China Citic BankCHBJF 40 PB Ratio is 0.40 as of Jul. 05, 2026, which is 23% below its 10-year median of 0.52. GuruFocus rates CHBJF with a GF Score™ of 40/100 and a GF Value™ of $0.85 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,518 Banks companies, China Citic Bank ranks better than 89.59% 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 (2026-07-05), China Citic Bank's share price is $0.85165. China Citic Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $2.12. Hence, China Citic Bank's PB Ratio of today is 0.40.
The historical rank and industry rank for China Citic Bank's PB Ratio or its related term are showing as below:
CHBJF'
s PB Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.52 Max: 1.03
Current: 0.48
During the past 13 years, China Citic Bank's highest PB Ratio was 1.03. The lowest was 0.35. And the median was 0.52.
CHBJF's PB Ratio is ranked better than 89.59% of 1518
companies
in the Banks industry
Industry Median: 1.1
vs CHBJF: 0.48
During the past 12 months, China Citic Bank's average Book Value Per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of China Citic Bank was 64.10% per year. The lowest was 2.60% per year. And the median was 12.25% per year.
Back to Basics: PB Ratio
China Citic Bank (OTCPK:CHBJF) 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.
China Citic Bank PB Ratio Related Terms
China Citic Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for China Citic 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, China Citic 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.
China Citic Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, China Citic Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where China Citic 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.
China Citic Bank (CHBJF) has a PB Ratio of 0.40 as of Jul. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on China Citic Bank and its competitors. This is 23% below median its historical median of 0.52. Over the past decade, China Citic Bank's PB Ratio has ranged from 0.35 to 1.03. According to the industry distribution chart, China Citic Bank ranks #158 out of 1518 companies in the Banks industry, placing it in the top 10.4%.
Is China Citic Bank's PB Ratio too high?
China Citic Bank's current PB Ratio of 0.40 is 23% below median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.03. The Banks industry median PB Ratio is 1.10. China Citic Bank's value of 0.40 is 63.6% below this industry median. Based on the distribution chart, China Citic Bank ranks #158 out of 1518 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, China Citic Bank has a GF Score™ of 40/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, China Citic Bank ranks #158 out of 1518 companies for PB Ratio. This places China Citic Bank in the top 10% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. China Citic Bank's value of 0.40 is 63.6% below this benchmark. Historically, China Citic Bank's own PB Ratio has ranged from 0.35 to 1.03 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 1.10, China Citic Bank 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 1.10, based on 1,518 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. China Citic Bank's current PB Ratio of 0.40 is 63.6% 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 China Citic 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. China Citic Bank's current PB Ratio is 0.40, which is 23% below median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (CHBJF) is currently considered Fairly Valued. The stock's GF Value™ is $0.85, compared to a current price of $0.85 — trading 0.2% above its estimated fair value. The current PB Ratio is 0.40, which is 23% below median its 10-year median of 0.52 and 63.6% below the Banks industry median of 1.10. China Citic Bank's overall GF Score™ is 40/100 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 China Citic Bank (CHBJF), the current PB Ratio is 0.40 as of Jul. 05, 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 China Citic Bank (CHBJF) Overvalued in 2026?
Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued.
The current stock price of $0.85 is trading 0.2% above its estimated GF Value™ of $0.85.
GuruFocus considers China Citic Bank to be Fairly Valued.
Key valuation signals for CHBJF:
PB Ratio: 0.40 (23% below median its 10-year median of 0.52)
GF Value™: $0.85 vs. price of $0.85 (0.2% above fair value)
Industry Position: 63.6% below the Banks median (#158 of 1518)
No single metric tells the full story. See the CHBJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
40GF Score
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