AIB GroupAIBRF +2.36%69 PB Ratio is 1.48 as of Jun. 25, 2026, which is 74% above its 10-year median of 0.85. GuruFocus rates AIBRF with a GF Score™ of 69/100 and a GF Value™ of $7.15 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,515 Banks companies, AIB Group ranks worse than 78.35% 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 (2026-06-25), AIB Group's share price is $11.91. AIB Group's Book Value per Share for the quarter that ended in Dec. 2025 was $8.06. Hence, AIB Group's PB Ratio of today is 1.48.
Warning Sign:
AIB Group PLC stock PB Ratio (=1.55) is close to 5-year high of 1.55.
The historical rank and industry rank for AIB Group's PB Ratio or its related term are showing as below:
AIBRF'
s PB Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.85 Max: 1.78
Current: 1.54
During the past 13 years, AIB Group's highest PB Ratio was 1.78. The lowest was 0.16. And the median was 0.85.
AIBRF's PB Ratio is ranked worse than 78.35% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs AIBRF: 1.54
During the past 12 months, AIB Group's average Book Value Per Share Growth Rate was 3.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of AIB Group was 24.50% per year. The lowest was -87.60% per year. And the median was 5.20% 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.
AIB Group PB Ratio Related Terms
AIB Group PB Ratio Historical Data
* Premium members only.
The historical data trend for AIB Group'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, AIB Group'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.
AIB Group PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where AIB Group'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.
AIB Group'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.
AIB Group (AIBRF) has a PB Ratio of 1.48 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AIB Group and its competitors. This is 74% above median its historical median of 0.85. Over the past decade, AIB Group's PB Ratio has ranged from 0.16 to 1.78. According to the industry distribution chart, AIB Group ranks #1187 out of 1515 companies in the Banks industry, placing it in the top 78.3%.
Is AIB Group's PB Ratio too high?
AIB Group's current PB Ratio of 1.48 is 74% above median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.78. The Banks industry median PB Ratio is 1.08. AIB Group's value of 1.48 is 37% above this industry median. Based on the distribution chart, AIB Group ranks #1187 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, AIB Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, AIB Group ranks #1187 out of 1515 companies for PB Ratio. This places AIB Group in the lower half of its industry. The industry median PB Ratio is 1.08. AIB Group's value of 1.48 is 37% above this benchmark. Historically, AIB Group's own PB Ratio has ranged from 0.16 to 1.78 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.08, AIB Group 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 1.08, based on 1,515 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. AIB Group's current PB Ratio of 1.48 is 37% 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 AIB Group and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIB Group's current PB Ratio is 1.48, which is 74% above median its own 10-year median of 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.15, compared to a current price of $11.91 — trading 66.6% above its estimated fair value. The current PB Ratio is 1.48, which is 74% above median its 10-year median of 0.85 and 37% above the Banks industry median of 1.08. AIB Group's overall GF Score™ is 69/100 with 7 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 AIB Group (AIBRF), the current PB Ratio is 1.48 as of Jun. 25, 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 AIB Group (AIBRF) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $11.91 is trading 66.6% above its estimated GF Value™ of $7.15.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBRF:
PB Ratio: 1.48 (74% above median its 10-year median of 0.85)
GF Value™: $7.15 vs. price of $11.91 (66.6% above fair value)
Industry Position: 37% above the Banks median (#1187 of 1515)
No single metric tells the full story. See the AIBRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
69GF Score
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