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MF Banka ADXBLB:IEFB-R-A PB Ratio is 0.71 as of Jul. 15, 2026, which is 22% above its 10-year median of 0.58. The stock has 2 warning signs investors should review.
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 (2026-07-15), MF Banka AD's share price is BAM174.82. MF Banka AD's Book Value per Share for the quarter that ended in Dec. 2025 was BAM246.31. Hence, MF Banka AD's PB Ratio of today is 0.71.
Good Sign:
MF Banka AD stock PB Ratio (=0.71) is close to 3-year low of 0.71.
The historical rank and industry rank for MF Banka AD's PB Ratio or its related term are showing as below:
XBLB:IEFB-R-A'
s PB Ratio Range Over the Past 10 Years
Min: 0.37 Med: 0.58 Max: 1.07
Current: 0.71
During the past 13 years, MF Banka AD's highest PB Ratio was 1.07. The lowest was 0.37. And the median was 0.58.
XBLB:IEFB-R-A's PB Ratio is not ranked
in the Banks industry.
Industry Median: 1.11
vs XBLB:IEFB-R-A: 0.71
During the past 12 months, MF Banka AD'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 12.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of MF Banka AD was 12.70% per year. The lowest was 0.50% per year. And the median was 8.60% 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.
MF Banka AD PB Ratio Related Terms
MF Banka AD PB Ratio Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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, MF Banka AD'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.
MF Banka AD PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's PB Ratio distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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.
MF Banka AD'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.
MF Banka AD (XBLB:IEFB-R-A) has a PB Ratio of 0.71 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on MF Banka AD and its competitors. This is 22% above median its historical median of 0.58. Over the past decade, MF Banka AD's PB Ratio has ranged from 0.37 to 1.07.
Is MF Banka AD's PB Ratio too high?
MF Banka AD's current PB Ratio of 0.71 is 22% above median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.07. The Banks industry median PB Ratio is 1.11. MF Banka AD's value of 0.71 is 36% below this industry median.
How does MF Banka AD's PB Ratio compare to USB and PNC?
MF Banka AD's PB Ratio of 0.71 can be compared against companies in the Banks industry. The industry median PB Ratio is 1.11. MF Banka AD's value of 0.71 is 36% below this benchmark. Historically, MF Banka AD's own PB Ratio has ranged from 0.37 to 1.07 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.11, MF Banka AD 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 1.11, based on 1,517 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. MF Banka AD's current PB Ratio of 0.71 is 36% 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 MF Banka AD 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. MF Banka AD's current PB Ratio is 0.71, which is 22% above median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current PB Ratio of 0.71. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current PB Ratio is 0.71, which is 22% above median its 10-year median of 0.58 and 36% below the Banks industry median of 1.11. 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 MF Banka AD (XBLB:IEFB-R-A), the current PB Ratio is 0.71 as of Jul. 15, 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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