VP Bank AGFRA:3VFN 63 PB Ratio is 0.47 as of Jul. 02, 2026, which is 22% below its 10-year median of 0.60. GuruFocus rates FRA:3VFN with a GF Score™ of 63/100 and a GF Value™ of €87.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, VP Bank AG ranks better than 90.31% 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 (2026-07-02), VP Bank AG's share price is €95.50. VP Bank AG's Book Value per Share for the quarter that ended in Dec. 2025 was €201.76. Hence, VP Bank AG's PB Ratio of today is 0.47.
The historical rank and industry rank for VP Bank AG's PB Ratio or its related term are showing as below:
FRA:3VFN'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 0.6 Max: 1.1
Current: 0.47
During the past 13 years, VP Bank AG's highest PB Ratio was 1.10. The lowest was 0.39. And the median was 0.60.
FRA:3VFN's PB Ratio is ranked better than 90.31% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs FRA:3VFN: 0.47
During the past 12 months, VP Bank AG's average Book Value Per Share Growth Rate was 4.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of VP Bank AG was 9.80% per year. The lowest was -4.10% per year. And the median was 0.30% 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.
VP Bank AG PB Ratio Related Terms
VP Bank AG PB Ratio Historical Data
* Premium members only.
The historical data trend for VP Bank AG'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 - Diversified subindustry, VP Bank AG'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.
VP Bank AG PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, VP Bank AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where VP Bank AG'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.
VP Bank AG'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.
VP Bank AG (FRA:3VFN) has a PB Ratio of 0.47 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on VP Bank AG and its competitors. This is 22% below median its historical median of 0.60. Over the past decade, VP Bank AG's PB Ratio has ranged from 0.39 to 1.10. According to the industry distribution chart, VP Bank AG ranks #147 out of 1517 companies in the Banks industry, placing it in the top 9.7%.
Is VP Bank AG's PB Ratio too high?
VP Bank AG's current PB Ratio of 0.47 is 22% below median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.10. The Banks industry median PB Ratio is 1.10. VP Bank AG's value of 0.47 is 57.3% below this industry median. Based on the distribution chart, VP Bank AG ranks #147 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, VP Bank AG has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does VP Bank AG's PB Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, VP Bank AG ranks #147 out of 1517 companies for PB Ratio. This places VP Bank AG in the top 10% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. VP Bank AG's value of 0.47 is 57.3% below this benchmark. Historically, VP Bank AG's own PB Ratio has ranged from 0.39 to 1.10 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 1.10, VP Bank AG 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 1,517 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. VP Bank AG's current PB Ratio of 0.47 is 57.3% 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 VP Bank AG 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. VP Bank AG's current PB Ratio is 0.47, which is 22% below median its own 10-year median of 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VP Bank AG stock overvalued right now?
Based on GuruFocus' analysis, VP Bank AG (FRA:3VFN) is currently considered Fairly Valued. The stock's GF Value™ is €87.54, compared to a current price of €95.50 — trading 9.1% above its estimated fair value. The current PB Ratio is 0.47, which is 22% below median its 10-year median of 0.60 and 57.3% below the Banks industry median of 1.10. VP Bank AG's overall GF Score™ is 63/100 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 VP Bank AG (FRA:3VFN), the current PB Ratio is 0.47 as of Jul. 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 VP Bank AG (FRA:3VFN) Overvalued in 2026?
Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued.
The current stock price of €95.50 is trading 9.1% above its estimated GF Value™ of €87.54.
GuruFocus considers VP Bank AG to be Fairly Valued.
Key valuation signals for FRA:3VFN:
PB Ratio: 0.47 (22% below median its 10-year median of 0.60)
GF Value™: €87.54 vs. price of €95.50 (9.1% above fair value)
Industry Position: 57.3% below the Banks median (#147 of 1517)
No single metric tells the full story. See the FRA:3VFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
63GF Score
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