Arab Islamic Bank (XPAE:AIB) E10: $0.09 (As of Dec. 2025)


XPAE:AIB Arab Islamic Bank XPAE:AIB
61 GF Score
Price $1.11
GF Value $1.24
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Arab Islamic Bank E10?

Arab Islamic Bank XPAE:AIB 61 E10 is $0.09 as of Dec. 2025. GuruFocus rates XPAE:AIB with a GF Score™ of 61/100 and a GF Value™ of $1.24 (Modestly Undervalued). The stock has 3 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.

Arab Islamic Bank's adjusted earnings per share data for the three months ended in Dec. 2025 was $-0.002. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.09 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Arab Islamic Bank's average E10 Growth Rate was -10.00% per year. During the past 3 years, the average E10 Growth Rate was -3.50% 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 Arab Islamic Bank was -3.50% per year. The lowest was -3.50% per year. And the median was -3.50% per year.

As of today (2026-07-03), Arab Islamic Bank's current stock price is $1.11. Arab Islamic Bank's E10 for the quarter that ended in Dec. 2025 was $0.09. Arab Islamic Bank's Shiller PE Ratio of today is 12.33.

During the past 13 years, the highest Shiller PE Ratio of Arab Islamic Bank was 20.00. The lowest was 10.20. And the median was 12.70.


Arab Islamic Bank  (XPAE:AIB) 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.

Arab Islamic Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1.11/0.09
=12.33

* 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 Arab Islamic Bank was 20.00. The lowest was 10.20. And the median was 12.70.


Be Aware

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


Arab Islamic Bank E10 Related Terms


Arab Islamic Bank E10 Historical Data

* Premium members only.

The historical data trend for Arab Islamic Bank'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.

Arab Islamic Bank E10 Chart

Arab Islamic Bank 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 0.10 0.10 0.10 0.09

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
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 0.10 0.10 0.10 0.10 0.09

XPAE:AIB vs PNC, USB: E10 Comparison

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


Arab Islamic Bank Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Arab Islamic Bank's Shiller PE Ratio falls into.


XPAE:AIB
61GF Score
Arab Islamic Bank XPAE:AIB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Arab Islamic Bank 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, Arab Islamic Bank'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)
=-0.002/324.0540*324.0540
=-0.002

Current CPI (Dec. 2025) = 324.0540.

Arab Islamic Bank Quarterly Data

per share eps CPI Adj_EPS
201603 0.031 238.132 0.042
201606 0.015 241.018 0.020
201609 0.027 241.428 0.036
201612 0.022 241.432 0.030
201703 0.023 243.801 0.031
201706 0.018 244.955 0.024
201709 0.019 246.819 0.025
201712 0.006 246.524 0.008
201803 0.014 249.554 0.018
201806 0.020 251.989 0.026
201809 0.021 252.439 0.027
201812 0.018 251.233 0.023
201903 0.024 254.202 0.031
201906 0.022 256.143 0.028
201909 0.022 256.759 0.028
201912 0.026 256.974 0.033
202003 0.020 258.115 0.025
202006 0.025 257.797 0.031
202009 0.019 260.280 0.024
202012 0.018 260.474 0.022
202103 0.032 264.877 0.039
202106 0.029 271.696 0.035
202109 0.036 274.310 0.043
202112 0.019 278.802 0.022
202203 0.036 287.504 0.041
202206 0.041 296.311 0.045
202209 0.040 296.808 0.044
202212 0.020 296.797 0.022
202303 0.041 301.836 0.044
202306 0.044 305.109 0.047
202309 -0.014 307.789 -0.015
202312 -0.016 306.746 -0.017
202403 0.024 312.332 0.025
202406 -0.019 314.175 -0.020
202409 0.001 315.301 0.001
202412 0.005 315.605 0.005
202503 0.017 319.799 0.017
202506 0.018 322.561 0.018
202509 0.020 324.800 0.020
202512 -0.002 324.054 -0.002

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 $0.09 mean?
Arab Islamic Bank (XPAE:AIB) has a E10 of $0.09 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Arab Islamic Bank and its competitors.
Is Arab Islamic Bank's E10 too high?
Arab Islamic Bank's current E10 is $0.09. Overall, Arab Islamic Bank has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arab Islamic Bank's E10 compare to PNC and USB?
Arab Islamic Bank's E10 of $0.09 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 Arab Islamic Bank and its competitors. Arab Islamic Bank's current E10 is $0.09. 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 Modestly Undervalued. The stock's GF Value™ is $1.24, compared to a current price of $1.11 — trading 10.5% below its estimated fair value. The current E10 is $0.09. Arab Islamic Bank's overall GF Score™ is 61/100 with 3 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 Arab Islamic Bank (XPAE:AIB), the current E10 is $0.09 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 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 $1.11 is trading 10.5% below its estimated GF Value™ of $1.24. GuruFocus considers Arab Islamic Bank to be Modestly Undervalued.

Key valuation signals for XPAE:AIB:

  • E10: $0.09
  • GF Value™: $1.24 vs. price of $1.11 (10.5% below fair value)
  • GF Score™: 61/100 with 3 warning signs

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.
61GF Score

Get the complete analysis for XPAE:AIB

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

$1.11
Price
$1.24
GF Value