The historical rank and industry rank for Morris State Bancshares's PB Ratio or its related term are showing as below:
MBLU'
s PB Ratio Range Over the Past 10 Years
Min: 0.87 Med: 1.13 Max: 1.44
Current: 1.25
During the past 9 years, Morris State Bancshares's highest PB Ratio was 1.44. The lowest was 0.87. And the median was 1.13.
MBLU's PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.1
vs MBLU: 1.25
During the past 12 months, Morris State Bancshares's average Book Value Per Share Growth Rate was 8.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.90% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Morris State Bancshares was 21.50% per year. The lowest was 8.50% per year. And the median was 10.80% per year.
Back to Basics: PB Ratio
Morris State Bancshares (OTCPK:MBLU) 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 - Regional subindustry, Morris State Bancshares'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.
Morris State Bancshares PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Morris State Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where Morris State Bancshares'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.
Morris State Bancshares (MBLU) has a PB Ratio of 1.25 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 Morris State Bancshares and its competitors. This is 11% above median its historical median of 1.13. Over the past decade, Morris State Bancshares' PB Ratio has ranged from 0.87 to 1.44.
Is Morris State Bancshares' PB Ratio too high?
Morris State Bancshares' current PB Ratio of 1.25 is 11% above median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 1.44. The Banks industry median PB Ratio is 1.10. Morris State Bancshares' value of 1.25 is 13.6% above this industry median. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' PB Ratio compare to MSBC and FVCB?
Morris State Bancshares' PB Ratio of 1.25 can be compared against companies in the Banks industry. The industry median PB Ratio is 1.10. Morris State Bancshares' value of 1.25 is 13.6% above this benchmark. Historically, Morris State Bancshares' own PB Ratio has ranged from 0.87 to 1.44 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.10, Morris State Bancshares 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 1,520 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. Morris State Bancshares's current PB Ratio of 1.25 is 13.6% 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 Morris State Bancshares 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. Morris State Bancshares's current PB Ratio is 1.25, which is 11% above median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current PB Ratio of 1.25. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current PB Ratio is 1.25, which is 11% above median its 10-year median of 1.13 and 13.6% above the Banks industry median of 1.10. Morris State Bancshares' overall GF Score™ is 49/100 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 Morris State Bancshares (MBLU), the current PB Ratio is 1.25 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 Morris State Bancshares (MBLU) Overvalued in 2026?
Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued.
The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.
Key valuation signals for MBLU:
PB Ratio: 1.25 (11% above median its 10-year median of 1.13)
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF Score
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