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Artea Bankas ABFRA:ZH5 12 PB Ratio is 0.95 as of Jul. 17, 2026, which is 2% below its 10-year median of 0.97. GuruFocus rates FRA:ZH5 with a GF Score™ of 12/100 and a GF Value™ of €0.78 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,517 Banks companies, Artea Bankas AB ranks better than 62.76% 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 (2026-07-17), Artea Bankas AB's share price is €0.86. Artea Bankas AB's Book Value per Share for the quarter that ended in Mar. 2026 was €0.91. Hence, Artea Bankas AB's PB Ratio of today is 0.95.
The historical rank and industry rank for Artea Bankas AB's PB Ratio or its related term are showing as below:
FRA:ZH5'
s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 0.97 Max: 1.44
Current: 0.97
During the past 13 years, Artea Bankas AB's highest PB Ratio was 1.44. The lowest was 0.63. And the median was 0.97.
FRA:ZH5's PB Ratio is ranked better than 62.76% of 1517
companies
in the Banks industry
Industry Median: 1.12
vs FRA:ZH5: 0.97
During the past 12 months, Artea Bankas AB's average Book Value Per Share Growth Rate was 5.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Artea Bankas AB was 22.50% per year. The lowest was -29.60% per year. And the median was 11.60% 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.
Artea Bankas AB PB Ratio Related Terms
Artea Bankas AB PB Ratio Historical Data
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The historical data trend for Artea Bankas AB'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, Artea Bankas AB'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.
Artea Bankas AB PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Artea Bankas AB's PB Ratio distribution charts can be found below:
* The bar in red indicates where Artea Bankas AB'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.
Artea Bankas AB'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.
Artea Bankas AB (FRA:ZH5) has a PB Ratio of 0.95 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Artea Bankas AB and its competitors. This is near median its historical median of 0.97. Over the past decade, Artea Bankas AB's PB Ratio has ranged from 0.63 to 1.44. According to the industry distribution chart, Artea Bankas AB ranks #565 out of 1517 companies in the Banks industry, placing it in the top 37.2%.
Is Artea Bankas AB's PB Ratio too high?
Artea Bankas AB's current PB Ratio of 0.95 is near median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.44. The Banks industry median PB Ratio is 1.12. Artea Bankas AB's value of 0.95 is 15.2% below this industry median. Based on the distribution chart, Artea Bankas AB ranks #565 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Artea Bankas AB has a GF Score™ of 12/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Artea Bankas AB's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Artea Bankas AB ranks #565 out of 1517 companies for PB Ratio. This puts Artea Bankas AB in the upper half of its industry. The industry median PB Ratio is 1.12. Artea Bankas AB's value of 0.95 is 15.2% below this benchmark. Historically, Artea Bankas AB's own PB Ratio has ranged from 0.63 to 1.44 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 1.12, Artea Bankas AB 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 1.12, 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. Artea Bankas AB's current PB Ratio of 0.95 is 15.2% 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 Artea Bankas AB and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Artea Bankas AB's current PB Ratio is 0.95, which is near median its own 10-year median of 0.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Artea Bankas AB stock overvalued right now?
Based on GuruFocus' analysis, Artea Bankas AB (FRA:ZH5) is currently considered Fairly Valued. The stock's GF Value™ is €0.78, compared to a current price of €0.86 — trading 10.3% above its estimated fair value. The current PB Ratio is 0.95, which is near median its 10-year median of 0.97 and 15.2% below the Banks industry median of 1.12. Artea Bankas AB's overall GF Score™ is 12/100 with 6 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 Artea Bankas AB (FRA:ZH5), the current PB Ratio is 0.95 as of Jul. 17, 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 Artea Bankas AB (FRA:ZH5) Overvalued in 2026?
Based on GuruFocus' analysis, Artea Bankas AB stock appears to be overvalued.
The current stock price of €0.86 is trading 10.3% above its estimated GF Value™ of €0.78.
GuruFocus considers Artea Bankas AB to be Fairly Valued.
Key valuation signals for FRA:ZH5:
PB Ratio: 0.95 (near median its 10-year median of 0.97)
GF Value™: €0.78 vs. price of €0.86 (10.3% above fair value)
Industry Position: 15.2% below the Banks median (#565 of 1517)
No single metric tells the full story. See the FRA:ZH5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Artea Bankas AB provides daily finances to small and medium-sized businesses. It performs all banking operations including accepting deposits, issuing loans, money transfers and documentary settlements, exchanging currencies for clients, issuing and processing debit and credit cards, and among others.
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