FFB BancorpFFBB +0.12%79 PB Ratio is 1.47 as of Jun. 27, 2026, which is 13% below its 10-year median of 1.69. GuruFocus rates FFBB with a GF Score™ of 79/100 and a GF Value™ of $92.13 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,516 Banks companies, FFB Bancorp ranks worse than 76.58% 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 (2026-06-27), FFB Bancorp's share price is $85.255. FFB Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $58.10. Hence, FFB Bancorp's PB Ratio of today is 1.47.
The historical rank and industry rank for FFB Bancorp's PB Ratio or its related term are showing as below:
FFBB'
s PB Ratio Range Over the Past 10 Years
Min: 1.09 Med: 1.69 Max: 2.44
Current: 1.47
During the past 13 years, FFB Bancorp's highest PB Ratio was 2.44. The lowest was 1.09. And the median was 1.69.
FFBB's PB Ratio is ranked worse than 76.58% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs FFBB: 1.47
During the past 12 months, FFB Bancorp's average Book Value Per Share Growth Rate was 4.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 28.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 22.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 21.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of FFB Bancorp was 28.00% per year. The lowest was 3.60% per year. And the median was 12.50% 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.
FFB Bancorp PB Ratio Related Terms
FFB Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for FFB Bancorp'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, FFB Bancorp'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.
FFB Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, FFB Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where FFB Bancorp'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.
FFB Bancorp'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.
FFB Bancorp (FFBB) has a PB Ratio of 1.47 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on FFB Bancorp and its competitors. This is 13% below median its historical median of 1.69. Over the past decade, FFB Bancorp's PB Ratio has ranged from 1.09 to 2.44. According to the industry distribution chart, FFB Bancorp ranks #1161 out of 1516 companies in the Banks industry, placing it in the top 76.6%.
Is FFB Bancorp's PB Ratio too high?
FFB Bancorp's current PB Ratio of 1.47 is 13% below median its 10-year median of 1.69. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 2.44. The Banks industry median PB Ratio is 1.09. FFB Bancorp's value of 1.47 is 34.9% above this industry median. Based on the distribution chart, FFB Bancorp ranks #1161 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, FFB Bancorp has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFB Bancorp's PB Ratio compare to WNEB and FDBC?
According to the Banks industry distribution chart, FFB Bancorp ranks #1161 out of 1516 companies for PB Ratio. This places FFB Bancorp in the lower half of its industry. The industry median PB Ratio is 1.09. FFB Bancorp's value of 1.47 is 34.9% above this benchmark. Historically, FFB Bancorp's own PB Ratio has ranged from 1.09 to 2.44 over the past decade. While the company's 10-year median is 1.69 vs. the industry median of 1.09, FFB Bancorp 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 1.09, based on 1,516 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. FFB Bancorp's current PB Ratio of 1.47 is 34.9% 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 FFB Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FFB Bancorp's current PB Ratio is 1.47, which is 13% below median its own 10-year median of 1.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, FFB Bancorp (FFBB) is currently considered Fairly Valued. The stock's GF Value™ is $92.13, compared to a current price of $85.26 — trading 7.5% below its estimated fair value. The current PB Ratio is 1.47, which is 13% below median its 10-year median of 1.69 and 34.9% above the Banks industry median of 1.09. FFB Bancorp's overall GF Score™ is 79/100 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 FFB Bancorp (FFBB), the current PB Ratio is 1.47 as of Jun. 27, 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 FFB Bancorp (FFBB) Overvalued in 2026?
Based on GuruFocus' analysis, FFB Bancorp stock appears to be undervalued.
The current stock price of $85.26 is trading 7.5% below its estimated GF Value™ of $92.13.
GuruFocus considers FFB Bancorp to be Fairly Valued.
Key valuation signals for FFBB:
PB Ratio: 1.47 (13% below median its 10-year median of 1.69)
GF Value™: $92.13 vs. price of $85.26 (7.5% below fair value)
Industry Position: 34.9% above the Banks median (#1161 of 1516)
No single metric tells the full story. See the FFBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFB Bancorp operates as a bank. It provides a full range of banking services such as checking, savings, certificates of deposits, loans and credits, online banking, mobile banking, debit cards, cash management services, and remote deposit capture service. It generates revenue in the form of interest income.
79GF Score
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