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Kumari BankXNEP:KBL -0.55%63 PB Ratio is 1.24 as of Aug. 18, 2026, which is 21% below its 10-year median of 1.56. GuruFocus rates XNEP:KBL with a GF Score™ of 63/100 and a GF Value™ of NPR191.33 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,514 Banks companies, Kumari Bank ranks worse than 58.52% 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 (2026-08-18), Kumari Bank's share price is NPR215.60. Kumari Bank's Book Value per Share for the quarter that ended in Jul. 2026 was NPR173.52. Hence, Kumari Bank's PB Ratio of today is 1.24.
Good Sign:
Kumari Bank Ltd stock PB Ratio (=1.24) is close to 2-year low of 1.19.
The historical rank and industry rank for Kumari Bank's PB Ratio or its related term are showing as below:
XNEP:KBL'
s PB Ratio Range Over the Past 10 Years
Min: 0.64 Med: 1.56 Max: 4.15
Current: 1.24
During the past 13 years, Kumari Bank's highest PB Ratio was 4.15. The lowest was 0.64. And the median was 1.56.
XNEP:KBL's PB Ratio is ranked worse than 58.52% of 1514
companies
in the Banks industry
Industry Median: 1.12
vs XNEP:KBL: 1.24
During the past 12 months, Kumari Bank's average Book Value Per Share Growth Rate was 20.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Kumari Bank was 22.60% per year. The lowest was -14.60% per year. And the median was 3.30% 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.
Kumari Bank PB Ratio Related Terms
Kumari Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Kumari 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, Kumari 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.
Kumari Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Kumari Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kumari 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.
Kumari Bank'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.
Kumari Bank (XNEP:KBL) has a PB Ratio of 1.24 as of Aug. 18, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kumari Bank and its competitors. This is 21% below median its historical median of 1.56. Over the past decade, Kumari Bank's PB Ratio has ranged from 0.64 to 4.15. According to the industry distribution chart, Kumari Bank ranks #886 out of 1514 companies in the Banks industry, placing it in the top 58.5%.
Is Kumari Bank's PB Ratio too high?
Kumari Bank's current PB Ratio of 1.24 is 21% below median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 4.15. The Banks industry median PB Ratio is 1.12. Kumari Bank's value of 1.24 is 10.7% above this industry median. Based on the distribution chart, Kumari Bank ranks #886 out of 1514 companies in the Banks industry, which is below the industry midpoint. Overall, Kumari Bank has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Kumari Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Kumari Bank ranks #886 out of 1514 companies for PB Ratio. This places Kumari Bank in the lower half of its industry. The industry median PB Ratio is 1.12. Kumari Bank's value of 1.24 is 10.7% above this benchmark. Historically, Kumari Bank's own PB Ratio has ranged from 0.64 to 4.15 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 1.12, Kumari 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 1.12, based on 1,514 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. Kumari Bank's current PB Ratio of 1.24 is 10.7% 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 Kumari Bank 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. Kumari Bank's current PB Ratio is 1.24, which is 21% below median its own 10-year median of 1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kumari Bank stock overvalued right now?
Based on GuruFocus' analysis, Kumari Bank (XNEP:KBL) is currently considered Modestly Overvalued. The stock's GF Value™ is NPR191.33, compared to a current price of NPR215.60 — trading 12.7% above its estimated fair value. The current PB Ratio is 1.24, which is 21% below median its 10-year median of 1.56 and 10.7% above the Banks industry median of 1.12. Kumari Bank's overall GF Score™ is 63/100 with 2 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 Kumari Bank (XNEP:KBL), the current PB Ratio is 1.24 as of Aug. 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 Kumari Bank (XNEP:KBL) Overvalued in 2026?
Based on GuruFocus' analysis, Kumari Bank stock appears to be overvalued.
The current stock price of NPR215.60 is trading 12.7% above its estimated GF Value™ of NPR191.33.
GuruFocus considers Kumari Bank to be Modestly Overvalued.
Key valuation signals for XNEP:KBL:
PB Ratio: 1.24 (21% below median its 10-year median of 1.56)
GF Value™: NPR191.33 vs. price of NPR215.60 (12.7% above fair value)
Industry Position: 10.7% above the Banks median (#886 of 1514)
No single metric tells the full story. See the XNEP:KBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kumari Bank Ltd provides banking services in Nepal, including loans, deposits, trade finance, card services, remittances, e-commerce, and bullion trading with technological support. Its operating segments are Banking, Cards, Remittance Services, Digital Banking, and Treasury. The Banking segment includes loans, deposits, trade operations, and related services. Cards cover credit, debit, and prepaid card products along with digital payment services. Remittance services include inward and outward transfers, while Treasury involves investment activities, foreign exchange trading, and liquidity management. The majority of revenue is generated from the Banking segment.
63GF Score
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