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Capital Small Finance BankNSE:CAPITALSFB -0.07%28 PB Ratio is 0.95 as of Jul. 22, 2026, which is 3% below its 10-year median of 0.98. GuruFocus rates NSE:CAPITALSFB with a GF Score™ of 28/100. The stock has 5 warning signs investors should review. Among 1,510 Banks companies, Capital Small Finance Bank ranks better than 64.7% on this metric.
Capital Small Finance Bank Ltd stock PB Ratio (=0.94) is close to 1-year high of 1.
The historical rank and industry rank for Capital Small Finance Bank's PB Ratio or its related term are showing as below:
NSE:CAPITALSFB'
s PB Ratio Range Over the Past 10 Years
Min: 0.7 Med: 0.98 Max: 1.41
Current: 0.94
During the past 6 years, Capital Small Finance Bank's highest PB Ratio was 1.41. The lowest was 0.70. And the median was 0.98.
NSE:CAPITALSFB's PB Ratio is ranked better than 64.7% of 1510
companies
in the Banks industry
Industry Median: 1.12
vs NSE:CAPITALSFB: 0.94
During the past 12 months, Capital Small Finance Bank's average Book Value Per Share Growth Rate was 8.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 33.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 30.70% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Capital Small Finance Bank was 38.50% per year. The lowest was 33.40% per year. And the median was 37.30% per year.
Back to Basics: PB Ratio
Capital Small Finance Bank (NSE:CAPITALSFB) 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.
Capital Small Finance Bank PB Ratio Related Terms
Capital Small Finance Bank 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 - Regional subindustry, Capital Small Finance Bank'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.
Capital Small Finance Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Capital Small Finance Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Capital Small Finance Bank'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.
Capital Small Finance Bank (NSE:CAPITALSFB) has a PB Ratio of 0.95 as of Jul. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Capital Small Finance Bank and its competitors. This is near median its historical median of 0.98. Over the past decade, Capital Small Finance Bank's PB Ratio has ranged from 0.70 to 1.41. According to the industry distribution chart, Capital Small Finance Bank ranks #533 out of 1510 companies in the Banks industry, placing it in the top 35.3%.
Is Capital Small Finance Bank's PB Ratio too high?
Capital Small Finance Bank's current PB Ratio of 0.95 is near median its 10-year median of 0.98. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.41. The Banks industry median PB Ratio is 1.12. Capital Small Finance Bank's value of 0.95 is 15.2% below this industry median. Based on the distribution chart, Capital Small Finance Bank ranks #533 out of 1510 companies in the Banks industry, which is above the industry midpoint. Overall, Capital Small Finance Bank has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does Capital Small Finance Bank's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Capital Small Finance Bank ranks #533 out of 1510 companies for PB Ratio. This puts Capital Small Finance Bank in the upper half of its industry. The industry median PB Ratio is 1.12. Capital Small Finance Bank's value of 0.95 is 15.2% below this benchmark. Historically, Capital Small Finance Bank's own PB Ratio has ranged from 0.70 to 1.41 over the past decade. While the company's 10-year median is 0.98 vs. the industry median of 1.12, Capital Small Finance Bank 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 1.12, based on 1,510 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. Capital Small Finance Bank's current PB Ratio of 0.95 is 15.2% 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 Capital Small Finance Bank and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Capital Small Finance Bank's current PB Ratio is 0.95, which is near median its own 10-year median of 0.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capital Small Finance Bank stock overvalued right now?
Capital Small Finance Bank (NSE:CAPITALSFB) has a current PB Ratio of 0.95. The current PB Ratio is 0.95, which is near median its 10-year median of 0.98 and 15.2% below the Banks industry median of 1.12. Capital Small Finance Bank's overall GF Score™ is 28/100 with 5 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 Capital Small Finance Bank (NSE:CAPITALSFB), the current PB Ratio is 0.95 as of Jul. 22, 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.
Capital Small Finance Bank Ltd is India's first small finance bank. It offers a range of banking products such as saving accounts, Current Accounts, Term deposits, agriculture loans, MSME and trading loans (working capital, machinery loans, etc.), and mortgages (housing loans and loans against property) and operates in Punjab, Haryana, Delhi, Rajasthan, Himachal Pradesh and Union Territory of Chandigarh. It has four segments, namely Treasury, Wholesale Banking, Retail Banking, and Other Banking Operations. Maximum revenue is generated from the Retail Banking segment.
28GF Score
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