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Public Bank BhdXKLS:1295 +0.96%74 PB Ratio is 1.72 as of Jul. 18, 2026, which is 1% above its 10-year median of 1.70. GuruFocus rates XKLS:1295 with a GF Score™ of 74/100 and a GF Value™ of RM4.75 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Public Bank Bhd ranks worse than 82.99% 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 (2026-07-18), Public Bank Bhd's share price is RM5.25. Public Bank Bhd's Book Value per Share for the quarter that ended in Mar. 2026 was RM3.05. Hence, Public Bank Bhd's PB Ratio of today is 1.72.
The historical rank and industry rank for Public Bank Bhd's PB Ratio or its related term are showing as below:
XKLS:1295'
s PB Ratio Range Over the Past 10 Years
Min: 1.25 Med: 1.7 Max: 2.56
Current: 1.72
During the past 13 years, Public Bank Bhd's highest PB Ratio was 2.56. The lowest was 1.25. And the median was 1.70.
XKLS:1295's PB Ratio is ranked worse than 82.99% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs XKLS:1295: 1.72
During the past 12 months, Public Bank Bhd's average Book Value Per Share Growth Rate was 3.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Public Bank Bhd was 20.20% per year. The lowest was 3.20% per year. And the median was 8.75% 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.
Public Bank Bhd PB Ratio Related Terms
Public Bank Bhd PB Ratio Historical Data
* Premium members only.
The historical data trend for Public Bank Bhd'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, Public Bank Bhd'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.
Public Bank Bhd PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Public Bank Bhd's PB Ratio distribution charts can be found below:
* The bar in red indicates where Public Bank Bhd'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.
Public Bank Bhd'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.
Public Bank Bhd (XKLS:1295) has a PB Ratio of 1.72 as of Jul. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Public Bank Bhd and its competitors. This is near median its historical median of 1.70. Over the past decade, Public Bank Bhd's PB Ratio has ranged from 1.25 to 2.56. According to the industry distribution chart, Public Bank Bhd ranks #1259 out of 1517 companies in the Banks industry, placing it in the top 83%.
Is Public Bank Bhd's PB Ratio too high?
Public Bank Bhd's current PB Ratio of 1.72 is near median its 10-year median of 1.70. Over the past 10 years, this metric has ranged from a low of 1.25 to a high of 2.56. The Banks industry median PB Ratio is 1.12. Public Bank Bhd's value of 1.72 is 53.6% above this industry median. Based on the distribution chart, Public Bank Bhd ranks #1259 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Public Bank Bhd has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Public Bank Bhd's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Public Bank Bhd ranks #1259 out of 1517 companies for PB Ratio. This places Public Bank Bhd in the lower half of its industry. The industry median PB Ratio is 1.12. Public Bank Bhd's value of 1.72 is 53.6% above this benchmark. Historically, Public Bank Bhd's own PB Ratio has ranged from 1.25 to 2.56 over the past decade. While the company's 10-year median is 1.70 vs. the industry median of 1.12, Public Bank Bhd 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 1,517 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. Public Bank Bhd's current PB Ratio of 1.72 is 53.6% 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 Public Bank Bhd 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. Public Bank Bhd's current PB Ratio is 1.72, which is near median its own 10-year median of 1.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Public Bank Bhd (XKLS:1295) is currently considered Modestly Overvalued. The stock's GF Value™ is RM4.75, compared to a current price of RM5.25 — trading 10.5% above its estimated fair value. The current PB Ratio is 1.72, which is near median its 10-year median of 1.70 and 53.6% above the Banks industry median of 1.12. Public Bank Bhd's overall GF Score™ is 74/100 with 3 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 Public Bank Bhd (XKLS:1295), the current PB Ratio is 1.72 as of Jul. 18, 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 Public Bank Bhd (XKLS:1295) Overvalued in 2026?
Based on GuruFocus' analysis, Public Bank Bhd stock appears to be overvalued.
The current stock price of RM5.25 is trading 10.5% above its estimated GF Value™ of RM4.75.
GuruFocus considers Public Bank Bhd to be Modestly Overvalued.
Key valuation signals for XKLS:1295:
PB Ratio: 1.72 (near median its 10-year median of 1.70)
GF Value™: RM4.75 vs. price of RM5.25 (10.5% above fair value)
Industry Position: 53.6% above the Banks median (#1259 of 1517)
No single metric tells the full story. See the XKLS:1295 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Public Bank Bhd is a Malaysian banking group that provides a range of financial products and services, including personal banking, commercial banking, Islamic banking, investment banking, share broking, trustee services, nominee services, sale and management of unit trust funds, bancassurance, and general insurance products. In addition to its mostly Malaysian operational presence, the bank is exposed to other Southeast Asian nations through some of its branches. It emphasizes organic growth in the retail banking business, particularly among retail consumers and small and medium-sized enterprises. The majority of its revenue comes from the Retail Operations segment. Public Bank offers a suite of banking products and services through its extensive branch network and infrastructure.
74GF Score
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