Oberbank AG (FRA:OBK) E10: €4.34 (As of Mar. 2026)


FRA:OBK Oberbank AG FRA:OBK
60 GF Score
Price €82.00
GF Value €76.30
Valuation Fairly Valued
! 8 Warning Signs
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What is Oberbank AG E10?

Oberbank AG FRA:OBK +3.02% 60 E10 is €4.34 as of Mar. 2026. GuruFocus rates FRA:OBK with a GF Score™ of 60/100 and a GF Value™ of €76.30 (Fairly Valued). The stock has 8 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.

Oberbank AG's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.310. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.34 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Oberbank AG's average E10 Growth Rate was 5.30% per year. During the past 3 years, the average E10 Growth Rate was 9.30% per year. During the past 5 years, the average E10 Growth Rate was 10.40% 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 Oberbank AG was 11.70% per year. The lowest was 4.40% per year. And the median was 8.30% per year.

As of today (2026-07-03), Oberbank AG's current stock price is €82.00. Oberbank AG's E10 for the quarter that ended in Mar. 2026 was €4.34. Oberbank AG's Shiller PE Ratio of today is 18.89.

During the past 13 years, the highest Shiller PE Ratio of Oberbank AG was 18.95. The lowest was 15.34. And the median was 17.20.


Oberbank AG  (FRA:OBK) 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.

Oberbank AG's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=82.00/4.34
=18.89

* 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 Oberbank AG was 18.95. The lowest was 15.34. And the median was 17.20.


Be Aware

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


Oberbank AG E10 Related Terms


Oberbank AG E10 Historical Data

* Premium members only.

The historical data trend for Oberbank AG'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.

Oberbank AG E10 Chart

Oberbank AG 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 0.00 0.00 0.00 0.00 4.26

Oberbank AG 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 2.82 2.78 4.22 4.26 4.34

FRA:OBK vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Oberbank AG'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.


Oberbank AG Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Oberbank AG's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Oberbank AG's Shiller PE Ratio falls into.


FRA:OBK
60GF Score
Oberbank AG FRA:OBK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Oberbank AG 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, Oberbank AG'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)
=1.31/140.3549*140.3549
=1.310

Current CPI (Mar. 2026) = 140.3549.

Oberbank AG Quarterly Data

per share eps CPI Adj_EPS
201606 0.733 101.092 1.018
201609 0.677 101.192 0.939
201612 0.780 102.092 1.072
201703 0.695 102.592 0.951
201706 0.773 102.991 1.053
201709 0.780 103.591 1.057
201712 0.644 104.291 0.867
201803 0.760 104.491 1.021
201806 0.890 105.091 1.189
201809 0.989 105.691 1.313
201812 0.630 106.291 0.832
201903 0.685 106.391 0.904
201906 1.033 106.791 1.358
201909 1.132 106.991 1.485
201912 0.291 108.091 0.378
202003 -1.052 108.024 -1.367
202006 1.346 107.915 1.751
202009 0.855 108.348 1.108
202012 0.679 109.321 0.872
202103 0.705 110.186 0.898
202106 0.906 110.943 1.146
202109 1.080 111.916 1.354
202112 0.630 113.971 0.776
202203 0.710 117.647 0.847
202206 0.509 120.567 0.593
202209 -0.179 123.811 -0.203
202212 2.393 125.541 2.675
202303 1.830 128.460 1.999
202306 1.424 130.191 1.535
202309 1.406 131.272 1.503
202312 0.754 132.570 0.798
202403 1.360 133.759 1.427
202406 1.493 134.083 1.563
202409 1.537 133.651 1.614
202412 0.976 135.273 1.013
202503 1.330 137.760 1.355
202506 1.200 138.517 1.216
202509 1.484 138.949 1.499
202512 1.240 140.355 1.240
202603 1.310 140.355 1.310

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 €4.34 mean?
Oberbank AG (FRA:OBK) has a E10 of €4.34 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Oberbank AG and its competitors.
Is Oberbank AG's E10 too high?
Oberbank AG's current E10 is €4.34. Overall, Oberbank AG has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Oberbank AG's E10 compare to PNC and USB?
Oberbank AG's E10 of €4.34 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 Oberbank AG and its competitors. Oberbank AG's current E10 is €4.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oberbank AG stock overvalued right now?
Based on GuruFocus' analysis, Oberbank AG (FRA:OBK) is currently considered Fairly Valued. The stock's GF Value™ is €76.30, compared to a current price of €82.00 — trading 7.5% above its estimated fair value. The current E10 is €4.34. Oberbank AG's overall GF Score™ is 60/100 with 8 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 Oberbank AG (FRA:OBK), the current E10 is €4.34 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 Oberbank AG (FRA:OBK) Overvalued in 2026?

Based on GuruFocus' analysis, Oberbank AG stock appears to be overvalued. The current stock price of €82.00 is trading 7.5% above its estimated GF Value™ of €76.30. GuruFocus considers Oberbank AG to be Fairly Valued.

Key valuation signals for FRA:OBK:

  • E10: €4.34
  • GF Value™: €76.30 vs. price of €82.00 (7.5% above fair value)
  • GF Score™: 60/100 with 8 warning signs

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


Oberbank AG Business Description

Other Exchanges 0C6Y:UKOBS:Austria
Address Untere Donaulande 28, Linz, AUT, 4020
Oberbank AG provides various banking products and services. The company's operating segments include Corporate and Business Banking, Personal Banking, Financial Markets, and Others. The firm offers services such as corporate and business loans, investment finance, structured finance, export finance, syndicated loans international lending, and payment services. It also offers deposit banking, personal accounts and personal loans, asset management, brokerage, private banking, building and loan association saving, insurance services, as well as card products. The majority of its revenue is derived from Corporate and Business Banking.
60GF Score

Get the complete analysis for FRA:OBK

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

€82.00
Price
€76.30
GF Value