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United Arab Bank PJSCADX:UAB 60 PB Ratio is 1.08 as of Jul. 16, 2026, which is 5% above its 10-year median of 1.03. GuruFocus rates ADX:UAB with a GF Score™ of 60/100 and a GF Value™ of د.إ1.25 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,517 Banks companies, United Arab Bank PJSC ranks better than 52.21% on this metric.
The historical rank and industry rank for United Arab Bank PJSC's PB Ratio or its related term are showing as below:
ADX:UAB'
s PB Ratio Range Over the Past 10 Years
Min: 0.75 Med: 1.03 Max: 1.41
Current: 1.08
During the past 13 years, United Arab Bank PJSC's highest PB Ratio was 1.41. The lowest was 0.75. And the median was 1.03.
ADX:UAB's PB Ratio is ranked better than 52.21% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs ADX:UAB: 1.08
During the past 12 months, United Arab Bank PJSC's average Book Value Per Share Growth Rate was 5.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 25.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -2.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Arab Bank PJSC was 25.20% per year. The lowest was -19.10% per year. And the median was 1.00% per year.
Back to Basics: PB Ratio
United Arab Bank PJSC (ADX:UAB) PB Ratio Explanation
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.
* 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.
United Arab Bank PJSC PB Ratio Competitor Comparison
For the Banks - Regional subindustry, United Arab Bank PJSC'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.
United Arab Bank PJSC PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Arab Bank PJSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Arab Bank PJSC's PB Ratio falls into.
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.
* 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.
United Arab Bank PJSC (ADX:UAB) has a PB Ratio of 1.08 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Arab Bank PJSC and its competitors. This is near median its historical median of 1.03. Over the past decade, United Arab Bank PJSC's PB Ratio has ranged from 0.75 to 1.41. According to the industry distribution chart, United Arab Bank PJSC ranks #725 out of 1517 companies in the Banks industry, placing it in the top 47.8%.
Is United Arab Bank PJSC's PB Ratio too high?
United Arab Bank PJSC's current PB Ratio of 1.08 is near median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 1.41. The Banks industry median PB Ratio is 1.11. United Arab Bank PJSC's value of 1.08 is 2.7% below this industry median. Based on the distribution chart, United Arab Bank PJSC ranks #725 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, United Arab Bank PJSC has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Arab Bank PJSC's PB Ratio compare to competitors?
According to the Banks industry distribution chart, United Arab Bank PJSC ranks #725 out of 1517 companies for PB Ratio. This puts United Arab Bank PJSC in the upper half of its industry. The industry median PB Ratio is 1.11. United Arab Bank PJSC's value of 1.08 is 2.7% below this benchmark. Historically, United Arab Bank PJSC's own PB Ratio has ranged from 0.75 to 1.41 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.11, United Arab Bank PJSC has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Arab Bank PJSC's current PB Ratio of 1.08 is 2.7% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Arab Bank PJSC and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Arab Bank PJSC's current PB Ratio is 1.08, which is near median its own 10-year median of 1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Arab Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, United Arab Bank PJSC (ADX:UAB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.25, compared to a current price of د.إ1.34 — trading 7.2% above its estimated fair value. The current PB Ratio is 1.08, which is near median its 10-year median of 1.03 and 2.7% below the Banks industry median of 1.11. United Arab Bank PJSC's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Arab Bank PJSC (ADX:UAB), the current PB Ratio is 1.08 as of Jul. 16, 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 United Arab Bank PJSC (ADX:UAB) Overvalued in 2026?
Based on GuruFocus' analysis, United Arab Bank PJSC stock appears to be overvalued.
The current stock price of د.إ1.34 is trading 7.2% above its estimated GF Value™ of د.إ1.25.
GuruFocus considers United Arab Bank PJSC to be Fairly Valued.
Key valuation signals for ADX:UAB:
PB Ratio: 1.08 (near median its 10-year median of 1.03)
GF Value™: د.إ1.25 vs. price of د.إ1.34 (7.2% above fair value)
Industry Position: 2.7% below the Banks median (#725 of 1517)
No single metric tells the full story. See the ADX:UAB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Arab Bank PJSC provides financial services. The company is organized into three segments: Wholesale Banking, Retail Banking, and Treasury and capital markets. Wholesale banking handles loans and other credit facilities and deposits and current accounts for corporate and institutional customers. Retail banking handles individual customers' deposits and provides consumer-type loans, overdrafts, credit card facilities, and funds transfer facilities and Treasury and capital markets engaged in investments and interbank treasury operations including transactions for foreign exchange, derivatives, margin FX and hedging strategies Islamic banking services, and others.
60GF Score
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