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MNBO (MNB Holdings) Cyclically Adjusted Book per Share : $68.63 (As of Dec. 2024)


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What is MNB Holdings Cyclically Adjusted Book per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and 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.

MNB Holdings's adjusted book value per share data for the fiscal year that ended in Dec. 2024 was $58.899. 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 $68.63 for the trailing ten years ended in Dec. 2024.

During the past 12 months, MNB Holdings's average Cyclically Adjusted Book Growth Rate was -100.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of MNB Holdings was 12.50% per year. The lowest was 9.30% per year. And the median was 11.30% per year.

As of today (2025-07-05), MNB Holdings's current stock price is $ 31.35. MNB Holdings's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2024 was $68.63. MNB Holdings's Cyclically Adjusted PB Ratio of today is 0.46.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of MNB Holdings was 1.48. The lowest was 0.32. And the median was 0.64.


MNB Holdings Cyclically Adjusted Book per Share Historical Data

The historical data trend for MNB Holdings's Cyclically Adjusted Book per Share 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.

MNB Holdings Cyclically Adjusted Book per Share Chart

MNB Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 51.10 57.61 63.58 66.66 68.63

MNB Holdings Semi-Annual Data
Dec04 Dec05 Dec06 Dec07 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Book per Share 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 51.10 57.61 63.58 66.66 68.63

Competitive Comparison of MNB Holdings's Cyclically Adjusted Book per Share

For the Banks - Regional subindustry, MNB Holdings'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.


MNB Holdings's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

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


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MNB Holdings Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and 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.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get 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.

For example, MNB Holdings's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2024 was:

Adj_Book=Book Value per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=58.899/133.1571*133.1571
=58.899

Current CPI (Dec. 2024) = 133.1571.

MNB Holdings Annual Data

Book Value per Share CPI Adj_Book
201512 46.821 99.792 62.475
201612 50.665 101.863 66.230
201712 54.670 104.011 69.990
201812 59.915 105.998 75.267
201912 65.035 108.420 79.873
202012 62.497 109.897 75.725
202112 62.044 117.630 70.234
202212 60.300 125.222 64.121
202312 61.748 129.419 63.531
202412 58.899 133.157 58.899

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.


MNB Holdings  (OTCPK:MNBO) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

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.

MNB Holdings's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=31.35/68.63
=0.46

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of MNB Holdings was 1.48. The lowest was 0.32. And the median was 0.64.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


MNB Holdings Cyclically Adjusted Book per Share Related Terms

Thank you for viewing the detailed overview of MNB Holdings's Cyclically Adjusted Book per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


MNB Holdings Business Description

Industry
Traded in Other Exchanges
N/A
Address
3060 16th Street, San Francisco, CA, USA, 94103
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
Executives
Maritza Aberouette director 3060 16TH STREET, C/O MNB HOLDINGS CORP, SAN FRANCISCO CA 94103

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