The historical rank and industry rank for Hingham Institution forvings's PB Ratio or its related term are showing as below:
FRA:HS3'
s PB Ratio Range Over the Past 10 Years
Min: 0.82 Med: 1.71 Max: 2.72
Current: 1.32
During the past 13 years, Hingham Institution forvings's highest PB Ratio was 2.72. The lowest was 0.82. And the median was 1.71.
FRA:HS3's PB Ratio is ranked worse than 68.01% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs FRA:HS3: 1.32
During the past 12 months, Hingham Institution forvings's average Book Value Per Share Growth Rate was 9.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Hingham Institution forvings was 18.40% per year. The lowest was 6.20% per year. And the median was 10.35% per year.
Back to Basics: PB Ratio
Hingham Institution forvings (FRA:HS3) 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.
Hingham Institution forvings PB Ratio Related Terms
Hingham Institution forvings 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, Hingham Institution forvings'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.
Hingham Institution forvings PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hingham Institution forvings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hingham Institution forvings'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.
Hingham Institution forvings (FRA:HS3) has a PB Ratio of 1.22 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hingham Institution forvings and its competitors. This is 29% below median its historical median of 1.71. Over the past decade, Hingham Institution forvings' PB Ratio has ranged from 0.82 to 2.72. According to the industry distribution chart, Hingham Institution forvings ranks #1031 out of 1516 companies in the Banks industry, placing it in the top 68%.
Is Hingham Institution forvings' PB Ratio too high?
Hingham Institution forvings' current PB Ratio of 1.22 is 29% below median its 10-year median of 1.71. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 2.72. The Banks industry median PB Ratio is 1.08. Hingham Institution forvings' value of 1.22 is 13% above this industry median. Based on the distribution chart, Hingham Institution forvings ranks #1031 out of 1516 companies in the Banks industry, which is below the industry midpoint. Overall, Hingham Institution forvings has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Hingham Institution forvings' PB Ratio compare to TCBX and ALPIB?
According to the Banks industry distribution chart, Hingham Institution forvings ranks #1031 out of 1516 companies for PB Ratio. This places Hingham Institution forvings in the lower half of its industry. The industry median PB Ratio is 1.08. Hingham Institution forvings' value of 1.22 is 13% above this benchmark. Historically, Hingham Institution forvings' own PB Ratio has ranged from 0.82 to 2.72 over the past decade. While the company's 10-year median is 1.71 vs. the industry median of 1.08, Hingham Institution forvings 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 1.08, 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. Hingham Institution forvings's current PB Ratio of 1.22 is 13% 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 Hingham Institution forvings and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hingham Institution forvings's current PB Ratio is 1.22, which is 29% below median its own 10-year median of 1.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hingham Institution forvings stock overvalued right now?
Hingham Institution forvings (FRA:HS3) has a current PB Ratio of 1.22. The stock's GF Value™ is €253.67, compared to a current price of €232.00 — trading 8.5% below its estimated fair value. The current PB Ratio is 1.22, which is 29% below median its 10-year median of 1.71 and 13% above the Banks industry median of 1.08. Hingham Institution forvings' overall GF Score™ is 57/100 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 Hingham Institution forvings (FRA:HS3), the current PB Ratio is 1.22 as of Jun. 24, 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 Hingham Institution forvings (FRA:HS3) Overvalued in 2026?
Based on GuruFocus' analysis, Hingham Institution forvings stock appears to be undervalued.
The current stock price of €232.00 is trading 8.5% below its estimated GF Value™ of €253.67.
Key valuation signals for FRA:HS3:
PB Ratio: 1.22 (29% below median its 10-year median of 1.71)
GF Value™: €253.67 vs. price of €232.00 (8.5% below fair value)
Industry Position: 13% above the Banks median (#1031 of 1516)
No single metric tells the full story. See the FRA:HS3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hingham Institution for Savings is a Massachusetts-chartered savings bank headquartered in Hingham, Massachusetts. The bank is principally engaged in the business of commercial and residential real estate mortgage lending, funded by a mix of retail and commercial deposits, wholesale deposits and borrowings. Its primary deposit products are savings, checking, and term certificate accounts, and its primary lending products are residential and commercial mortgage loans secured by properties in eastern Massachusetts. The bank also lends to commercial and residential real estate borrowers and services deposits for customers in the greater Washington, D.C. metropolitan area (WMA) and in the San Francisco Bay Area.
57GF Score
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