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.
Carver BancorpFRA:39CN -0.74%39 PB Ratio is 5.42 as of Aug. 21, 2026, which is 239% above its 10-year median of 1.60. GuruFocus rates FRA:39CN with a GF Score™ of 39/100 and a GF Value™ of €1.45 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,511 Banks companies, Carver Bancorp ranks worse than 98.81% 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 (2026-08-21), Carver Bancorp's share price is €1.35. Carver Bancorp's Book Value per Share for the quarter that ended in Jun. 2026 was €0.25. Hence, Carver Bancorp's PB Ratio of today is 5.42.
Warning Sign:
Carver Bancorp Inc stock PB Ratio (=5.62) is close to 5-year high of 6.11.
The historical rank and industry rank for Carver Bancorp's PB Ratio or its related term are showing as below:
FRA:39CN'
s PB Ratio Range Over the Past 10 Years
Min: 0.33 Med: 1.6 Max: 39.52
Current: 5.62
During the past 13 years, Carver Bancorp's highest PB Ratio was 39.52. The lowest was 0.33. And the median was 1.60.
FRA:39CN's PB Ratio is ranked worse than 98.81% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs FRA:39CN: 5.62
During the past 12 months, Carver Bancorp's average Book Value Per Share Growth Rate was -77.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -52.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -41.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Carver Bancorp was 133.10% per year. The lowest was -79.50% per year. And the median was -1.90% 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.
Carver Bancorp PB Ratio Related Terms
Carver Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Carver 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, Carver 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.
Carver Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Carver Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Carver 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.
Carver 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.
Carver Bancorp (FRA:39CN) has a PB Ratio of 5.42 as of Aug. 21, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Carver Bancorp and its competitors. This is 239% above median its historical median of 1.60. Over the past decade, Carver Bancorp's PB Ratio has ranged from 0.33 to 39.52. According to the industry distribution chart, Carver Bancorp ranks #1493 out of 1511 companies in the Banks industry, placing it in the top 98.8%.
Is Carver Bancorp's PB Ratio too high?
Carver Bancorp's current PB Ratio of 5.42 is 239% above median its 10-year median of 1.60. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 39.52. The Banks industry median PB Ratio is 1.11. Carver Bancorp's value of 5.42 is 388.3% above this industry median. Based on the distribution chart, Carver Bancorp ranks #1493 out of 1511 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Carver Bancorp has a GF Score™ of 39/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Carver Bancorp's PB Ratio compare to FSGB and EWSB?
According to the Banks industry distribution chart, Carver Bancorp ranks #1493 out of 1511 companies for PB Ratio. This places Carver Bancorp in the lower half of its industry. The industry median PB Ratio is 1.11. Carver Bancorp's value of 5.42 is 388.3% above this benchmark. Historically, Carver Bancorp's own PB Ratio has ranged from 0.33 to 39.52 over the past decade. While the company's 10-year median is 1.60 vs. the industry median of 1.11, Carver 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 1.11, based on 1,511 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. Carver Bancorp's current PB Ratio of 5.42 is 388.3% 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 Carver Bancorp 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. Carver Bancorp's current PB Ratio is 5.42, which is 239% above median its own 10-year median of 1.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Carver Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Carver Bancorp (FRA:39CN) is currently considered Fairly Valued. The stock's GF Value™ is €1.45, compared to a current price of €1.35 — trading 6.9% below its estimated fair value. The current PB Ratio is 5.42, which is 239% above median its 10-year median of 1.60 and 388.3% above the Banks industry median of 1.11. Carver Bancorp's overall GF Score™ is 39/100 with 3 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 Carver Bancorp (FRA:39CN), the current PB Ratio is 5.42 as of Aug. 21, 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 Carver Bancorp (FRA:39CN) Overvalued in 2026?
Based on GuruFocus' analysis, Carver Bancorp stock appears to be undervalued.
The current stock price of €1.35 is trading 6.9% below its estimated GF Value™ of €1.45.
GuruFocus considers Carver Bancorp to be Fairly Valued.
Key valuation signals for FRA:39CN:
PB Ratio: 5.42 (239% above median its 10-year median of 1.60)
GF Value™: €1.45 vs. price of €1.35 (6.9% below fair value)
Industry Position: 388.3% above the Banks median (#1493 of 1511)
No single metric tells the full story. See the FRA:39CN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Carver Bancorp Inc is a holding company and conducts its business as a unitary saving and loan holding firm and the business of the company consists of the operation of its subsidiary. The bank offers a wide range of financial solutions to meet customers' banking. It offers other consumer and commercial banking products and services, such as debit cards, online banking, online bill pay, and telephone banking. The company provides deposit products, such as demand, savings, and time deposits for consumers, businesses, and governmental and quasi-governmental agencies in its market area within New York City.
39GF Score
Get the complete analysis for FRA:39CN
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
FRA:39CN has been successfully added to your 
