Abu Dhabi Commercial Bank (ADX:ADCB) PB Ratio: 1.36 (As of Jul. 13, 2026) — 26% Above Median


ADX:ADCB Abu Dhabi Commercial Bank ADX:ADCB
61 GF Score
Price د.إ14.70
GF Value د.إ13.56
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Abu Dhabi Commercial Bank PB Ratio?

Abu Dhabi Commercial Bank ADX:ADCB -1.08% 61 PB Ratio is 1.36 as of Jul. 13, 2026, which is 26% above its 10-year median of 1.08. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.56 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,520 Banks companies, Abu Dhabi Commercial Bank ranks worse than 69.34% 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 (2026-07-13), Abu Dhabi Commercial Bank's share price is د.إ14.70. Abu Dhabi Commercial Bank's Book Value per Share for the quarter that ended in Mar. 2026 was د.إ10.84. Hence, Abu Dhabi Commercial Bank's PB Ratio of today is 1.36.

The historical rank and industry rank for Abu Dhabi Commercial Bank's PB Ratio or its related term are showing as below:

ADX:ADCB' s PB Ratio Range Over the Past 10 Years
Min: 0.58   Med: 1.08   Max: 1.65
Current: 1.36

During the past 13 years, Abu Dhabi Commercial Bank's highest PB Ratio was 1.65. The lowest was 0.58. And the median was 1.08.

ADX:ADCB's PB Ratio is ranked worse than
69.34% of 1520 companies
in the Banks industry
Industry Median: 1.1 vs ADX:ADCB: 1.36

During the past 12 months, Abu Dhabi Commercial Bank's average Book Value Per Share Growth Rate was 9.80% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 11.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 8.50% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 8.10% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Abu Dhabi Commercial Bank was 22.50% per year. The lowest was -60.60% per year. And the median was 8.00% per year.

Back to Basics: PB Ratio


Abu Dhabi Commercial Bank  (ADX:ADCB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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.


Abu Dhabi Commercial Bank PB Ratio Related Terms


Abu Dhabi Commercial Bank PB Ratio Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Commercial 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.

Abu Dhabi Commercial Bank PB Ratio Chart

Abu Dhabi Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.00 1.02 0.94 1.01 1.28

Abu Dhabi Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.08 1.29 1.34 1.28 1.14

Abu Dhabi Commercial Bank PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Commercial 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.


Abu Dhabi Commercial Bank PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's PB Ratio distribution charts can be found below:

* The bar in red indicates where Abu Dhabi Commercial Bank's PB Ratio falls into.


ADX:ADCB
61GF Score
Abu Dhabi Commercial Bank ADX:ADCB
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi Commercial Bank PB Ratio Calculation

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.

Abu Dhabi Commercial Bank's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=14.70/10.84
=1.36

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 1.36 mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a PB Ratio of 1.36 as of Jul. 13, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Abu Dhabi Commercial Bank and its competitors. This is 26% above median its historical median of 1.08. Over the past decade, Abu Dhabi Commercial Bank's PB Ratio has ranged from 0.58 to 1.65. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #1054 out of 1520 companies in the Banks industry, placing it in the top 69.3%.
Is Abu Dhabi Commercial Bank's PB Ratio too high?
Abu Dhabi Commercial Bank's current PB Ratio of 1.36 is 26% above median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 1.65. The Banks industry median PB Ratio is 1.10. Abu Dhabi Commercial Bank's value of 1.36 is 23.6% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #1054 out of 1520 companies in the Banks industry, which is below the industry midpoint. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #1054 out of 1520 companies for PB Ratio. This places Abu Dhabi Commercial Bank in the lower half of its industry. The industry median PB Ratio is 1.10. Abu Dhabi Commercial Bank's value of 1.36 is 23.6% above this benchmark. Historically, Abu Dhabi Commercial Bank's own PB Ratio has ranged from 0.58 to 1.65 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.10, Abu Dhabi Commercial 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 1.10, based on 1,520 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. Abu Dhabi Commercial Bank's current PB Ratio of 1.36 is 23.6% 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 Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current PB Ratio is 1.36, which is 26% above median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.56, compared to a current price of د.إ14.70 — trading 8.4% above its estimated fair value. The current PB Ratio is 1.36, which is 26% above median its 10-year median of 1.08 and 23.6% above the Banks industry median of 1.10. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 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 Abu Dhabi Commercial Bank (ADX:ADCB), the current PB Ratio is 1.36 as of Jul. 13, 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued. The current stock price of د.إ14.70 is trading 8.4% above its estimated GF Value™ of د.إ13.56. GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.

Key valuation signals for ADX:ADCB:

  • PB Ratio: 1.36 (26% above median its 10-year median of 1.08)
  • GF Value™: د.إ13.56 vs. price of د.إ14.70 (8.4% above fair value)
  • GF Score™: 61/100 with 4 warning signs
  • Industry Position: 23.6% above the Banks median (#1054 of 1520)

No single metric tells the full story. See the ADX:ADCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Abu Dhabi Commercial Bank Business Description

Address Sheikh Zayed Bin Sultan Street, Head Office Building, Plot C- 33, Sector E-11, P. O. Box 939, Abu Dhabi, ARE
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score

Get the complete analysis for ADX:ADCB

PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ14.70
Price
د.إ13.56
GF Value