MainStreet BancsharesFRA:5L0 -8.18%65 PB Ratio is 0.91 as of Jul. 09, 2026, which is 19% below its 10-year median of 1.13. GuruFocus rates FRA:5L0 with a GF Score™ of 65/100 and a GF Value™ of €16.47 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,516 Banks companies, MainStreet Bancshares ranks better than 63.98% on this metric.
MainStreet Bancshares Inc stock PB Ratio (=0.94) is close to 3-year high of 1.04.
The historical rank and industry rank for MainStreet Bancshares's PB Ratio or its related term are showing as below:
FRA:5L0'
s PB Ratio Range Over the Past 10 Years
Min: 0.61 Med: 1.13 Max: 1.97
Current: 0.94
During the past 13 years, MainStreet Bancshares's highest PB Ratio was 1.97. The lowest was 0.61. And the median was 1.13.
FRA:5L0's PB Ratio is ranked better than 63.98% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs FRA:5L0: 0.94
During the past 12 months, MainStreet Bancshares's average Book Value Per Share Growth Rate was 8.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of MainStreet Bancshares was 26.70% per year. The lowest was -1.70% per year. And the median was 7.45% per year.
Back to Basics: PB Ratio
MainStreet Bancshares (FRA:5L0) 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.
* 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, MainStreet Bancshares'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.
MainStreet Bancshares PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, MainStreet Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where MainStreet Bancshares'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.
MainStreet Bancshares (FRA:5L0) has a PB Ratio of 0.91 as of Jul. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on MainStreet Bancshares and its competitors. This is 19% below median its historical median of 1.13. Over the past decade, MainStreet Bancshares' PB Ratio has ranged from 0.61 to 1.97. According to the industry distribution chart, MainStreet Bancshares ranks #546 out of 1516 companies in the Banks industry, placing it in the top 36%.
Is MainStreet Bancshares' PB Ratio too high?
MainStreet Bancshares' current PB Ratio of 0.91 is 19% below median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 1.97. The Banks industry median PB Ratio is 1.09. MainStreet Bancshares' value of 0.91 is 16.5% below this industry median. Based on the distribution chart, MainStreet Bancshares ranks #546 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, MainStreet Bancshares has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MainStreet Bancshares' PB Ratio compare to BMBN and PLQC?
According to the Banks industry distribution chart, MainStreet Bancshares ranks #546 out of 1516 companies for PB Ratio. This puts MainStreet Bancshares in the upper half of its industry. The industry median PB Ratio is 1.09. MainStreet Bancshares' value of 0.91 is 16.5% below this benchmark. Historically, MainStreet Bancshares' own PB Ratio has ranged from 0.61 to 1.97 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.09, MainStreet Bancshares 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 1,516 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. MainStreet Bancshares's current PB Ratio of 0.91 is 16.5% 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 MainStreet Bancshares 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. MainStreet Bancshares's current PB Ratio is 0.91, which is 19% below median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MainStreet Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MainStreet Bancshares (FRA:5L0) is currently considered Modestly Overvalued. The stock's GF Value™ is €16.47, compared to a current price of €20.20 — trading 22.6% above its estimated fair value. The current PB Ratio is 0.91, which is 19% below median its 10-year median of 1.13 and 16.5% below the Banks industry median of 1.09. MainStreet Bancshares' overall GF Score™ is 65/100 with 8 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 MainStreet Bancshares (FRA:5L0), the current PB Ratio is 0.91 as of Jul. 09, 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 MainStreet Bancshares (FRA:5L0) Overvalued in 2026?
Based on GuruFocus' analysis, MainStreet Bancshares stock appears to be overvalued.
The current stock price of €20.20 is trading 22.6% above its estimated GF Value™ of €16.47.
GuruFocus considers MainStreet Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:5L0:
PB Ratio: 0.91 (19% below median its 10-year median of 1.13)
GF Value™: €16.47 vs. price of €20.20 (22.6% above fair value)
Industry Position: 16.5% below the Banks median (#546 of 1516)
No single metric tells the full story. See the FRA:5L0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MainStreet Bancshares Inc is a bank holding company. It is focused on serving the borrowing, cash management and depository needs of small to medium-sized businesses, and professional practices and retail customers. The bank's products and services include business and consumer checking, premium interest-bearing checking, business account analysis, savings, certificates of deposit and other depository services, as well as a broad array of commercial, real estate and consumer loans.
65GF Score
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