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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 (2026-08-12), Jyoti Bikas Bank's share price is NPR337.20. Jyoti Bikas Bank's Book Value per Share for the quarter that ended in Apr. 2026 was NPR163.56. Hence, Jyoti Bikas Bank's PB Ratio of today is 2.06.
Good Sign:
Jyoti Bikas Bank Ltd stock PB Ratio (=2.08) is close to 5-year low of 1.98.
The historical rank and industry rank for Jyoti Bikas Bank's PB Ratio or its related term are showing as below:
XNEP:JBBL'
s PB Ratio Range Over the Past 10 Years
Min: 1.13 Med: 2.14 Max: 6.32
Current: 2.06
During the past 13 years, Jyoti Bikas Bank's highest PB Ratio was 6.32. The lowest was 1.13. And the median was 2.14.
XNEP:JBBL's PB Ratio is ranked worse than 88.76% of 1513
companies
in the Banks industry
Industry Median: 1.11
vs XNEP:JBBL: 2.06
During the past 12 months, Jyoti Bikas Bank's average Book Value Per Share Growth Rate was 7.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Jyoti Bikas Bank was 12.10% per year. The lowest was 3.00% per year. And the median was 6.20% 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.
Jyoti Bikas Bank PB Ratio Related Terms
Jyoti Bikas Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Jyoti Bikas Bank'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, Jyoti Bikas Bank'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.
Jyoti Bikas Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Jyoti Bikas Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jyoti Bikas Bank'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.
Jyoti Bikas Bank (XNEP:JBBL) has a PB Ratio of 2.06 as of Aug. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jyoti Bikas Bank and its competitors. This is near median its historical median of 2.14. Over the past decade, Jyoti Bikas Bank's PB Ratio has ranged from 1.13 to 6.32. According to the industry distribution chart, Jyoti Bikas Bank ranks #1343 out of 1513 companies in the Banks industry, placing it in the top 88.8%.
Is Jyoti Bikas Bank's PB Ratio too high?
Jyoti Bikas Bank's current PB Ratio of 2.06 is near median its 10-year median of 2.14. Over the past 10 years, this metric has ranged from a low of 1.13 to a high of 6.32. The Banks industry median PB Ratio is 1.11. Jyoti Bikas Bank's value of 2.06 is 85.6% above this industry median. Based on the distribution chart, Jyoti Bikas Bank ranks #1343 out of 1513 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jyoti Bikas Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Jyoti Bikas Bank ranks #1343 out of 1513 companies for PB Ratio. This places Jyoti Bikas Bank in the lower half of its industry. The industry median PB Ratio is 1.11. Jyoti Bikas Bank's value of 2.06 is 85.6% above this benchmark. Historically, Jyoti Bikas Bank's own PB Ratio has ranged from 1.13 to 6.32 over the past decade. While the company's 10-year median is 2.14 vs. the industry median of 1.11, Jyoti Bikas Bank 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 1,513 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. Jyoti Bikas Bank's current PB Ratio of 2.06 is 85.6% 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 Jyoti Bikas Bank 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. Jyoti Bikas Bank's current PB Ratio is 2.06, which is near median its own 10-year median of 2.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR330.04, compared to a current price of NPR337.20 — trading 2.2% above its estimated fair value. The current PB Ratio is 2.06, which is near median its 10-year median of 2.14 and 85.6% above the Banks industry median of 1.11. Jyoti Bikas Bank's overall GF Score™ is 76/100 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 Jyoti Bikas Bank (XNEP:JBBL), the current PB Ratio is 2.06 as of Aug. 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.
Is Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?
Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued.
The current stock price of NPR337.20 is trading 2.2% above its estimated GF Value™ of NPR330.04.
GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.
Key valuation signals for XNEP:JBBL:
PB Ratio: 2.06 (near median its 10-year median of 2.14)
GF Value™: NPR330.04 vs. price of NPR337.20 (2.2% above fair value)
Industry Position: 85.6% above the Banks median (#1343 of 1513)
No single metric tells the full story. See the XNEP:JBBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
76GF Score
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