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CSB BankNSE:CSBBANK +2.51%66 PB Ratio is 1.28 as of Jul. 22, 2026, which is 12% below its 10-year median of 1.45. GuruFocus rates NSE:CSBBANK with a GF Score™ of 66/100 and a GF Value™ of ₹489.34 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,514 Banks companies, CSB Bank ranks worse than 60.83% 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 (2026-07-22), CSB Bank's share price is ₹370.00. CSB Bank's Book Value per Share for the quarter that ended in Mar. 2026 was ₹288.79. Hence, CSB Bank's PB Ratio of today is 1.28.
The historical rank and industry rank for CSB Bank's PB Ratio or its related term are showing as below:
NSE:CSBBANK'
s PB Ratio Range Over the Past 10 Years
Min: 0.98 Med: 1.45 Max: 3.1
Current: 1.28
During the past 10 years, CSB Bank's highest PB Ratio was 3.10. The lowest was 0.98. And the median was 1.45.
NSE:CSBBANK's PB Ratio is ranked worse than 60.83% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs NSE:CSBBANK: 1.28
During the past 12 months, CSB Bank's average Book Value Per Share Growth Rate was 8.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 18.40% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of CSB Bank was 83.40% per year. The lowest was 14.90% per year. And the median was 21.50% 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.
CSB Bank PB Ratio Related Terms
CSB Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for CSB Bank'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, CSB 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.
CSB Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CSB Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where CSB 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.
CSB Bank'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.
CSB Bank (NSE:CSBBANK) has a PB Ratio of 1.28 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 CSB Bank and its competitors. This is 12% below median its historical median of 1.45. Over the past decade, CSB Bank's PB Ratio has ranged from 0.98 to 3.10. According to the industry distribution chart, CSB Bank ranks #921 out of 1514 companies in the Banks industry, placing it in the top 60.8%.
Is CSB Bank's PB Ratio too high?
CSB Bank's current PB Ratio of 1.28 is 12% below median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 3.10. The Banks industry median PB Ratio is 1.11. CSB Bank's value of 1.28 is 15.3% above this industry median. Based on the distribution chart, CSB Bank ranks #921 out of 1514 companies in the Banks industry, which is below the industry midpoint. Overall, CSB Bank has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CSB Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, CSB Bank ranks #921 out of 1514 companies for PB Ratio. This places CSB Bank in the lower half of its industry. The industry median PB Ratio is 1.11. CSB Bank's value of 1.28 is 15.3% above this benchmark. Historically, CSB Bank's own PB Ratio has ranged from 0.98 to 3.10 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 1.11, CSB Bank 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 1,514 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. CSB Bank'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 CSB Bank 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. CSB Bank's current PB Ratio is 1.28, which is 12% below median its own 10-year median of 1.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CSB Bank stock overvalued right now?
Based on GuruFocus' analysis, CSB Bank (NSE:CSBBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹489.34, compared to a current price of ₹370.00 — trading 24.4% below its estimated fair value. The current PB Ratio is 1.28, which is 12% below median its 10-year median of 1.45 and 15.3% above the Banks industry median of 1.11. CSB Bank's overall GF Score™ is 66/100 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 CSB Bank (NSE:CSBBANK), the current PB Ratio is 1.28 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.
Is CSB Bank (NSE:CSBBANK) Overvalued in 2026?
Based on GuruFocus' analysis, CSB Bank stock appears to be undervalued.
The current stock price of ₹370.00 is trading 24.4% below its estimated GF Value™ of ₹489.34.
GuruFocus considers CSB Bank to be Modestly Undervalued.
Key valuation signals for NSE:CSBBANK:
PB Ratio: 1.28 (12% below median its 10-year median of 1.45)
GF Value™: ₹489.34 vs. price of ₹370.00 (24.4% below fair value)
Industry Position: 15.3% above the Banks median (#921 of 1514)
No single metric tells the full story. See the NSE:CSBBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CSB Bank Ltd is a private sector bank in India. The bank offers various banking services in four segments such as Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business. Retail banking providing gold loans, loans against properties, personal loans, housing loans, and agricultural loans, and deposit products such as current accounts, savings accounts, term deposits, and cumulative deposit accounts and generates the majority of revenue from the same.
66GF Score
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