Manx Financial GroupFRA:3IM +1.37%47 PB Ratio is 0.73 as of Jul. 01, 2026, which is 16% above its 10-year median of 0.63. GuruFocus rates FRA:3IM with a GF Score™ of 47/100 and a GF Value™ of €0.26 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,517 Banks companies, Manx Financial Group ranks better than 74.36% on this metric.
The historical rank and industry rank for Manx Financial Group's PB Ratio or its related term are showing as below:
FRA:3IM'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.63 Max: 1.21
Current: 0.79
During the past 13 years, Manx Financial Group's highest PB Ratio was 1.21. The lowest was 0.34. And the median was 0.63.
FRA:3IM's PB Ratio is ranked better than 74.36% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs FRA:3IM: 0.79
During the past 12 months, Manx Financial Group's average Book Value Per Share Growth Rate was 13.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 12.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Manx Financial Group was 15.40% per year. The lowest was -34.30% per year. And the median was 10.85% per year.
Back to Basics: PB Ratio
Manx Financial Group (FRA:3IM) 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.
Manx Financial Group PB Ratio Related Terms
Manx Financial Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Manx Financial 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, Manx Financial 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.
Manx Financial Group PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Manx Financial 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.
* 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.
Manx Financial Group (FRA:3IM) has a PB Ratio of 0.73 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Manx Financial Group and its competitors. This is 16% above median its historical median of 0.63. Over the past decade, Manx Financial Group's PB Ratio has ranged from 0.34 to 1.21. According to the industry distribution chart, Manx Financial Group ranks #389 out of 1517 companies in the Banks industry, placing it in the top 25.6%.
Is Manx Financial Group's PB Ratio too high?
Manx Financial Group's current PB Ratio of 0.73 is 16% above median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.21. The Banks industry median PB Ratio is 1.09. Manx Financial Group's value of 0.73 is 33% below this industry median. Based on the distribution chart, Manx Financial Group ranks #389 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #389 out of 1517 companies for PB Ratio. This puts Manx Financial Group in the upper half of its industry. The industry median PB Ratio is 1.09. Manx Financial Group's value of 0.73 is 33% below this benchmark. Historically, Manx Financial Group's own PB Ratio has ranged from 0.34 to 1.21 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 1.09, Manx Financial Group 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 1.09, based on 1,517 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. Manx Financial Group's current PB Ratio of 0.73 is 33% 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 Manx Financial Group 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. Manx Financial Group's current PB Ratio is 0.73, which is 16% above median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.26, compared to a current price of €0.30 — trading 13.8% above its estimated fair value. The current PB Ratio is 0.73, which is 16% above median its 10-year median of 0.63 and 33% below the Banks industry median of 1.09. Manx Financial Group's overall GF Score™ is 47/100 with 4 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 Manx Financial Group (FRA:3IM), the current PB Ratio is 0.73 as of Jul. 01, 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 13.8% above its estimated GF Value™ of €0.26.
GuruFocus considers Manx Financial Group to be Fairly Valued.
Key valuation signals for FRA:3IM:
PB Ratio: 0.73 (16% above median its 10-year median of 0.63)
GF Value™: €0.26 vs. price of €0.30 (13.8% above fair value)
Industry Position: 33% below the Banks median (#389 of 1517)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
47GF Score
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