The historical rank and industry rank for CB Central Cooperative Bank AD's PB Ratio or its related term are showing as below:
FRA:4CF'
s PB Ratio Range Over the Past 10 Years
Min: 0.24 Med: 0.53 Max: 1.46
Current: 0.4
During the past 13 years, CB Central Cooperative Bank AD's highest PB Ratio was 1.46. The lowest was 0.24. And the median was 0.53.
FRA:4CF's PB Ratio is ranked better than 92.22% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs FRA:4CF: 0.40
During the past 12 months, CB Central Cooperative Bank AD's average Book Value Per Share Growth Rate was 18.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CB Central Cooperative Bank AD was 16.20% per year. The lowest was -1.90% per year. And the median was 2.90% per year.
Back to Basics: PB Ratio
CB Central Cooperative Bank AD (FRA:4CF) 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.
CB Central Cooperative Bank AD PB Ratio Related Terms
CB Central Cooperative Bank AD 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, CB Central Cooperative Bank AD'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.
CB Central Cooperative Bank AD PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CB Central Cooperative Bank AD's PB Ratio distribution charts can be found below:
* The bar in red indicates where CB Central Cooperative Bank AD's PB Ratio falls into.
CB Central Cooperative Bank AD 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.
CB Central Cooperative Bank AD (FRA:4CF) has a PB Ratio of 0.39 as of Jul. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CB Central Cooperative Bank AD and its competitors. This is 26% below median its historical median of 0.53. Over the past decade, CB Central Cooperative Bank AD's PB Ratio has ranged from 0.24 to 1.46. According to the industry distribution chart, CB Central Cooperative Bank AD ranks #118 out of 1517 companies in the Banks industry, placing it in the top 7.8%.
Is CB Central Cooperative Bank AD's PB Ratio too high?
CB Central Cooperative Bank AD's current PB Ratio of 0.39 is 26% below median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.46. The Banks industry median PB Ratio is 1.10. CB Central Cooperative Bank AD's value of 0.39 is 64.5% below this industry median. Based on the distribution chart, CB Central Cooperative Bank AD ranks #118 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CB Central Cooperative Bank AD has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does CB Central Cooperative Bank AD's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, CB Central Cooperative Bank AD ranks #118 out of 1517 companies for PB Ratio. This places CB Central Cooperative Bank AD in the top 8% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. CB Central Cooperative Bank AD's value of 0.39 is 64.5% below this benchmark. Historically, CB Central Cooperative Bank AD's own PB Ratio has ranged from 0.24 to 1.46 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 1.10, CB Central Cooperative Bank AD 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. CB Central Cooperative Bank AD's current PB Ratio of 0.39 is 64.5% 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 CB Central Cooperative Bank AD 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. CB Central Cooperative Bank AD's current PB Ratio is 0.39, which is 26% below median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Central Cooperative Bank AD stock overvalued right now?
CB Central Cooperative Bank AD (FRA:4CF) has a current PB Ratio of 0.39. The stock's GF Value™ is €1.87, compared to a current price of €1.61 — trading 13.9% below its estimated fair value. The current PB Ratio is 0.39, which is 26% below median its 10-year median of 0.53 and 64.5% below the Banks industry median of 1.10. CB Central Cooperative Bank AD's overall GF Score™ is 55/100 with 1 warning sign 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 CB Central Cooperative Bank AD (FRA:4CF), the current PB Ratio is 0.39 as of Jul. 03, 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 CB Central Cooperative Bank AD (FRA:4CF) Overvalued in 2026?
Based on GuruFocus' analysis, CB Central Cooperative Bank AD stock appears to be undervalued.
The current stock price of €1.61 is trading 13.9% below its estimated GF Value™ of €1.87.
Key valuation signals for FRA:4CF:
PB Ratio: 0.39 (26% below median its 10-year median of 0.53)
GF Value™: €1.87 vs. price of €1.61 (13.9% below fair value)
Industry Position: 64.5% below the Banks median (#118 of 1517)
No single metric tells the full story. See the FRA:4CF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB Central Cooperative Bank AD Business Description
CB Central Cooperative Bank AD is a universal commercial bank. The Bank comprises several products and services in the field of financial intermediation, with an emphasis on SME lending and retail banking. As a universal commercial bank, the company offers an array of financial products and services. The bank is a primary dealer of government securities on the Bulgarian domestic market.
55GF Score
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