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CB Texim Bank ADLTS:0QRP 55 PB Ratio is 1.07 as of Jul. 23, 2026, which is 74% below its 10-year median of 4.19. GuruFocus rates LTS:0QRP with a GF Score™ of 55/100 and a GF Value™ of лв5.19. The stock has 2 warning signs investors should review. Among 1,511 Banks companies, CB Texim Bank AD ranks worse than 76.31% on this metric.
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. As of today (2026-07-23), CB Texim Bank AD's share price is лв2.76. CB Texim Bank AD's Book Value per Share for the quarter that ended in Dec. 2025 was лв2.59. Hence, CB Texim Bank AD's PB Ratio of today is 1.07.
The historical rank and industry rank for CB Texim Bank AD's PB Ratio or its related term are showing as below:
LTS:0QRP'
s PB Ratio Range Over the Past 10 Years
Min: 1.37 Med: 4.19 Max: 4.72
Current: 1.53
During the past 13 years, CB Texim Bank AD's highest PB Ratio was 4.72. The lowest was 1.37. And the median was 4.19.
LTS:0QRP's PB Ratio is ranked worse than 76.31% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs LTS:0QRP: 1.53
During the past 12 months, CB Texim Bank AD's average Book Value Per Share Growth Rate was 40.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 22.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 13.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CB Texim Bank AD was 26.00% per year. The lowest was 1.20% per year. And the median was 3.30% per year.
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.
CB Texim Bank AD PB Ratio Related Terms
CB Texim Bank AD PB Ratio Historical Data
* Premium members only.
The historical data trend for CB Texim Bank AD'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.
For the Banks - Regional subindustry, CB Texim Bank AD'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.
CB Texim Bank AD PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CB Texim Bank AD's PB Ratio distribution charts can be found below:
* The bar in red indicates where CB Texim Bank AD'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.
CB Texim Bank AD (LTS:0QRP) has a PB Ratio of 1.07 as of Jul. 23, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CB Texim Bank AD and its competitors. This is 74% below median its historical median of 4.19. Over the past decade, CB Texim Bank AD's PB Ratio has ranged from 1.37 to 4.72. According to the industry distribution chart, CB Texim Bank AD ranks #1153 out of 1511 companies in the Banks industry, placing it in the top 76.3%.
Is CB Texim Bank AD's PB Ratio too high?
CB Texim Bank AD's current PB Ratio of 1.07 is 74% below median its 10-year median of 4.19. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 4.72. The Banks industry median PB Ratio is 1.11. CB Texim Bank AD's value of 1.07 is 3.6% below this industry median. Based on the distribution chart, CB Texim Bank AD ranks #1153 out of 1511 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CB Texim Bank AD has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does CB Texim Bank AD's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, CB Texim Bank AD ranks #1153 out of 1511 companies for PB Ratio. This places CB Texim Bank AD in the lower half of its industry. The industry median PB Ratio is 1.11. CB Texim Bank AD's value of 1.07 is 3.6% below this benchmark. Historically, CB Texim Bank AD's own PB Ratio has ranged from 1.37 to 4.72 over the past decade. While the company's 10-year median is 4.19 vs. the industry median of 1.11, CB Texim Bank AD 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 1,511 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. CB Texim Bank AD's current PB Ratio of 1.07 is 3.6% 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 CB Texim Bank AD 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. CB Texim Bank AD's current PB Ratio is 1.07, which is 74% below median its own 10-year median of 4.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Texim Bank AD stock overvalued right now?
CB Texim Bank AD (LTS:0QRP) has a current PB Ratio of 1.07. The stock's GF Value™ is лв5.19, compared to a current price of лв2.76 — trading 46.8% below its estimated fair value. The current PB Ratio is 1.07, which is 74% below median its 10-year median of 4.19 and 3.6% below the Banks industry median of 1.11. CB Texim Bank AD's overall GF Score™ is 55/100 with 2 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 CB Texim Bank AD (LTS:0QRP), the current PB Ratio is 1.07 as of Jul. 23, 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 CB Texim Bank AD (LTS:0QRP) Overvalued in 2026?
Based on GuruFocus' analysis, CB Texim Bank AD stock appears to be undervalued.
The current stock price of лв2.76 is trading 46.8% below its estimated GF Value™ of лв5.19.
Key valuation signals for LTS:0QRP:
PB Ratio: 1.07 (74% below median its 10-year median of 4.19)
GF Value™: лв5.19 vs. price of лв2.76 (46.8% below fair value)
Industry Position: 3.6% below the Banks median (#1153 of 1511)
No single metric tells the full story. See the LTS:0QRP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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