China Construction BankCICHF -3.69%38 PB Ratio is 0.50 as of Jul. 03, 2026, which is 30% below its 10-year median of 0.71. GuruFocus rates CICHF with a GF Score™ of 38/100 and a GF Value™ of $0.87 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,517 Banks companies, China Construction Bank ranks better than 80.62% on this metric.
China Construction Bank Corp stock PB Ratio (=0.69) is close to 5-year high of 0.76.
The historical rank and industry rank for China Construction Bank's PB Ratio or its related term are showing as below:
CICHF'
s PB Ratio Range Over the Past 10 Years
Min: 0.48 Med: 0.71 Max: 1.42
Current: 0.63
During the past 13 years, China Construction Bank's highest PB Ratio was 1.42. The lowest was 0.48. And the median was 0.71.
CICHF's PB Ratio is ranked better than 80.62% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs CICHF: 0.63
During the past 12 months, China Construction Bank's average Book Value Per Share Growth Rate was 10.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of China Construction Bank was 31.00% per year. The lowest was 7.20% per year. And the median was 14.30% per year.
Back to Basics: PB Ratio
China Construction Bank (OTCPK:CICHF) 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.
For the Banks - Diversified subindustry, China Construction Bank'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.
China Construction Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, China Construction Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where China Construction Bank'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.
China Construction Bank (CICHF) has a PB Ratio of 0.50 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 China Construction Bank and its competitors. This is 30% below median its historical median of 0.71. Over the past decade, China Construction Bank's PB Ratio has ranged from 0.48 to 1.42. According to the industry distribution chart, China Construction Bank ranks #294 out of 1517 companies in the Banks industry, placing it in the top 19.4%.
Is China Construction Bank's PB Ratio too high?
China Construction Bank's current PB Ratio of 0.50 is 30% below median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 1.42. The Banks industry median PB Ratio is 1.10. China Construction Bank's value of 0.50 is 54.5% below this industry median. Based on the distribution chart, China Construction Bank ranks #294 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, China Construction Bank has a GF Score™ of 38/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Construction Bank's PB Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, China Construction Bank ranks #294 out of 1517 companies for PB Ratio. This places China Construction Bank in the top 19% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. China Construction Bank's value of 0.50 is 54.5% below this benchmark. Historically, China Construction Bank's own PB Ratio has ranged from 0.48 to 1.42 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 1.10, China Construction Bank 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. China Construction Bank's current PB Ratio of 0.50 is 54.5% 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 China Construction Bank 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. China Construction Bank's current PB Ratio is 0.50, which is 30% below median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Construction Bank stock overvalued right now?
Based on GuruFocus' analysis, China Construction Bank (CICHF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.87, compared to a current price of $1.02 — trading 16.7% above its estimated fair value. The current PB Ratio is 0.50, which is 30% below median its 10-year median of 0.71 and 54.5% below the Banks industry median of 1.10. China Construction Bank's overall GF Score™ is 38/100 with 8 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 China Construction Bank (CICHF), the current PB Ratio is 0.50 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 China Construction Bank (CICHF) Overvalued in 2026?
Based on GuruFocus' analysis, China Construction Bank stock appears to be overvalued.
The current stock price of $1.02 is trading 16.7% above its estimated GF Value™ of $0.87.
GuruFocus considers China Construction Bank to be Modestly Overvalued.
Key valuation signals for CICHF:
PB Ratio: 0.50 (30% below median its 10-year median of 0.71)
GF Value™: $0.87 vs. price of $1.02 (16.7% above fair value)
Industry Position: 54.5% below the Banks median (#294 of 1517)
No single metric tells the full story. See the CICHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Construction Bank, headquartered in Beijing, is China's second-largest bank. It went public on the Hong Kong Stock Exchange in 2005 and listed shares in mainland China in 2007. Central Huijin Investment, China's sovereign wealth fund manager, is the largest shareholder with a 57% share. Fullerton Financial Holdings (a subsidiary of Temasek) is the second-largest shareholder with a 4.99% stake. CCB strives to provide customers with comprehensive financial services. The corporate banking, retail banking, and wholesale banking business segments accounted for 22%, 41%, and 34% of profit before tax, respectively, in 2025.
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