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Pacific Alliance Bank CAPFBN 53 Graham Number is $21.93 as of Dec. 2025, which is 4884% above its 10-year median of 0.44. GuruFocus rates PFBN with a GF Score™ of 53/100 and a GF Value™ of $8.53 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,433 Banks companies, Pacific Alliance Bank CA ranks better than 87.02% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
Pacific Alliance Bank CA (OTCPK:PFBN) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Pacific Alliance Bank CA's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
9.2739
/
21.93
=
0.42
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Pacific Alliance Bank CA Graham Number Related Terms
Pacific Alliance Bank CA Graham Number Historical Data
* 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.
PFBN vs VWFB, ECLP, APLO: Graham Number Comparison
For the Banks - Regional subindustry, Pacific Alliance Bank CA's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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.
Pacific Alliance Bank CA Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Alliance Bank CA's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Pacific Alliance Bank CA's Price-to-Graham-Number falls into.
* 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.
Pacific Alliance Bank CA (PFBN) has a Graham Number of $21.93 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Pacific Alliance Bank CA and its competitors. This is 4884% above median its historical median of 0.44. Over the past decade, Pacific Alliance Bank CA's Graham Number has ranged from 0.38 to 0.72. According to the industry distribution chart, Pacific Alliance Bank CA ranks #186 out of 1433 companies in the Banks industry, placing it in the top 13%.
Is Pacific Alliance Bank CA's Graham Number too high?
Pacific Alliance Bank CA's current Graham Number of $21.93 is 4884% above median its 10-year median of 0.44. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 0.72. The Banks industry median Graham Number is 0.81. Pacific Alliance Bank CA's value of $21.93 is 2607.4% above this industry median. Based on the distribution chart, Pacific Alliance Bank CA ranks #186 out of 1433 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pacific Alliance Bank CA has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pacific Alliance Bank CA's Graham Number compare to VWFB and ECLP?
According to the Banks industry distribution chart, Pacific Alliance Bank CA ranks #186 out of 1433 companies for Graham Number. This places Pacific Alliance Bank CA in the top 13% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.81. Pacific Alliance Bank CA's value of $21.93 is 2607.4% above this benchmark. Historically, Pacific Alliance Bank CA's own Graham Number has ranged from 0.38 to 0.72 over the past decade. While the company's 10-year median is 0.44 vs. the industry median of 0.81, Pacific Alliance Bank CA 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 Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,433 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Alliance Bank CA's current Graham Number of $21.93 is 2607.4% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Pacific Alliance Bank CA and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Alliance Bank CA's current Graham Number is $21.93, which is 4884% above median its own 10-year median of 0.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Alliance Bank CA stock overvalued right now?
Based on GuruFocus' analysis, Pacific Alliance Bank CA (PFBN) is currently considered Fairly Valued. The stock's GF Value™ is $8.53, compared to a current price of $9.27 — trading 8.7% above its estimated fair value. The current Graham Number is $21.93, which is 4884% above median its 10-year median of 0.44 and 2607.4% above the Banks industry median of 0.81. Pacific Alliance Bank CA's overall GF Score™ is 53/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Pacific Alliance Bank CA (PFBN), the current Graham Number is $21.93 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 Pacific Alliance Bank CA (PFBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Alliance Bank CA stock appears to be overvalued.
The current stock price of $9.27 is trading 8.7% above its estimated GF Value™ of $8.53.
GuruFocus considers Pacific Alliance Bank CA to be Fairly Valued.
Key valuation signals for PFBN:
Graham Number: $21.93 (4884% above median its 10-year median of 0.44)
GF Value™: $8.53 vs. price of $9.27 (8.7% above fair value)
Industry Position: 2607.4% above the Banks median (#186 of 1433)
No single metric tells the full story. See the PFBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Alliance Bank CA is a commercial bank, engaged in client relationships with businesses, client communities, related business owners, owner's families, and employees. The company delivers distinctive deposit, loan, and service products, based on client needs. It serves Rosemead, its surrounding communities, and Southern California in general. The bank has branches in San Gabriel, Rowland Heights, and Irvine.
53GF Score
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