Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Jyoti Bikas Bank has the GF Score of 72, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Jyoti Bikas Bank
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Jyoti Bikas Bank (XNEP:JBBL) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Jyoti Bikas Bank GF Score Related Terms
Jyoti Bikas Bank GF Score Competitor Comparison
For the Banks - Regional subindustry, Jyoti Bikas Bank's GF Score, along with its competitors' market caps and GF Score 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.
Jyoti Bikas Bank GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Jyoti Bikas Bank's GF Score distribution charts can be found below:
* The bar in red indicates where Jyoti Bikas Bank's GF Score falls into.
Jyoti Bikas Bank (XNEP:JBBL) has a GF Score of 72 as of Jul. 29, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Jyoti Bikas Bank and its competitors. This is 18% below median its historical median of 88.00. Over the past decade, Jyoti Bikas Bank's GF Score has ranged from 48.00 to 99.00.
Is Jyoti Bikas Bank's GF Score too high?
Jyoti Bikas Bank's current GF Score of 72 is 18% below median its 10-year median of 88.00. Over the past 10 years, this metric has ranged from a low of 48.00 to a high of 99.00. Overall, Jyoti Bikas Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's GF Score compare to competitors?
Jyoti Bikas Bank's GF Score of 72 can be compared against companies in the Banks industry. Historically, Jyoti Bikas Bank's own GF Score has ranged from 48.00 to 99.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Jyoti Bikas Bank and its competitors. Jyoti Bikas Bank's current GF Score is 72, which is 18% below median its own 10-year median of 88.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR329.74, compared to a current price of NPR347.20 — trading 5.3% above its estimated fair value. The current GF Score is 72, which is 18% below median its 10-year median of 88.00. Jyoti Bikas Bank's overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Jyoti Bikas Bank (XNEP:JBBL), the current GF Score is 72 as of Jul. 29, 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 Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?
Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued.
The current stock price of NPR347.20 is trading 5.3% above its estimated GF Value™ of NPR329.74.
GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.
Key valuation signals for XNEP:JBBL:
GF Score: 72 (18% below median its 10-year median of 88.00)
GF Value™: NPR329.74 vs. price of NPR347.20 (5.3% above fair value)
No single metric tells the full story. See the XNEP:JBBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score
Get the complete analysis for XNEP:JBBL
GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:JBBL has been successfully added to your 
