MCNB BanksMKIN 47 PB Ratio is 0.51 as of Jul. 13, 2026, which is 14% below its 10-year median of 0.59. GuruFocus rates MKIN with a GF Score™ of 47/100 and a GF Value™ of $19.50 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,520 Banks companies, MCNB Banks ranks better than 87.57% 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 (2026-07-13), MCNB Banks's share price is $19.45. MCNB Banks's Book Value per Share for the quarter that ended in Dec. 2025 was $38.39. Hence, MCNB Banks's PB Ratio of today is 0.51.
Warning Sign:
MCNB Banks Inc stock PB Ratio (=0.51) is close to 2-year high of 0.51.
The historical rank and industry rank for MCNB Banks's PB Ratio or its related term are showing as below:
MKIN'
s PB Ratio Range Over the Past 10 Years
Min: 0.36 Med: 0.59 Max: 0.85
Current: 0.51
During the past 10 years, MCNB Banks's highest PB Ratio was 0.85. The lowest was 0.36. And the median was 0.59.
MKIN's PB Ratio is ranked better than 87.57% of 1520
companies
in the Banks industry
Industry Median: 1.1
vs MKIN: 0.51
During the past 12 months, MCNB Banks's average Book Value Per Share Growth Rate was 9.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.30% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of MCNB Banks was 6.90% per year. The lowest was -1.20% per year. And the median was 2.75% 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.
MCNB Banks PB Ratio Related Terms
MCNB Banks PB Ratio Historical Data
* Premium members only.
The historical data trend for MCNB Banks'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, MCNB Banks'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.
MCNB Banks PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, MCNB Banks's PB Ratio distribution charts can be found below:
* The bar in red indicates where MCNB Banks'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.
MCNB Banks's PB Ratio for today is calculated as follows:
* 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.
MCNB Banks (MKIN) has a PB Ratio of 0.51 as of Jul. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on MCNB Banks and its competitors. This is 14% below median its historical median of 0.59. Over the past decade, MCNB Banks' PB Ratio has ranged from 0.36 to 0.85. According to the industry distribution chart, MCNB Banks ranks #189 out of 1520 companies in the Banks industry, placing it in the top 12.4%.
Is MCNB Banks' PB Ratio too high?
MCNB Banks' current PB Ratio of 0.51 is 14% below median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.85. The Banks industry median PB Ratio is 1.10. MCNB Banks' value of 0.51 is 53.6% below this industry median. Based on the distribution chart, MCNB Banks ranks #189 out of 1520 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, MCNB Banks has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MCNB Banks' PB Ratio compare to GOVB and CIBN?
According to the Banks industry distribution chart, MCNB Banks ranks #189 out of 1520 companies for PB Ratio. This places MCNB Banks in the top 12% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. MCNB Banks' value of 0.51 is 53.6% below this benchmark. Historically, MCNB Banks' own PB Ratio has ranged from 0.36 to 0.85 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.10, MCNB Banks 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 1,520 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. MCNB Banks's current PB Ratio of 0.51 is 53.6% 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 MCNB Banks 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. MCNB Banks's current PB Ratio is 0.51, which is 14% below median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MCNB Banks stock overvalued right now?
Based on GuruFocus' analysis, MCNB Banks (MKIN) is currently considered Fairly Valued. The stock's GF Value™ is $19.50, compared to a current price of $19.45 — trading 0.3% below its estimated fair value. The current PB Ratio is 0.51, which is 14% below median its 10-year median of 0.59 and 53.6% below the Banks industry median of 1.10. MCNB Banks' overall GF Score™ is 47/100 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 MCNB Banks (MKIN), the current PB Ratio is 0.51 as of Jul. 13, 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 MCNB Banks (MKIN) Overvalued in 2026?
Based on GuruFocus' analysis, MCNB Banks stock appears to be undervalued.
The current stock price of $19.45 is trading 0.3% below its estimated GF Value™ of $19.50.
GuruFocus considers MCNB Banks to be Fairly Valued.
Key valuation signals for MKIN:
PB Ratio: 0.51 (14% below median its 10-year median of 0.59)
GF Value™: $19.50 vs. price of $19.45 (0.3% below fair value)
Industry Position: 53.6% below the Banks median (#189 of 1520)
No single metric tells the full story. See the MKIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MCNB Banks Inc provides personal banking, business banking, loans, trust & financial services. It provides retail and commercial loan and deposit services, along with trust services, principally to individuals and small businesses. It also offers trust and financial services, comprising investment portfolio management, custodian, estate planning and administration, retirement, trust, financial planning, and online account access services. Company loan segment includes: Residential real estate loan, Commercial real estate loans, Commercial loan, Consumer and other loans.
47GF Score
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