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Republic Financial HolTRN:RFHL +0.05%87 PB Ratio is 1.14 as of Jul. 31, 2026, which is 39% below its 10-year median of 1.86. GuruFocus rates TRN:RFHL with a GF Score™ of 87/100 and a GF Value™ of TTD128.50 (Modestly Undervalued). Among 1,515 Banks companies, Republic Financial Hol ranks worse than 51.16% on this metric.
Republic Financial Hol Ltd stock PB Ratio (=1.13) is close to 10-year low of 1.07.
The historical rank and industry rank for Republic Financial Hol's PB Ratio or its related term are showing as below:
TRN:RFHL'
s PB Ratio Range Over the Past 10 Years
Min: 1.07 Med: 1.86 Max: 2.33
Current: 1.13
During the past 9 years, Republic Financial Hol's highest PB Ratio was 2.33. The lowest was 1.07. And the median was 1.86.
TRN:RFHL's PB Ratio is ranked worse than 51.16% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs TRN:RFHL: 1.13
During the past 12 months, Republic Financial Hol's average Book Value Per Share Growth Rate was 9.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Republic Financial Hol was 8.00% per year. The lowest was 2.00% per year. And the median was 6.65% 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.
* 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, Republic Financial Hol'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.
Republic Financial Hol PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's PB Ratio distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol'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.
Republic Financial Hol (TRN:RFHL) has a PB Ratio of 1.14 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Republic Financial Hol and its competitors. This is 39% below median its historical median of 1.86. Over the past decade, Republic Financial Hol's PB Ratio has ranged from 1.07 to 2.33. According to the industry distribution chart, Republic Financial Hol ranks #775 out of 1515 companies in the Banks industry, placing it in the top 51.2%.
Is Republic Financial Hol's PB Ratio too high?
Republic Financial Hol's current PB Ratio of 1.14 is 39% below median its 10-year median of 1.86. Over the past 10 years, this metric has ranged from a low of 1.07 to a high of 2.33. The Banks industry median PB Ratio is 1.11. Republic Financial Hol's value of 1.14 is 2.7% above this industry median. Based on the distribution chart, Republic Financial Hol ranks #775 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #775 out of 1515 companies for PB Ratio. This places Republic Financial Hol in the lower half of its industry. The industry median PB Ratio is 1.11. Republic Financial Hol's value of 1.14 is 2.7% above this benchmark. Historically, Republic Financial Hol's own PB Ratio has ranged from 1.07 to 2.33 over the past decade. While the company's 10-year median is 1.86 vs. the industry median of 1.11, Republic Financial Hol 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 1,515 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. Republic Financial Hol's current PB Ratio of 1.14 is 2.7% 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 Republic Financial Hol 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. Republic Financial Hol's current PB Ratio is 1.14, which is 39% below median its own 10-year median of 1.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current PB Ratio is 1.14, which is 39% below median its 10-year median of 1.86 and 2.7% above the Banks industry median of 1.11. Republic Financial Hol's overall GF Score™ is 87/100. 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 Republic Financial Hol (TRN:RFHL), the current PB Ratio is 1.14 as of Jul. 31, 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
PB Ratio: 1.14 (39% below median its 10-year median of 1.86)
GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
Industry Position: 2.7% above the Banks median (#775 of 1515)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score
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