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What is National Bank of Umm Al-Qaiwain PSC PB Ratio?
National Bank of Umm Al-Qaiwain PSCADX:NBQ 56 PB Ratio is 0.94 as of Jul. 16, 2026, which is 15% above its 10-year median of 0.82. GuruFocus rates ADX:NBQ with a GF Score™ of 56/100 and a GF Value™ of د.إ2.60 (Modestly Overvalued). Among 1,517 Banks companies, National Bank of Umm Al-Qaiwain PSC ranks better than 65.13% on this metric.
ADX:NBQ's PB Ratio is ranked better than 65.13% of 1517
companies
in the Banks industry
Industry Median: 1.11
vs ADX:NBQ: 0.94
During the past 12 months, National Bank of Umm Al-Qaiwain PSC's average Book Value Per Share Growth Rate was 6.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of National Bank of Umm Al-Qaiwain PSC was 7.10% per year. The lowest was -8.50% per year. And the median was 4.00% per year.
Back to Basics: PB Ratio
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) PB Ratio Explanation
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.
National Bank of Umm Al-Qaiwain PSC PB Ratio Related Terms
National Bank of Umm Al-Qaiwain PSC PB Ratio Historical Data
* 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.
National Bank of Umm Al-Qaiwain PSC PB Ratio Chart
National Bank of Umm Al-Qaiwain PSC PB Ratio Competitor Comparison
For the Banks - Regional subindustry, National Bank of Umm Al-Qaiwain PSC'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.
National Bank of Umm Al-Qaiwain PSC PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Umm Al-Qaiwain PSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where National Bank of Umm Al-Qaiwain PSC's PB Ratio falls into.
National Bank of Umm Al-Qaiwain PSC 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.
* 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.
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) has a PB Ratio of 0.94 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on National Bank of Umm Al-Qaiwain PSC and its competitors. This is 15% above median its historical median of 0.82. Over the past decade, National Bank of Umm Al-Qaiwain PSC's PB Ratio has ranged from 0.25 to 1.82. According to the industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #529 out of 1517 companies in the Banks industry, placing it in the top 34.9%.
Is National Bank of Umm Al-Qaiwain PSC's PB Ratio too high?
National Bank of Umm Al-Qaiwain PSC's current PB Ratio of 0.94 is 15% above median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 1.82. The Banks industry median PB Ratio is 1.11. National Bank of Umm Al-Qaiwain PSC's value of 0.94 is 15.3% below this industry median. Based on the distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #529 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, National Bank of Umm Al-Qaiwain PSC has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Umm Al-Qaiwain PSC's PB Ratio compare to competitors?
According to the Banks industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #529 out of 1517 companies for PB Ratio. This puts National Bank of Umm Al-Qaiwain PSC in the upper half of its industry. The industry median PB Ratio is 1.11. National Bank of Umm Al-Qaiwain PSC's value of 0.94 is 15.3% below this benchmark. Historically, National Bank of Umm Al-Qaiwain PSC's own PB Ratio has ranged from 0.25 to 1.82 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 1.11, National Bank of Umm Al-Qaiwain PSC 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. National Bank of Umm Al-Qaiwain PSC's current PB Ratio of 0.94 is 15.3% 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 National Bank of Umm Al-Qaiwain PSC 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. National Bank of Umm Al-Qaiwain PSC's current PB Ratio is 0.94, which is 15% above median its own 10-year median of 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Umm Al-Qaiwain PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ2.60, compared to a current price of د.إ2.93 — trading 12.7% above its estimated fair value. The current PB Ratio is 0.94, which is 15% above median its 10-year median of 0.82 and 15.3% below the Banks industry median of 1.11. National Bank of Umm Al-Qaiwain PSC's overall GF Score™ is 56/100. 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 National Bank of Umm Al-Qaiwain PSC (ADX:NBQ), the current PB Ratio is 0.94 as of Jul. 16, 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 National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC stock appears to be overvalued.
The current stock price of د.إ2.93 is trading 12.7% above its estimated GF Value™ of د.إ2.60.
GuruFocus considers National Bank of Umm Al-Qaiwain PSC to be Modestly Overvalued.
Key valuation signals for ADX:NBQ:
PB Ratio: 0.94 (15% above median its 10-year median of 0.82)
GF Value™: د.إ2.60 vs. price of د.إ2.93 (12.7% above fair value)
Industry Position: 15.3% below the Banks median (#529 of 1517)
No single metric tells the full story. See the ADX:NBQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Umm Al-Qaiwain PSC Business Description
National Bank of Umm Al-Qaiwain PSC provides banking services. The company operates in these segments: Retail and Corporate Banking, Treasury and Investments, and others. The majority of its revenue comes from the Treasury and Investments segment, which comprises dealing room-related money markets, and foreign exchange transactions with other banks and financial institutions.
56GF Score
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