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Bank AlbiladSAU:1140 +0.73%82 PB Ratio is 1.57 as of Aug. 14, 2026, which is 29% below its 10-year median of 2.21. GuruFocus rates SAU:1140 with a GF Score™ of 82/100 and a GF Value™ of ﷼30.95 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,512 Banks companies, Bank Albilad ranks worse than 78.37% 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 (2026-08-14), Bank Albilad's share price is ﷼24.90. Bank Albilad's Book Value per Share for the quarter that ended in Jun. 2026 was ﷼15.85. Hence, Bank Albilad's PB Ratio of today is 1.57.
Good Sign:
Bank Albilad stock PB Ratio (=1.56) is close to 5-year low of 1.52.
The historical rank and industry rank for Bank Albilad's PB Ratio or its related term are showing as below:
SAU:1140'
s PB Ratio Range Over the Past 10 Years
Min: 1.27 Med: 2.21 Max: 4.58
Current: 1.58
During the past 13 years, Bank Albilad's highest PB Ratio was 4.58. The lowest was 1.27. And the median was 2.21.
SAU:1140's PB Ratio is ranked worse than 78.37% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs SAU:1140: 1.58
During the past 12 months, Bank Albilad's average Book Value Per Share Growth Rate was 14.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 13.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank Albilad was 40.40% per year. The lowest was -4.80% 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.
Bank Albilad PB Ratio Related Terms
Bank Albilad PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank Albilad'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, Bank Albilad'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.
Bank Albilad PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank Albilad's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank Albilad'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.
Bank Albilad'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.
Bank Albilad (SAU:1140) has a PB Ratio of 1.57 as of Aug. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bank Albilad and its competitors. This is 29% below median its historical median of 2.21. Over the past decade, Bank Albilad's PB Ratio has ranged from 1.27 to 4.58. According to the industry distribution chart, Bank Albilad ranks #1185 out of 1512 companies in the Banks industry, placing it in the top 78.4%.
Is Bank Albilad's PB Ratio too high?
Bank Albilad's current PB Ratio of 1.57 is 29% below median its 10-year median of 2.21. Over the past 10 years, this metric has ranged from a low of 1.27 to a high of 4.58. The Banks industry median PB Ratio is 1.12. Bank Albilad's value of 1.57 is 40.2% above this industry median. Based on the distribution chart, Bank Albilad ranks #1185 out of 1512 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank Albilad has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Albilad's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Bank Albilad ranks #1185 out of 1512 companies for PB Ratio. This places Bank Albilad in the lower half of its industry. The industry median PB Ratio is 1.12. Bank Albilad's value of 1.57 is 40.2% above this benchmark. Historically, Bank Albilad's own PB Ratio has ranged from 1.27 to 4.58 over the past decade. While the company's 10-year median is 2.21 vs. the industry median of 1.12, Bank Albilad 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 1.12, based on 1,512 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. Bank Albilad's current PB Ratio of 1.57 is 40.2% 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 Bank Albilad 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. Bank Albilad's current PB Ratio is 1.57, which is 29% below median its own 10-year median of 2.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Albilad stock overvalued right now?
Based on GuruFocus' analysis, Bank Albilad (SAU:1140) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼30.95, compared to a current price of ﷼24.90 — trading 19.5% below its estimated fair value. The current PB Ratio is 1.57, which is 29% below median its 10-year median of 2.21 and 40.2% above the Banks industry median of 1.12. Bank Albilad's overall GF Score™ is 82/100 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 Bank Albilad (SAU:1140), the current PB Ratio is 1.57 as of Aug. 14, 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 Bank Albilad (SAU:1140) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Albilad stock appears to be undervalued.
The current stock price of ﷼24.90 is trading 19.5% below its estimated GF Value™ of ﷼30.95.
GuruFocus considers Bank Albilad to be Modestly Undervalued.
Key valuation signals for SAU:1140:
PB Ratio: 1.57 (29% below median its 10-year median of 2.21)
GF Value™: ﷼30.95 vs. price of ﷼24.90 (19.5% below fair value)
Industry Position: 40.2% above the Banks median (#1185 of 1512)
No single metric tells the full story. See the SAU:1140 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Albilad is a banking corporation conducting business mainly in the Kingdom of Saudi Arabia. It is divided into four operating segments: Retail banking provides services and products to individuals, including deposits, financing, remittances, and currency exchange, Corporate banking provides services and products to corporate customers including deposits, financing, and trade services, Treasury provides money market and treasury services and Investment banking and brokerage provides investment management services and asset management activities related to dealing, managing, arranging, advising and custody of securities. Key revenue is generated from the Retail banking segment.
82GF Score
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