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IBW FinancialIBWC 35 Shiller PE Ratio is 25.71 as of Sep. 05, 2026, which is 180% above its 10-year median of 9.17. GuruFocus rates IBWC with a GF Score™ of 35/100 and a GF Value™ of $29.40 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,237 Banks companies, IBW Financial ranks worse than 87.87% on this metric.
As of today (2026-09-05), IBW Financial's current share price is $100.00. IBW Financial's E10 for the fiscal year that ended in Dec25 was $3.89. IBW Financial's Shiller PE Ratio for today is 25.71.
The historical rank and industry rank for IBW Financial's Shiller PE Ratio or its related term are showing as below:
IBWC'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.56 Med: 9.17 Max: 25.71
Current: 25.68
During the past 12 years, IBW Financial's highest Shiller PE Ratio was 25.71. The lowest was 3.56. And the median was 9.17.
IBWC's Shiller PE Ratio is ranked worse than 87.87% of 1237
companies
in the Banks industry
Industry Median: 13.88
vs IBWC: 25.68
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.
IBW Financial's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $-2.060. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $3.89 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
IBW Financial (OTCPK:IBWC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
IBW Financial Shiller PE Ratio Related Terms
IBW Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for IBW Financial's Shiller PE Ratio 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.
IBWC vs PGNN, FBVI, STBI: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, IBW Financial'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.
IBW Financial Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where IBW Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, 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 PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
IBW Financial's Shiller PE Ratio for today is calculated as
* 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.
IBW Financial's E10 for the fiscal year that ended in Dec25 is calculated as:
For example, IBW Financial's adjusted earnings per share data for the fiscal year that ended in Dec25 was:
Add all the adjusted EPS together and divide 10 will get our 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.
IBW Financial (IBWC) has a Shiller PE Ratio of 25.71 as of Sep. 05, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on IBW Financial and its competitors. This is 180% above median its historical median of 9.17. Over the past decade, IBW Financial's Shiller PE Ratio has ranged from 3.56 to 25.71. According to the industry distribution chart, IBW Financial ranks #1087 out of 1237 companies in the Banks industry, placing it in the top 87.9%.
Is IBW Financial's Shiller PE Ratio too high?
IBW Financial's current Shiller PE Ratio of 25.71 is 180% above median its 10-year median of 9.17. Over the past 10 years, this metric has ranged from a low of 3.56 to a high of 25.71. The Banks industry median Shiller PE Ratio is 13.88. IBW Financial's value of 25.71 is 85.2% above this industry median. Based on the distribution chart, IBW Financial ranks #1087 out of 1237 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, IBW Financial has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's Shiller PE Ratio compare to PGNN and FBVI?
According to the Banks industry distribution chart, IBW Financial ranks #1087 out of 1237 companies for Shiller PE Ratio. This places IBW Financial in the lower half of its industry. The industry median Shiller PE Ratio is 13.88. IBW Financial's value of 25.71 is 85.2% above this benchmark. Historically, IBW Financial's own Shiller PE Ratio has ranged from 3.56 to 25.71 over the past decade. While the company's 10-year median is 9.17 vs. the industry median of 13.88, IBW Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.88, based on 1,237 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IBW Financial's current Shiller PE Ratio of 25.71 is 85.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on IBW Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBW Financial's current Shiller PE Ratio is 25.71, which is 180% above median its own 10-year median of 9.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.40, compared to a current price of $100.00 — trading 240.1% above its estimated fair value. The current Shiller PE Ratio is 25.71, which is 180% above median its 10-year median of 9.17 and 85.2% above the Banks industry median of 13.88. IBW Financial's overall GF Score™ is 35/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For IBW Financial (IBWC), the current Shiller PE Ratio is 25.71 as of Sep. 05, 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $100.00 is trading 240.1% above its estimated GF Value™ of $29.40.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
Shiller PE Ratio: 25.71 (180% above median its 10-year median of 9.17)
GF Value™: $29.40 vs. price of $100.00 (240.1% above fair value)
Industry Position: 85.2% above the Banks median (#1087 of 1237)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
35GF Score
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Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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