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Guaranty Trust Holding CoNSA:GTCO +0.16%81 PB Ratio is 1.28 as of Jul. 15, 2026, which is 64% above its 10-year median of 0.78. GuruFocus rates NSA:GTCO with a GF Score™ of 81/100 and a GF Value™ of ₦77.40 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,520 Banks companies, Guaranty Trust Holding Co ranks worse than 63.95% on this metric.
The historical rank and industry rank for Guaranty Trust Holding Co's PB Ratio or its related term are showing as below:
NSA:GTCO'
s PB Ratio Range Over the Past 10 Years
Min: 0.47 Med: 0.78 Max: 1.51
Current: 1.28
During the past 6 years, Guaranty Trust Holding Co's highest PB Ratio was 1.51. The lowest was 0.47. And the median was 0.78.
NSA:GTCO's PB Ratio is ranked worse than 63.95% of 1520
companies
in the Banks industry
Industry Median: 1.11
vs NSA:GTCO: 1.28
During the past 12 months, Guaranty Trust Holding Co's average Book Value Per Share Growth Rate was 19.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 44.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 32.10% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Guaranty Trust Holding Co was 44.00% per year. The lowest was 23.90% per year. And the median was 38.10% per year.
Back to Basics: PB Ratio
Guaranty Trust Holding Co (NSA:GTCO) 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.
Guaranty Trust Holding Co PB Ratio Related Terms
Guaranty Trust Holding Co PB Ratio Historical Data
* 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 - Diversified subindustry, Guaranty Trust Holding 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.
Guaranty Trust Holding Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding 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.
Guaranty Trust Holding Co (NSA:GTCO) has a PB Ratio of 1.28 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 Guaranty Trust Holding Co and its competitors. This is 64% above median its historical median of 0.78. Over the past decade, Guaranty Trust Holding Co's PB Ratio has ranged from 0.47 to 1.51. According to the industry distribution chart, Guaranty Trust Holding Co ranks #972 out of 1520 companies in the Banks industry, placing it in the top 63.9%.
Is Guaranty Trust Holding Co's PB Ratio too high?
Guaranty Trust Holding Co's current PB Ratio of 1.28 is 64% above median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.51. The Banks industry median PB Ratio is 1.11. Guaranty Trust Holding Co's value of 1.28 is 15.3% above this industry median. Based on the distribution chart, Guaranty Trust Holding Co ranks #972 out of 1520 companies in the Banks industry, which is below the industry midpoint. Overall, Guaranty Trust Holding Co has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's PB Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #972 out of 1520 companies for PB Ratio. This places Guaranty Trust Holding Co in the lower half of its industry. The industry median PB Ratio is 1.11. Guaranty Trust Holding Co's value of 1.28 is 15.3% above this benchmark. Historically, Guaranty Trust Holding Co's own PB Ratio has ranged from 0.47 to 1.51 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.11, Guaranty Trust Holding Co 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 1,520 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. Guaranty Trust Holding Co's current PB Ratio of 1.28 is 15.3% 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 Guaranty Trust Holding 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. Guaranty Trust Holding Co's current PB Ratio is 1.28, which is 64% above median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (NSA:GTCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦77.40, compared to a current price of ₦124.40 — trading 60.7% above its estimated fair value. The current PB Ratio is 1.28, which is 64% above median its 10-year median of 0.78 and 15.3% above the Banks industry median of 1.11. Guaranty Trust Holding Co's overall GF Score™ is 81/100 with 1 warning sign 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 Guaranty Trust Holding Co (NSA:GTCO), the current PB Ratio is 1.28 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 Guaranty Trust Holding Co (NSA:GTCO) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of ₦124.40 is trading 60.7% above its estimated GF Value™ of ₦77.40.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for NSA:GTCO:
PB Ratio: 1.28 (64% above median its 10-year median of 0.78)
GF Value™: ₦77.40 vs. price of ₦124.40 (60.7% above fair value)
Industry Position: 15.3% above the Banks median (#972 of 1520)
No single metric tells the full story. See the NSA:GTCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
81GF Score
Get the complete analysis for NSA:GTCO
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