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Bank of Zhengzhou Co Ltd stock PB Ratio (=0.13) is close to 1-year low of 0.13.
The historical rank and industry rank for Bank of Zhengzhou Co's PB Ratio or its related term are showing as below:
FRA:3BZ'
s PB Ratio Range Over the Past 10 Years
Min: 0.11 Med: 0.32 Max: 0.68
Current: 0.13
During the past 13 years, Bank of Zhengzhou Co's highest PB Ratio was 0.68. The lowest was 0.11. And the median was 0.32.
FRA:3BZ's PB Ratio is ranked better than 98.75% of 1518
companies
in the Banks industry
Industry Median: 1.11
vs FRA:3BZ: 0.13
During the past 12 months, Bank of Zhengzhou Co's average Book Value Per Share Growth Rate was 4.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank of Zhengzhou Co was 38.40% per year. The lowest was -1.70% per year. And the median was 12.50% per year.
Back to Basics: PB Ratio
Bank of Zhengzhou Co (FRA:3BZ) 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.
Bank of Zhengzhou Co PB Ratio Related Terms
Bank of Zhengzhou Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank of Zhengzhou Co's PB Ratio can be seen below:
* 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.
Bank of Zhengzhou Co PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Bank of Zhengzhou Co'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.
Bank of Zhengzhou Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Zhengzhou Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank of Zhengzhou Co'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.
Bank of Zhengzhou Co (FRA:3BZ) has a PB Ratio of 0.13 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank of Zhengzhou Co and its competitors. This is 59% below median its historical median of 0.32. Over the past decade, Bank of Zhengzhou Co's PB Ratio has ranged from 0.11 to 0.68. According to the industry distribution chart, Bank of Zhengzhou Co ranks #19 out of 1518 companies in the Banks industry, placing it in the top 1.3%.
Is Bank of Zhengzhou Co's PB Ratio too high?
Bank of Zhengzhou Co's current PB Ratio of 0.13 is 59% below median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.68. The Banks industry median PB Ratio is 1.11. Bank of Zhengzhou Co's value of 0.13 is 88.3% below this industry median. Based on the distribution chart, Bank of Zhengzhou Co ranks #19 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Zhengzhou Co has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Zhengzhou Co's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bank of Zhengzhou Co ranks #19 out of 1518 companies for PB Ratio. This places Bank of Zhengzhou Co in the top 1% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Bank of Zhengzhou Co's value of 0.13 is 88.3% below this benchmark. Historically, Bank of Zhengzhou Co's own PB Ratio has ranged from 0.11 to 0.68 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 1.11, Bank of Zhengzhou Co 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 1,518 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. Bank of Zhengzhou Co's current PB Ratio of 0.13 is 88.3% 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 Bank of Zhengzhou Co 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. Bank of Zhengzhou Co's current PB Ratio is 0.13, which is 59% below median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Zhengzhou Co stock overvalued right now?
Bank of Zhengzhou Co (FRA:3BZ) has a current PB Ratio of 0.13. The stock's GF Value™ is €0.08, compared to a current price of €0.09 — trading 15.6% above its estimated fair value. The current PB Ratio is 0.13, which is 59% below median its 10-year median of 0.32 and 88.3% below the Banks industry median of 1.11. Bank of Zhengzhou Co's overall GF Score™ is 34/100 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 Bank of Zhengzhou Co (FRA:3BZ), the current PB Ratio is 0.13 as of Jul. 19, 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 Bank of Zhengzhou Co (FRA:3BZ) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Zhengzhou Co stock appears to be overvalued.
The current stock price of €0.09 is trading 15.6% above its estimated GF Value™ of €0.08.
Key valuation signals for FRA:3BZ:
PB Ratio: 0.13 (59% below median its 10-year median of 0.32)
GF Value™: €0.08 vs. price of €0.09 (15.6% above fair value)
Industry Position: 88.3% below the Banks median (#19 of 1518)
No single metric tells the full story. See the FRA:3BZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Zhengzhou Co Ltd lays emphasis on commercial banking operations in China. The bank functions through the corporate, retail and treasury banking divisions. The corporate banking segment is the majority revenue generating segment for the company with a range of financial products and services tailor-made for corporations, government agencies and financial institutions; The retail banking segment provides similar services to individual customers; The treasury operations comprise of including interbank money market transactions, repurchases transactions and investments and Others. The company derives its revenue from the PRC.
34GF Score
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