Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
NMB FinlNMBF 64 PB Ratio is 1.17 as of Jul. 15, 2026, which is 58% above its 10-year median of 0.74. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.65 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,517 Banks companies, NMB Finl ranks worse than 54.78% 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 (2026-07-15), NMB Finl's share price is $18.90. NMB Finl's Book Value per Share for the quarter that ended in Dec. 2025 was $16.18. Hence, NMB Finl's PB Ratio of today is 1.17.
The historical rank and industry rank for NMB Finl's PB Ratio or its related term are showing as below:
NMBF'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.74 Max: 1.44
Current: 1.17
During the past 8 years, NMB Finl's highest PB Ratio was 1.44. The lowest was 0.18. And the median was 0.74.
NMBF's PB Ratio is ranked worse than 54.78% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs NMBF: 1.17
During the past 12 months, NMB Finl's average Book Value Per Share Growth Rate was 10.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.00% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of NMB Finl was 13.30% per year. The lowest was 9.50% per year. And the median was 11.70% 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.
NMB Finl PB Ratio Related Terms
NMB Finl PB Ratio Historical Data
* Premium members only.
The historical data trend for NMB Finl'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, NMB Finl'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.
NMB Finl PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, NMB Finl's PB Ratio distribution charts can be found below:
* The bar in red indicates where NMB Finl'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.
NMB Finl'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.
NMB Finl (NMBF) has a PB Ratio of 1.17 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on NMB Finl and its competitors. This is 58% above median its historical median of 0.74. Over the past decade, NMB Finl's PB Ratio has ranged from 0.18 to 1.44. According to the industry distribution chart, NMB Finl ranks #831 out of 1517 companies in the Banks industry, placing it in the top 54.8%.
Is NMB Finl's PB Ratio too high?
NMB Finl's current PB Ratio of 1.17 is 58% above median its 10-year median of 0.74. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.44. The Banks industry median PB Ratio is 1.11. NMB Finl's value of 1.17 is 5.4% above this industry median. Based on the distribution chart, NMB Finl ranks #831 out of 1517 companies in the Banks industry, which is below the industry midpoint. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's PB Ratio compare to FABP and CYVF?
According to the Banks industry distribution chart, NMB Finl ranks #831 out of 1517 companies for PB Ratio. This places NMB Finl in the lower half of its industry. The industry median PB Ratio is 1.11. NMB Finl's value of 1.17 is 5.4% above this benchmark. Historically, NMB Finl's own PB Ratio has ranged from 0.18 to 1.44 over the past decade. While the company's 10-year median is 0.74 vs. the industry median of 1.11, NMB Finl 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 1.11, 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. NMB Finl's current PB Ratio of 1.17 is 5.4% 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 NMB Finl 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. NMB Finl's current PB Ratio is 1.17, which is 58% above median its own 10-year median of 0.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.65, compared to a current price of $18.90 — trading 29% above its estimated fair value. The current PB Ratio is 1.17, which is 58% above median its 10-year median of 0.74 and 5.4% above the Banks industry median of 1.11. NMB Finl's overall GF Score™ is 64/100 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 NMB Finl (NMBF), the current PB Ratio is 1.17 as of Jul. 15, 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 NMB Finl (NMBF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued.
The current stock price of $18.90 is trading 29% above its estimated GF Value™ of $14.65.
GuruFocus considers NMB Finl to be Modestly Overvalued.
Key valuation signals for NMBF:
PB Ratio: 1.17 (58% above median its 10-year median of 0.74)
GF Value™: $14.65 vs. price of $18.90 (29% above fair value)
Industry Position: 5.4% above the Banks median (#831 of 1517)
No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF Score
Get the complete analysis for NMBF
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NMBF has been successfully added to your 
