CB Central Cooperative Bank AD (XBUL:CCB) E10: €0.22 (As of Dec. 2025)


XBUL:CCB CB Central Cooperative Bank AD XBUL:CCB
55 GF Score
Price €1.63
GF Value €1.90
Valuation Modestly Undervalued
! 1 Warning Sign
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What is CB Central Cooperative Bank AD E10?

CB Central Cooperative Bank AD XBUL:CCB 55 E10 is €0.22 as of Dec. 2025. GuruFocus rates XBUL:CCB with a GF Score™ of 55/100 and a GF Value™ of €1.90 (Modestly Undervalued). The stock has 1 warning sign 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.

CB Central Cooperative Bank AD's adjusted earnings per share data for the three months ended in Dec. 2025 was €0.066. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.22 for the trailing ten years ended in Dec. 2025.

During the past 12 months, CB Central Cooperative Bank AD's average E10 Growth Rate was 22.20% per year. During the past 3 years, the average E10 Growth Rate was 22.40% 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 CB Central Cooperative Bank AD was 22.40% per year. The lowest was 17.80% per year. And the median was 20.10% per year.

As of today (2026-07-02), CB Central Cooperative Bank AD's current stock price is €1.63. CB Central Cooperative Bank AD's E10 for the quarter that ended in Dec. 2025 was €0.22. CB Central Cooperative Bank AD's Shiller PE Ratio of today is 7.41.

During the past 13 years, the highest Shiller PE Ratio of CB Central Cooperative Bank AD was 14.67. The lowest was 4.55. And the median was 9.65.


CB Central Cooperative Bank AD  (XBUL:CCB) 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.

CB Central Cooperative Bank AD's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1.63/0.22
=7.41

* 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 CB Central Cooperative Bank AD was 14.67. The lowest was 4.55. And the median was 9.65.


Be Aware

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


CB Central Cooperative Bank AD E10 Related Terms


CB Central Cooperative Bank AD E10 Historical Data

* Premium members only.

The historical data trend for CB Central Cooperative Bank AD'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.

CB Central Cooperative Bank AD E10 Chart

CB Central Cooperative Bank AD 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 0.11 0.12 0.14 0.18 0.22

CB Central Cooperative Bank AD Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 0.18 0.19 0.20 0.21 0.22

XBUL:CCB vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, CB Central Cooperative Bank AD'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.


CB Central Cooperative Bank AD Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, CB Central Cooperative Bank AD's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where CB Central Cooperative Bank AD's Shiller PE Ratio falls into.


XBUL:CCB
55GF Score
CB Central Cooperative Bank AD XBUL:CCB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CB Central Cooperative Bank AD 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, CB Central Cooperative Bank AD's adjusted earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.066/324.0540*324.0540
=0.066

Current CPI (Dec. 2025) = 324.0540.

CB Central Cooperative Bank AD Quarterly Data

per share eps CPI Adj_EPS
201509 0.008 237.945 0.011
201512 0.000 236.525 0.000
201603 0.005 238.132 0.007
201606 0.070 241.018 0.094
201609 0.049 241.428 0.066
201612 -0.010 241.432 -0.013
201703 0.040 243.801 0.053
201706 0.040 244.955 0.053
201709 0.035 246.819 0.046
201712 0.046 246.524 0.060
201803 0.046 249.554 0.060
201806 -0.005 251.989 -0.006
201809 0.022 252.439 0.028
201812 0.071 251.233 0.092
201903 0.056 254.202 0.071
201906 0.038 256.143 0.048
201909 0.042 256.759 0.053
201912 -0.010 256.974 -0.013
202003 0.035 258.115 0.044
202006 0.000 257.797 0.000
202009 0.000 260.280 0.000
202012 0.038 260.474 0.047
202103 0.051 264.877 0.062
202106 0.035 271.696 0.042
202109 0.035 274.310 0.041
202112 -0.020 278.802 -0.023
202203 0.071 287.504 0.080
202206 -0.025 296.311 -0.027
202209 0.020 296.808 0.022
202212 0.081 296.797 0.088
202303 0.091 301.836 0.098
202312 0.076 306.746 0.080
202403 0.111 312.332 0.115
202406 0.091 314.175 0.094
202409 0.147 315.301 0.151
202412 0.015 315.605 0.015
202503 0.116 319.799 0.118
202506 0.076 322.561 0.076
202509 0.071 324.800 0.071
202512 0.066 324.054 0.066

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 €0.22 mean?
CB Central Cooperative Bank AD (XBUL:CCB) has a E10 of €0.22 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on CB Central Cooperative Bank AD and its competitors.
Is CB Central Cooperative Bank AD's E10 too high?
CB Central Cooperative Bank AD's current E10 is €0.22. Overall, CB Central Cooperative Bank AD has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Central Cooperative Bank AD's E10 compare to PNC and USB?
CB Central Cooperative Bank AD's E10 of €0.22 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 CB Central Cooperative Bank AD and its competitors. CB Central Cooperative Bank AD's current E10 is €0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Central Cooperative Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Central Cooperative Bank AD (XBUL:CCB) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.90, compared to a current price of €1.63 — trading 14.2% below its estimated fair value. The current E10 is €0.22. CB Central Cooperative Bank AD's overall GF Score™ is 55/100 with 1 warning sign 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 CB Central Cooperative Bank AD (XBUL:CCB), the current E10 is €0.22 as of Dec. 2025. 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 CB Central Cooperative Bank AD (XBUL:CCB) Overvalued in 2026?

Based on GuruFocus' analysis, CB Central Cooperative Bank AD stock appears to be undervalued. The current stock price of €1.63 is trading 14.2% below its estimated GF Value™ of €1.90. GuruFocus considers CB Central Cooperative Bank AD to be Modestly Undervalued.

Key valuation signals for XBUL:CCB:

  • E10: €0.22
  • GF Value™: €1.90 vs. price of €1.63 (14.2% below fair value)
  • GF Score™: 55/100 with 1 warning sign

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


CB Central Cooperative Bank AD Business Description

Address 87 Tsarigradsko Shose Boulevard, Sofia, BGR, 1086
CB Central Cooperative Bank AD is a universal commercial bank. The Bank comprises several products and services in the field of financial intermediation, with an emphasis on SME lending and retail banking. As a universal commercial bank, the company offers an array of financial products and services. The bank is a primary dealer of government securities on the Bulgarian domestic market.
55GF Score

Get the complete analysis for XBUL:CCB

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

€1.63
Price
€1.90
GF Value