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Palestine Investment BankXPAE:PIBC 51 Graham Number is $0.83 as of Mar. 2026, which is 10% below its 10-year median of 0.92. GuruFocus rates XPAE:PIBC with a GF Score™ of 51/100 and a GF Value™ of $0.93 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,432 Banks companies, Palestine Investment Bank ranks worse than 87.22% 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.
The historical rank and industry rank for Palestine Investment Bank's Graham Number or its related term are showing as below:
XPAE:PIBC'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.68 Med: 0.92 Max: 3.16
Current: 1.28
During the past 13 years, the highest Price to Graham Number ratio of Palestine Investment Bank was 3.16. The lowest was 0.68. And the median was 0.92.
XPAE:PIBC's Price-to-Graham-Number is ranked worse than 87.22% of 1432
companies
in the Banks industry
Industry Median: 0.8
vs XPAE:PIBC: 1.28
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Palestine Investment Bank (XPAE:PIBC) 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.
Palestine Investment Bank's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
1.06
/
0.83
=
1.28
* 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.
Palestine Investment Bank Graham Number Related Terms
Palestine Investment Bank 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.
For the Banks - Regional subindustry, Palestine Investment Bank'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.
Palestine Investment Bank Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Palestine Investment Bank's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Palestine Investment Bank'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.
Palestine Investment Bank (XPAE:PIBC) has a Graham Number of $0.83 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Palestine Investment Bank and its competitors. This is 10% below median its historical median of 0.92. Over the past decade, Palestine Investment Bank's Graham Number has ranged from 0.68 to 3.16. According to the industry distribution chart, Palestine Investment Bank ranks #1249 out of 1432 companies in the Banks industry, placing it in the top 87.2%.
Is Palestine Investment Bank's Graham Number too high?
Palestine Investment Bank's current Graham Number of $0.83 is 10% below median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 3.16. The Banks industry median Graham Number is 0.80. Palestine Investment Bank's value of $0.83 is 3.7% above this industry median. Based on the distribution chart, Palestine Investment Bank ranks #1249 out of 1432 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Palestine Investment Bank has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Palestine Investment Bank's Graham Number compare to PNC and USB?
According to the Banks industry distribution chart, Palestine Investment Bank ranks #1249 out of 1432 companies for Graham Number. This places Palestine Investment Bank in the lower half of its industry. The industry median Graham Number is 0.80. Palestine Investment Bank's value of $0.83 is 3.7% above this benchmark. Historically, Palestine Investment Bank's own Graham Number has ranged from 0.68 to 3.16 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.80, Palestine Investment Bank 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 0.80, based on 1,432 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. Palestine Investment Bank's current Graham Number of $0.83 is 3.7% 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 Palestine Investment Bank and its competitors. For the Banks industry, the median Graham Number is 0.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palestine Investment Bank's current Graham Number is $0.83, which is 10% below median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Palestine Investment Bank stock overvalued right now?
Based on GuruFocus' analysis, Palestine Investment Bank (XPAE:PIBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.93, compared to a current price of $1.06 — trading 14% above its estimated fair value. The current Graham Number is $0.83, which is 10% below median its 10-year median of 0.92 and 3.7% above the Banks industry median of 0.80. Palestine Investment Bank's overall GF Score™ is 51/100 with 4 warning signs 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 Palestine Investment Bank (XPAE:PIBC), the current Graham Number is $0.83 as of Mar. 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 Palestine Investment Bank (XPAE:PIBC) Overvalued in 2026?
Based on GuruFocus' analysis, Palestine Investment Bank stock appears to be overvalued.
The current stock price of $1.06 is trading 14% above its estimated GF Value™ of $0.93.
GuruFocus considers Palestine Investment Bank to be Modestly Overvalued.
Key valuation signals for XPAE:PIBC:
Graham Number: $0.83 (10% below median its 10-year median of 0.92)
GF Value™: $0.93 vs. price of $1.06 (14% above fair value)
Industry Position: 3.7% above the Banks median (#1249 of 1432)
No single metric tells the full story. See the XPAE:PIBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Palestine Investment Bank is engaged in banking and financial activities in Palestine. The services provided by the bank include a Current Account, Savings Account, Term Deposit Account, and Smart Deposit. The commercial services of the bank include Letters of Credit, Issuing Letters of Guarantee, and Bills for Collection. The company's operating business segments are Retail banking, Corporate banking services, Treasury, and others. The revenue of the company derives from retail banking.
51GF Score
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