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Bien Sparebank ASAOSL:BIEN 68 PB Ratio is 1.05 as of Jul. 27, 2026, which is 25% above its 10-year median of 0.84. GuruFocus rates OSL:BIEN with a GF Score™ of 68/100 and a GF Value™ of kr135.87 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,516 Banks companies, Bien Sparebank ASA ranks better than 55.41% on this metric.
The historical rank and industry rank for Bien Sparebank ASA's PB Ratio or its related term are showing as below:
OSL:BIEN'
s PB Ratio Range Over the Past 10 Years
Min: 0.66 Med: 0.84 Max: 1.31
Current: 1.05
During the past 7 years, Bien Sparebank ASA's highest PB Ratio was 1.31. The lowest was 0.66. And the median was 0.84.
OSL:BIEN's PB Ratio is ranked better than 55.41% of 1516
companies
in the Banks industry
Industry Median: 1.12
vs OSL:BIEN: 1.05
During the past 12 months, Bien Sparebank ASA's average Book Value Per Share Growth Rate was 12.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Bien Sparebank ASA was 15.70% per year. The lowest was 5.70% per year. And the median was 10.60% per year.
Back to Basics: PB Ratio
Bien Sparebank ASA (OSL:BIEN) 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.
Bien Sparebank ASA PB Ratio Related Terms
Bien Sparebank ASA PB Ratio Historical Data
* Premium members only.
The historical data trend for Bien Sparebank ASA'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, Bien Sparebank ASA'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.
Bien Sparebank ASA PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bien Sparebank ASA's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bien Sparebank ASA'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.
Bien Sparebank ASA (OSL:BIEN) has a PB Ratio of 1.05 as of Jul. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bien Sparebank ASA and its competitors. This is 25% above median its historical median of 0.84. Over the past decade, Bien Sparebank ASA's PB Ratio has ranged from 0.66 to 1.31. According to the industry distribution chart, Bien Sparebank ASA ranks #676 out of 1516 companies in the Banks industry, placing it in the top 44.6%.
Is Bien Sparebank ASA's PB Ratio too high?
Bien Sparebank ASA's current PB Ratio of 1.05 is 25% above median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 1.31. The Banks industry median PB Ratio is 1.12. Bien Sparebank ASA's value of 1.05 is 6.3% below this industry median. Based on the distribution chart, Bien Sparebank ASA ranks #676 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Bien Sparebank ASA has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bien Sparebank ASA's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bien Sparebank ASA ranks #676 out of 1516 companies for PB Ratio. This puts Bien Sparebank ASA in the upper half of its industry. The industry median PB Ratio is 1.12. Bien Sparebank ASA's value of 1.05 is 6.3% below this benchmark. Historically, Bien Sparebank ASA's own PB Ratio has ranged from 0.66 to 1.31 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 1.12, Bien Sparebank ASA 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 1,516 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. Bien Sparebank ASA's current PB Ratio of 1.05 is 6.3% 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 Bien Sparebank ASA 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. Bien Sparebank ASA's current PB Ratio is 1.05, which is 25% above median its own 10-year median of 0.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bien Sparebank ASA stock overvalued right now?
Based on GuruFocus' analysis, Bien Sparebank ASA (OSL:BIEN) is currently considered Fairly Valued. The stock's GF Value™ is kr135.87, compared to a current price of kr144.00 — trading 6% above its estimated fair value. The current PB Ratio is 1.05, which is 25% above median its 10-year median of 0.84 and 6.3% below the Banks industry median of 1.12. Bien Sparebank ASA's overall GF Score™ is 68/100 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 Bien Sparebank ASA (OSL:BIEN), the current PB Ratio is 1.05 as of Jul. 27, 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 Bien Sparebank ASA (OSL:BIEN) Overvalued in 2026?
Based on GuruFocus' analysis, Bien Sparebank ASA stock appears to be overvalued.
The current stock price of kr144.00 is trading 6% above its estimated GF Value™ of kr135.87.
GuruFocus considers Bien Sparebank ASA to be Fairly Valued.
Key valuation signals for OSL:BIEN:
PB Ratio: 1.05 (25% above median its 10-year median of 0.84)
GF Value™: kr135.87 vs. price of kr144.00 (6% above fair value)
Industry Position: 6.3% below the Banks median (#676 of 1516)
No single metric tells the full story. See the OSL:BIEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.
68GF Score
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