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Naugatuck Valley Financial (Naugatuck Valley Financial) PB Ratio : 1.24 (As of Apr. 25, 2024)


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What is Naugatuck Valley Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-25), Naugatuck Valley Financial's share price is $10.95. Naugatuck Valley Financial's Book Value per Share for the quarter that ended in Sep. 2015 was $8.82. Hence, Naugatuck Valley Financial's PB Ratio of today is 1.24.

The historical rank and industry rank for Naugatuck Valley Financial's PB Ratio or its related term are showing as below:

NVSL's PB Ratio is not ranked *
in the Banks industry.
Industry Median: 0.85
* Ranked among companies with meaningful PB Ratio only.

Back to Basics: PB Ratio


Naugatuck Valley Financial PB Ratio Historical Data

The historical data trend for Naugatuck Valley Financial's PB 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.

* Premium members only.

Naugatuck Valley Financial PB Ratio Chart

Naugatuck Valley Financial Annual Data
Trend Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.91 0.58 0.70 0.87 0.98

Naugatuck Valley Financial Quarterly Data
Dec10 Mar11 Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15
PB Ratio 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 0.92 0.98 1.05 1.22 1.23

Competitive Comparison of Naugatuck Valley Financial's PB Ratio

For the Banks - Regional subindustry, Naugatuck Valley Financial's PB Ratio, along with its competitors' market caps and PB 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.


Naugatuck Valley Financial's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Naugatuck Valley Financial's PB Ratio distribution charts can be found below:

* The bar in red indicates where Naugatuck Valley Financial's PB Ratio falls into.



Naugatuck Valley Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Naugatuck Valley Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Sep. 2015)
=10.95/8.82
=1.24

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Naugatuck Valley Financial  (NAS:NVSL) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Naugatuck Valley Financial PB Ratio Related Terms

Thank you for viewing the detailed overview of Naugatuck Valley Financial's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Naugatuck Valley Financial (Naugatuck Valley Financial) Business Description

Traded in Other Exchanges
N/A
Address
Naugatuck Valley Financial Corporation was organized in 1922 as a federal Corporation, and is a holding company for Naugatuck Valley Savings and Loan. The Company operates as a community-oriented financial institution offering traditional financial services to consumers and businesses in its market area. It attracts deposits from the general public and uses those funds to originate one to four family, multi-family and commercial real estate, construction, commercial business, and consumer loans. Originations of long-term, fixed rate residential loans are sold in the secondary mortgage market. Deposits and loan repayments are the sources of its funds for lending and other investment purposes. Loan repayments are a stable source of funds, while deposit inflows and outflows and loan prepayments are influenced by general interest rates and money market conditions. The Deposits are attracted from within its market area through the offering of a broad selection of deposit instruments, including NOW accounts, checking accounts, money market accounts, regular savings accounts, club savings accounts, certificate accounts, health savings accounts and various retirement accounts. The Company borrows from the Federal Home Loan Bank of Boston to supplement its supply of lendable funds and to meet deposit withdrawal requirements. The Federal Home Loan Bank functions as a central reserve bank providing credit for member financial institutions. Its lending activities includes One to Four Family Residential Loans; Multi-Family and Commercial Real Estate Loan; Construction Loans; Commercial Business Loans; and Consumer Loans. It faces competition for loans from financial institutions, such as mortgage companies and mortgage brokers and non-depository financial service companies in the mortgage market, such as insurance companies, securities companies and specialty finance companies.
Executives
Lawrence B Seidman director LANIDEX CORPORATE PARK, 100 LANIDEX PLAZA 1ST FL, PARSIPPANY NJ 07054
James E Cotter officer: EVP & COO C/O NAUGATUCK VALLEY FINANCIAL CORP., 333 CHURCH STREET, NAUGATUCK CT 06770
J Allen Kosowsky director C/O THOR INDUSTRIES, INC., 419 WEST PIKE STREET, JACKSON CENTER OH 45334-0629

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