Banca Monte dei Paschi di SienaBMDPF 51 PB Ratio is 1.08 as of Jul. 03, 2026, which is 414% above its 10-year median of 0.21. GuruFocus rates BMDPF with a GF Score™ of 51/100 and a GF Value™ of $5.40 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 1,517 Banks companies, Banca Monte dei Paschi di Siena ranks worse than 56.43% on this metric.
Banca Monte dei Paschi di Siena stock PB Ratio (=1.16) is close to 5-year high of 1.17.
The historical rank and industry rank for Banca Monte dei Paschi di Siena's PB Ratio or its related term are showing as below:
BMDPF'
s PB Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.21 Max: 1.52
Current: 1.12
During the past 13 years, Banca Monte dei Paschi di Siena's highest PB Ratio was 1.52. The lowest was 0.01. And the median was 0.21.
BMDPF's PB Ratio is ranked worse than 56.43% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs BMDPF: 1.12
During the past 12 months, Banca Monte dei Paschi di Siena's average Book Value Per Share Growth Rate was -2.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -44.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -49.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Banca Monte dei Paschi di Siena was 13.80% per year. The lowest was -72.60% per year. And the median was -39.80% per year.
Back to Basics: PB Ratio
Banca Monte dei Paschi di Siena (OTCPK:BMDPF) 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.
Banca Monte dei Paschi di Siena PB Ratio Related Terms
Banca Monte dei Paschi di Siena PB Ratio 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.
Banca Monte dei Paschi di Siena PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Banca Monte dei Paschi di Siena'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.
Banca Monte dei Paschi di Siena PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banca Monte dei Paschi di Siena's PB Ratio distribution charts can be found below:
* The bar in red indicates where Banca Monte dei Paschi di Siena's PB Ratio falls into.
Banca Monte dei Paschi di Siena 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.
* 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.
Banca Monte dei Paschi di Siena (BMDPF) has a PB Ratio of 1.08 as of Jul. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Banca Monte dei Paschi di Siena and its competitors. This is 414% above median its historical median of 0.21. Over the past decade, Banca Monte dei Paschi di Siena's PB Ratio has ranged from 0.01 to 1.52. According to the industry distribution chart, Banca Monte dei Paschi di Siena ranks #856 out of 1517 companies in the Banks industry, placing it in the top 56.4%.
Is Banca Monte dei Paschi di Siena's PB Ratio too high?
Banca Monte dei Paschi di Siena's current PB Ratio of 1.08 is 414% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.52. The Banks industry median PB Ratio is 1.10. Banca Monte dei Paschi di Siena's value of 1.08 is 1.8% below this industry median. Based on the distribution chart, Banca Monte dei Paschi di Siena ranks #856 out of 1517 companies in the Banks industry, which is below the industry midpoint. Overall, Banca Monte dei Paschi di Siena has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Monte dei Paschi di Siena's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Banca Monte dei Paschi di Siena ranks #856 out of 1517 companies for PB Ratio. This places Banca Monte dei Paschi di Siena in the lower half of its industry. The industry median PB Ratio is 1.10. Banca Monte dei Paschi di Siena's value of 1.08 is 1.8% below this benchmark. Historically, Banca Monte dei Paschi di Siena's own PB Ratio has ranged from 0.01 to 1.52 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 1.10, Banca Monte dei Paschi di Siena 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 1.10, 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. Banca Monte dei Paschi di Siena's current PB Ratio of 1.08 is 1.8% 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 Banca Monte dei Paschi di Siena and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Monte dei Paschi di Siena's current PB Ratio is 1.08, which is 414% above median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Monte dei Paschi di Siena stock overvalued right now?
Based on GuruFocus' analysis, Banca Monte dei Paschi di Siena (BMDPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.40, compared to a current price of $11.71 — trading 116.9% above its estimated fair value. The current PB Ratio is 1.08, which is 414% above median its 10-year median of 0.21 and 1.8% below the Banks industry median of 1.10. Banca Monte dei Paschi di Siena's overall GF Score™ is 51/100 with 10 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 Banca Monte dei Paschi di Siena (BMDPF), the current PB Ratio is 1.08 as of Jul. 03, 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 Banca Monte dei Paschi di Siena (BMDPF) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Monte dei Paschi di Siena stock appears to be overvalued.
The current stock price of $11.71 is trading 116.9% above its estimated GF Value™ of $5.40.
GuruFocus considers Banca Monte dei Paschi di Siena to be Significantly Overvalued.
Key valuation signals for BMDPF:
PB Ratio: 1.08 (414% above median its 10-year median of 0.21)
GF Value™: $5.40 vs. price of $11.71 (116.9% above fair value)
Industry Position: 1.8% below the Banks median (#856 of 1517)
No single metric tells the full story. See the BMDPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Monte dei Paschi di Siena Business Description
Banca Monte dei Paschi di Siena is a banking group operating in Italy, mainly providing retail and commercial banking services. The group has five segments: Retail Banking, Wealth Management, Corporate Banking, Large Corporate & Investment Banking, and Mediobanca Group. Retail Banking serves retail customers, including Banca Widiba. Wealth Management focuses on private and family office clients. Corporate Banking serves SME and corporate clients. Large Corporate & Investment Banking provides corporate finance and investment banking services. The Mediobanca Group segment includes wealth management, consumer finance, and corporate and investment banking activities. It generates the majority of its revenue from the Retail Banking segment.
51GF Score
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