CHIX:NLBl's PB Ratio is ranked worse than 55.78% of 1515
companies
in the Banks industry
Industry Median: 1.1
vs CHIX:NLBl: 1.18
During the past 12 months, Nova Ljubljanska banka dd Ljubljana's average Book Value Per Share Growth Rate was 15.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 14.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.10% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Nova Ljubljanska banka dd Ljubljana was 16.90% per year. The lowest was 4.10% per year. And the median was 10.40% per year.
Back to Basics: PB Ratio
Nova Ljubljanska banka dd Ljubljana (CHIX:NLBl) 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.
Nova Ljubljanska banka dd Ljubljana PB Ratio Related Terms
Nova Ljubljanska banka dd Ljubljana 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.
Nova Ljubljanska banka dd Ljubljana PB Ratio Chart
For the Banks - Regional subindustry, Nova Ljubljanska banka dd Ljubljana'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.
Nova Ljubljanska banka dd Ljubljana PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Nova Ljubljanska banka dd Ljubljana's PB Ratio distribution charts can be found below:
* The bar in red indicates where Nova Ljubljanska banka dd Ljubljana's PB Ratio falls into.
Nova Ljubljanska banka dd Ljubljana 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.
Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL) has a PB Ratio of 1.17 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Nova Ljubljanska banka dd Ljubljana and its competitors. This is 70% above median its historical median of 0.69. Over the past decade, Nova Ljubljanska banka dd Ljubljana's PB Ratio has ranged from 0.39 to 1.18. According to the industry distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #845 out of 1515 companies in the Banks industry, placing it in the top 55.8%.
Is Nova Ljubljanska banka dd Ljubljana's PB Ratio too high?
Nova Ljubljanska banka dd Ljubljana's current PB Ratio of 1.17 is 70% above median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.18. The Banks industry median PB Ratio is 1.10. Nova Ljubljanska banka dd Ljubljana's value of 1.17 is 6.4% above this industry median. Based on the distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #845 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, Nova Ljubljanska banka dd Ljubljana has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nova Ljubljanska banka dd Ljubljana's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #845 out of 1515 companies for PB Ratio. This places Nova Ljubljanska banka dd Ljubljana in the lower half of its industry. The industry median PB Ratio is 1.10. Nova Ljubljanska banka dd Ljubljana's value of 1.17 is 6.4% above this benchmark. Historically, Nova Ljubljanska banka dd Ljubljana's own PB Ratio has ranged from 0.39 to 1.18 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.10, Nova Ljubljanska banka dd Ljubljana 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,515 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. Nova Ljubljanska banka dd Ljubljana's current PB Ratio of 1.17 is 6.4% 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 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 Nova Ljubljanska banka dd Ljubljana 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. Nova Ljubljanska banka dd Ljubljana's current PB Ratio is 1.17, which is 70% above median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nova Ljubljanska banka dd Ljubljana stock overvalued right now?
Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL) is currently considered Significantly Overvalued. The stock's GF Value™ is €27.58, compared to a current price of €45.30 — trading 64.2% above its estimated fair value. The current PB Ratio is 1.17, which is 70% above median its 10-year median of 0.69 and 6.4% above the Banks industry median of 1.10. Nova Ljubljanska banka dd Ljubljana's overall GF Score™ is 76/100 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 Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL), the current PB Ratio is 1.17 as of Jul. 12, 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 Nova Ljubljanska banka dd Ljubljana (CHIX:NLBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana stock appears to be overvalued.
The current stock price of €45.30 is trading 64.2% above its estimated GF Value™ of €27.58.
GuruFocus considers Nova Ljubljanska banka dd Ljubljana to be Significantly Overvalued.
Key valuation signals for CHIX:NLBL:
PB Ratio: 1.17 (70% above median its 10-year median of 0.69)
GF Value™: €27.58 vs. price of €45.30 (64.2% above fair value)
Industry Position: 6.4% above the Banks median (#845 of 1515)
No single metric tells the full story. See the CHIX:NLBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nova Ljubljanska banka dd Ljubljana Business Description
Nova Ljubljanska banka dd Ljubljana is a Slovenia-based entity providing universal banking services. It is a principal provider of banking products, asset management, and insurance products. The company has six operating segments: Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other Activities. Geographically, the company operates in Slovenia, Southeast Europe (North Macedonia, Serbia, Montenegro, Croatia, Bosnia & Herzegovina, and Kosovo), and Western Europe (Germany and Switzerland). Geographically, the company generates the majority of its revenue from Slovenia.
76GF Score
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