3.32 2.86 1.74 1.69

Arab Islamic Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 1.74 1.71 1.89 1.64 1.69

XPAE:AIB vs PNC, USB: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Arab Islamic Bank'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.


Arab Islamic Bank Cyclically Adjusted PS Ratio vs Banks Industry

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

* The bar in red indicates where Arab Islamic Bank's Cyclically Adjusted PS Ratio falls into.


XPAE:AIB
63GF Score
Arab Islamic Bank XPAE:AIB
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Arab Islamic Bank 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.

Arab Islamic Bank's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=1.14/0.70
=1.63

* 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.

Arab Islamic Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2025 is calculated as:

For example, Arab Islamic Bank's adjusted Revenue per Share data for the three months ended in Dec. 2025 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.324/324.0540*324.0540
=0.324

Current CPI (Dec. 2025) = 324.0540.

Arab Islamic Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201603 0.111 238.132 0.151
201606 0.080 241.018 0.108
201609 0.110 241.428 0.148
201612 0.099 241.432 0.133
201703 0.111 243.801 0.148
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 0.000 246.524 0.000
201803 0.000 249.554 0.000
201806 0.000 251.989 0.000
201809 0.000 252.439 0.000
201812 0.000 251.233 0.000
201903 0.111 254.202 0.142
201906 0.117 256.143 0.148
201909 0.117 256.759 0.148
201912 0.107 256.974 0.135
202003 0.119 258.115 0.149
202006 0.130 257.797 0.163
202009 0.129 260.280 0.161
202012 0.088 260.474 0.109
202103 0.142 264.877 0.174
202106 0.134 271.696 0.160
202109 0.149 274.310 0.176
202112 0.147 278.802 0.171
202203 0.161 287.504 0.181
202206 0.185 296.311 0.202
202209 0.192 296.808 0.210
202212 0.186 296.797 0.203
202303 0.179 301.836 0.192
202306 0.192 305.109 0.204
202309 0.194 307.789 0.204
202312 0.159 306.746 0.168
202403 0.175 312.332 0.182
202406 0.177 314.175 0.183
202409 0.196 315.301 0.201
202412 0.210 315.605 0.216
202503 0.170 319.799 0.172
202506 0.209 322.561 0.210
202509 0.203 324.800 0.203
202512 0.324 324.054 0.324

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 1.63 mean?
Arab Islamic Bank (XPAE:AIB) has a Cyclically Adjusted PS Ratio of 1.63 as of Aug. 09, 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 Arab Islamic Bank and its competitors. This is 19% below median its historical median of 2.00. Over the past decade, Arab Islamic Bank's Cyclically Adjusted PS Ratio has ranged from 1.49 to 3.64. According to the industry distribution chart, Arab Islamic Bank ranks #222 out of 1302 companies in the Banks industry, placing it in the top 17.1%.
Is Arab Islamic Bank's Cyclically Adjusted PS Ratio too high?
Arab Islamic Bank's current Cyclically Adjusted PS Ratio of 1.63 is 19% below median its 10-year median of 2.00. Over the past 10 years, this metric has ranged from a low of 1.49 to a high of 3.64. The Banks industry median Cyclically Adjusted PS Ratio is 3.43. Arab Islamic Bank's value of 1.63 is 52.5% below this industry median. Based on the distribution chart, Arab Islamic Bank ranks #222 out of 1302 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Arab Islamic Bank has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arab Islamic Bank's Cyclically Adjusted PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Arab Islamic Bank ranks #222 out of 1302 companies for Cyclically Adjusted PS Ratio. This places Arab Islamic Bank in the top 17% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.43. Arab Islamic Bank's value of 1.63 is 52.5% below this benchmark. Historically, Arab Islamic Bank's own Cyclically Adjusted PS Ratio has ranged from 1.49 to 3.64 over the past decade. While the company's 10-year median is 2.00 vs. the industry median of 3.43, Arab Islamic Bank 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 3.43, based on 1,302 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. Arab Islamic Bank's current Cyclically Adjusted PS Ratio of 1.63 is 52.5% 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 Arab Islamic Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arab Islamic Bank's current Cyclically Adjusted PS Ratio is 1.63, which is 19% below median its own 10-year median of 2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arab Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Arab Islamic Bank (XPAE:AIB) is currently considered Fairly Valued. The stock's GF Value™ is $1.25, compared to a current price of $1.14 — trading 8.8% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 1.63, which is 19% below median its 10-year median of 2.00 and 52.5% below the Banks industry median of 3.43. Arab Islamic Bank's overall GF Score™ is 63/100 with 4 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 Arab Islamic Bank (XPAE:AIB), the current Cyclically Adjusted PS Ratio is 1.63 as of Aug. 09, 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 Arab Islamic Bank (XPAE:AIB) Overvalued in 2026?

Based on GuruFocus' analysis, Arab Islamic Bank stock appears to be undervalued. The current stock price of $1.14 is trading 8.8% below its estimated GF Value™ of $1.25. GuruFocus considers Arab Islamic Bank to be Fairly Valued.

Key valuation signals for XPAE:AIB:

  • Cyclically Adjusted PS Ratio: 1.63 (19% below median its 10-year median of 2.00)
  • GF Value™: $1.25 vs. price of $1.14 (8.8% below fair value)
  • GF Score™: 63/100 with 4 warning signs
  • Industry Position: 52.5% below the Banks median (#222 of 1302)

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


Arab Islamic Bank Business Description

Address P.O. Box 631, Al- Bireh, Ramallah, PSE
Arab Islamic Bank is an Islamic banking firm in Palestine that provides banking and investment services according to Islamic Shari'a. The bank operates through three segments including Retail banking, Corporate banking, and Treasury. Its Retail Banking segment is engaged in handling individual customers' deposits and providing them with Islamic financing and other services. Its Corporate banking segment handles Islamic financing, deposits and current accounts for corporate and institutional customers. While its Treasury segment provides trading and treasury services and also manages Bank's funds and investments. The bank operates geographically in Palestine, Jordan, Israel and other countries, and earns majority of its revenue from Palestine.
63GF Score

Get the complete analysis for XPAE:AIB

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

$1.14
Price
$1.25
GF Value