Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Community Bancorp Ofnta MariaCYSM +1.23%54 PB Ratio is 1.10 as of Aug. 02, 2026, which is 20% above its 10-year median of 0.92. GuruFocus rates CYSM with a GF Score™ of 54/100 and a GF Value™ of $13.11 (Significantly Overvalued). Among 1,515 Banks companies, Community Bancorp Ofnta Maria ranks better than 51.68% on this metric.
The historical rank and industry rank for Community Bancorp Ofnta Maria's PB Ratio or its related term are showing as below:
CYSM'
s PB Ratio Range Over the Past 10 Years
Min: 0.65 Med: 0.92 Max: 1.61
Current: 1.1
During the past 13 years, Community Bancorp Ofnta Maria's highest PB Ratio was 1.61. The lowest was 0.65. And the median was 0.92.
CYSM's PB Ratio is ranked better than 51.68% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs CYSM: 1.10
During the past 12 months, Community Bancorp Ofnta Maria's average Book Value Per Share Growth Rate was 19.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Community Bancorp Ofnta Maria was 45.20% per year. The lowest was -4.00% per year. And the median was 7.70% 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.
Community Bancorp Ofnta Maria PB Ratio Related Terms
Community Bancorp Ofnta Maria 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.
For the Banks - Regional subindustry, Community Bancorp Ofnta Maria'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.
Community Bancorp Ofnta Maria PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Community Bancorp Ofnta Maria's PB Ratio distribution charts can be found below:
* The bar in red indicates where Community Bancorp Ofnta Maria's PB Ratio falls into.
Community Bancorp Ofnta Maria 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.
Community Bancorp Ofnta Maria (CYSM) has a PB Ratio of 1.10 as of Aug. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Community Bancorp Ofnta Maria and its competitors. This is 20% above median its historical median of 0.92. Over the past decade, Community Bancorp Ofnta Maria's PB Ratio has ranged from 0.65 to 1.61. According to the industry distribution chart, Community Bancorp Ofnta Maria ranks #732 out of 1515 companies in the Banks industry, placing it in the top 48.3%.
Is Community Bancorp Ofnta Maria's PB Ratio too high?
Community Bancorp Ofnta Maria's current PB Ratio of 1.10 is 20% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 1.61. The Banks industry median PB Ratio is 1.11. Community Bancorp Ofnta Maria's value of 1.10 is 0.9% below this industry median. Based on the distribution chart, Community Bancorp Ofnta Maria ranks #732 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Community Bancorp Ofnta Maria has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bancorp Ofnta Maria's PB Ratio compare to SOUB and TMAK?
According to the Banks industry distribution chart, Community Bancorp Ofnta Maria ranks #732 out of 1515 companies for PB Ratio. This puts Community Bancorp Ofnta Maria in the upper half of its industry. The industry median PB Ratio is 1.11. Community Bancorp Ofnta Maria's value of 1.10 is 0.9% below this benchmark. Historically, Community Bancorp Ofnta Maria's own PB Ratio has ranged from 0.65 to 1.61 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.11, Community Bancorp Ofnta Maria 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 1,515 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. Community Bancorp Ofnta Maria's current PB Ratio of 1.10 is 0.9% 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 Community Bancorp Ofnta Maria 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. Community Bancorp Ofnta Maria's current PB Ratio is 1.10, which is 20% above median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bancorp Ofnta Maria stock overvalued right now?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria (CYSM) is currently considered Significantly Overvalued. The stock's GF Value™ is $13.11, compared to a current price of $20.55 — trading 56.8% above its estimated fair value. The current PB Ratio is 1.10, which is 20% above median its 10-year median of 0.92 and 0.9% below the Banks industry median of 1.11. Community Bancorp Ofnta Maria's overall GF Score™ is 54/100. 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 Community Bancorp Ofnta Maria (CYSM), the current PB Ratio is 1.10 as of Aug. 02, 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 Community Bancorp Ofnta Maria (CYSM) Overvalued in 2026?
Based on GuruFocus' analysis, Community Bancorp Ofnta Maria stock appears to be overvalued.
The current stock price of $20.55 is trading 56.8% above its estimated GF Value™ of $13.11.
GuruFocus considers Community Bancorp Ofnta Maria to be Significantly Overvalued.
Key valuation signals for CYSM:
PB Ratio: 1.10 (20% above median its 10-year median of 0.92)
GF Value™: $13.11 vs. price of $20.55 (56.8% above fair value)
Industry Position: 0.9% below the Banks median (#732 of 1515)
No single metric tells the full story. See the CYSM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Bancorp Of Santa Maria Community Bancorp of Santa Maria is the holding company for Community Bank of Santa Maria. The bank provides banking products and services. It offers a full range of commercial and personal banking services to businesses and residents of Santa Maria and the surrounding areas. Community Bancorp has been organized as a single operating segment. Its primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals.
54GF Score
Get the complete analysis for CYSM
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CYSM has been successfully added to your 
