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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 (2026-09-12), URSB Bancorp's share price is $12.59. URSB Bancorp's Book Value per Share for the quarter that ended in Jun. 2026 was $16.94. Hence, URSB Bancorp's PB Ratio of today is 0.74.
The historical rank and industry rank for URSB Bancorp's PB Ratio or its related term are showing as below:
URSB'
s PB Ratio Range Over the Past 10 Years
Min: 0.71 Med: 0.71 Max: 0.76
Current: 0.74
During the past 0 years, URSB Bancorp's highest PB Ratio was 0.76. The lowest was 0.71. And the median was 0.71.
URSB's PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.12
vs URSB: 0.74
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.
URSB Bancorp PB Ratio Related Terms
URSB Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for URSB Bancorp'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.
URSB Bancorp PB Ratio Chart
URSB Bancorp Annual Data
Trend
PB Ratio
URSB Bancorp Quarterly Data
Mar25
Jun25
Mar26
Jun26
PB Ratio
0.00
0.00
0.00
0.71
URSB vs : PB Ratio Comparison
For the Banks - Regional subindustry, URSB Bancorp'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.
URSB Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, URSB Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where URSB Bancorp'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.
URSB Bancorp'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.
URSB Bancorp (URSB) has a PB Ratio of 0.74 as of Sep. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on URSB Bancorp and its competitors. This is near median its historical median of 0.71. Over the past decade, URSB Bancorp's PB Ratio has ranged from 0.71 to 0.76.
Is URSB Bancorp's PB Ratio too high?
URSB Bancorp's current PB Ratio of 0.74 is near median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 0.76. The Banks industry median PB Ratio is 1.12. URSB Bancorp's value of 0.74 is 33.9% below this industry median. Overall, URSB Bancorp has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does URSB Bancorp's PB Ratio compare to ?
URSB Bancorp's PB Ratio of 0.74 can be compared against companies in the Banks industry. The industry median PB Ratio is 1.12. URSB Bancorp's value of 0.74 is 33.9% below this benchmark. Historically, URSB Bancorp's own PB Ratio has ranged from 0.71 to 0.76 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 1.12, URSB Bancorp 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 1,504 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. URSB Bancorp's current PB Ratio of 0.74 is 33.9% 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 URSB Bancorp 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. URSB Bancorp's current PB Ratio is 0.74, which is near median its own 10-year median of 0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is URSB Bancorp stock overvalued right now?
URSB Bancorp (URSB) has a current PB Ratio of 0.74. The current PB Ratio is 0.74, which is near median its 10-year median of 0.71 and 33.9% below the Banks industry median of 1.12. URSB Bancorp's overall GF Score™ is 8/100. 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 URSB Bancorp (URSB), the current PB Ratio is 0.74 as of Sep. 12, 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.
URSB Bancorp Inc is a bank holding company. Its Products are Checking, Savings, Certificates of Deposit, Retirement Accounts, Personal Lending, Business, Business Lending, and Credit Cards. The group's services are Local Discount Network, BaZing Benefits, ClickSwitch, Discover Debit, E-Statements, Card Hub, Safe Deposit Boxes, Merchant Services, and Remote Deposits.
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