National Bank of Fujairah PSC (ADX:NBF) E10: د.إ0.21 (As of Mar. 2026)


ADX:NBF National Bank of Fujairah PSC ADX:NBF
56 GF Score
Price د.إ5.00
GF Value د.إ5.12
Valuation Fairly Valued
! 5 Warning Signs
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What is National Bank of Fujairah PSC E10?

National Bank of Fujairah PSC ADX:NBF 56 E10 is د.إ0.21 as of Mar. 2026. GuruFocus rates ADX:NBF with a GF Score™ of 56/100 and a GF Value™ of د.إ5.12 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

National Bank of Fujairah PSC's adjusted earnings per share data for the three months ended in Mar. 2026 was د.إ0.133. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is د.إ0.21 for the trailing ten years ended in Mar. 2026.

During the past 12 months, National Bank of Fujairah PSC's average E10 Growth Rate was 10.50% per year. During the past 3 years, the average E10 Growth Rate was 5.60% per year. During the past 5 years, the average E10 Growth Rate was 2.20% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of National Bank of Fujairah PSC was 5.60% per year. The lowest was 0.00% per year. And the median was 1.90% per year.

As of today (2026-06-28), National Bank of Fujairah PSC's current stock price is د.إ5.00. National Bank of Fujairah PSC's E10 for the quarter that ended in Mar. 2026 was د.إ0.21. National Bank of Fujairah PSC's Shiller PE Ratio of today is 23.81.

During the past 13 years, the highest Shiller PE Ratio of National Bank of Fujairah PSC was 29.39. The lowest was 10.53. And the median was 24.90.


National Bank of Fujairah PSC  (ADX:NBF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

National Bank of Fujairah PSC's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=5.00/0.21
=23.81

* 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 Shiller P/E Ratio of National Bank of Fujairah PSC was 29.39. The lowest was 10.53. And the median was 24.90.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


National Bank of Fujairah PSC E10 Related Terms


National Bank of Fujairah PSC E10 Historical Data

* Premium members only.

The historical data trend for National Bank of Fujairah PSC's E10 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.

National Bank of Fujairah PSC E10 Chart

National Bank of Fujairah PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.17 0.17 0.18 0.18 0.20

National Bank of Fujairah PSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.19 0.19 0.20 0.20 0.21

National Bank of Fujairah PSC E10 Competitor Comparison

For the Banks - Regional subindustry, National Bank of Fujairah PSC's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


National Bank of Fujairah PSC Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, National Bank of Fujairah PSC's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where National Bank of Fujairah PSC's Shiller PE Ratio falls into.


ADX:NBF
56GF Score
National Bank of Fujairah PSC ADX:NBF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Fujairah PSC E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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, National Bank of Fujairah PSC's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.133/330.2130*330.2130
=0.133

Current CPI (Mar. 2026) = 330.2130.

National Bank of Fujairah PSC Quarterly Data

per share eps CPI Adj_EPS
201606 0.062 241.018 0.085
201609 0.041 241.428 0.056
201612 0.041 241.432 0.056
201703 0.044 243.801 0.060
201706 0.081 244.955 0.109
201709 0.037 246.819 0.050
201712 0.030 246.524 0.040
201803 0.050 249.554 0.066
201806 0.075 251.989 0.098
201809 0.050 252.439 0.065
201812 0.066 251.233 0.087
201903 0.069 254.202 0.090
201906 0.086 256.143 0.111
201909 0.061 256.759 0.078
201912 0.010 256.974 0.013
202003 0.034 258.115 0.043
202006 -0.022 257.797 -0.028
202009 0.001 260.280 0.001
202012 -0.261 260.474 -0.331
202103 0.018 264.877 0.022
202106 -0.002 271.696 -0.002
202109 0.006 274.310 0.007
202112 -0.005 278.802 -0.006
202203 0.027 287.504 0.031
202206 0.019 296.311 0.021
202209 0.038 296.808 0.042
202212 0.033 296.797 0.037
202303 0.068 301.836 0.074
202306 0.064 305.109 0.069
202309 0.081 307.789 0.087
202312 0.038 306.746 0.041
202403 0.097 312.332 0.103
202406 0.059 314.175 0.062
202409 0.080 315.301 0.084
202412 0.056 315.605 0.059
202503 0.119 319.799 0.123
202506 0.123 322.561 0.126
202509 0.124 324.800 0.126
202512 0.101 324.054 0.103
202603 0.133 330.213 0.133

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of د.إ0.21 mean?
National Bank of Fujairah PSC (ADX:NBF) has a E10 of د.إ0.21 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on National Bank of Fujairah PSC and its competitors.
Is National Bank of Fujairah PSC's E10 too high?
National Bank of Fujairah PSC's current E10 is د.إ0.21. Overall, National Bank of Fujairah PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Fujairah PSC's E10 compare to competitors?
National Bank of Fujairah PSC's E10 of د.إ0.21 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on National Bank of Fujairah PSC and its competitors. National Bank of Fujairah PSC's current E10 is د.إ0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Fujairah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Fujairah PSC (ADX:NBF) is currently considered Fairly Valued. The stock's GF Value™ is د.إ5.12, compared to a current price of د.إ5.00 — trading 2.3% below its estimated fair value. The current E10 is د.إ0.21. National Bank of Fujairah PSC's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For National Bank of Fujairah PSC (ADX:NBF), the current E10 is د.إ0.21 as of Mar. 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 National Bank of Fujairah PSC (ADX:NBF) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Fujairah PSC stock appears to be undervalued. The current stock price of د.إ5.00 is trading 2.3% below its estimated GF Value™ of د.إ5.12. GuruFocus considers National Bank of Fujairah PSC to be Fairly Valued.

Key valuation signals for ADX:NBF:

  • E10: د.إ0.21
  • GF Value™: د.إ5.12 vs. price of د.إ5.00 (2.3% below fair value)
  • GF Score™: 56/100 with 5 warning signs

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


National Bank of Fujairah PSC Business Description

Address Hamad Bin Abdullah Street, P.O. Box 887, Fujairah, ARE
National Bank of Fujairah PSC is a UAE-based commercial bank. It provides commercial banking products and services in the United Arab Emirates. The group conducts its activity through segments namely, Corporate and Institutional Banking; Business Banking, Retail Banking; and Treasury, Asset and Liability Management and others. Its products and services include current, savings and fixed deposit, and personal, auto, home, and construction loans, as well as guarantees, overdrafts, and term lending solutions. The company's majority of the revenue is generated from the Business Banking segment which offers a products and services including credit and trade finance products, and services to small and medium sized customers through separate units and accepts deposits.
56GF Score

Get the complete analysis for ADX:NBF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ5.00
Price
د.إ5.12
GF Value