Bank OfgaFSE:8395 51 PB Ratio is 0.68 as of Jul. 03, 2026, which is 143% above its 10-year median of 0.28. GuruFocus rates FSE:8395 with a GF Score™ of 51/100 and a GF Value™ of 円2,874.26. The stock has 4 warning signs investors should review. Among 1,517 Banks companies, Bank Ofga ranks better than 79.04% 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 (2026-07-03), Bank Ofga's share price is 円5110.00. Bank Ofga's Book Value per Share for the quarter that ended in Mar. 2026 was 円7,484.20. Hence, Bank Ofga's PB Ratio of today is 0.68.
Warning Sign:
Bank Of Saga Ltd stock PB Ratio (=0.7) is close to 10-year high of 0.74.
The historical rank and industry rank for Bank Ofga's PB Ratio or its related term are showing as below:
FSE:8395'
s PB Ratio Range Over the Past 10 Years
Min: 0.13 Med: 0.28 Max: 0.74
Current: 0.7
During the past 13 years, Bank Ofga's highest PB Ratio was 0.74. The lowest was 0.13. And the median was 0.28.
FSE:8395's PB Ratio is ranked better than 79.04% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs FSE:8395: 0.70
During the past 12 months, Bank Ofga's average Book Value Per Share Growth Rate was 8.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Bank Ofga was 7.40% per year. The lowest was -1.90% per year. And the median was 2.30% 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.
Bank Ofga PB Ratio Related Terms
Bank Ofga PB Ratio Historical Data
* Premium members only.
The historical data trend for Bank Ofga'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, Bank Ofga'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.
Bank Ofga PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bank Ofga's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bank Ofga'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.
Bank Ofga'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.
Bank Ofga (FSE:8395) has a PB Ratio of 0.68 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 Bank Ofga and its competitors. This is 143% above median its historical median of 0.28. Over the past decade, Bank Ofga's PB Ratio has ranged from 0.13 to 0.74. According to the industry distribution chart, Bank Ofga ranks #318 out of 1517 companies in the Banks industry, placing it in the top 21%.
Is Bank Ofga's PB Ratio too high?
Bank Ofga's current PB Ratio of 0.68 is 143% above median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.74. The Banks industry median PB Ratio is 1.10. Bank Ofga's value of 0.68 is 38.2% below this industry median. Based on the distribution chart, Bank Ofga ranks #318 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Ofga has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Bank Ofga's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Bank Ofga ranks #318 out of 1517 companies for PB Ratio. This places Bank Ofga in the top 21% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.10. Bank Ofga's value of 0.68 is 38.2% below this benchmark. Historically, Bank Ofga's own PB Ratio has ranged from 0.13 to 0.74 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 1.10, Bank Ofga 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. Bank Ofga's current PB Ratio of 0.68 is 38.2% 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 Bank Ofga 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. Bank Ofga's current PB Ratio is 0.68, which is 143% above median its own 10-year median of 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ofga stock overvalued right now?
Bank Ofga (FSE:8395) has a current PB Ratio of 0.68. The stock's GF Value™ is 円2,874.26, compared to a current price of 円5,110.00 — trading 77.8% above its estimated fair value. The current PB Ratio is 0.68, which is 143% above median its 10-year median of 0.28 and 38.2% below the Banks industry median of 1.10. Bank Ofga's overall GF Score™ is 51/100 with 4 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 Bank Ofga (FSE:8395), the current PB Ratio is 0.68 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 Bank Ofga (FSE:8395) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Ofga stock appears to be overvalued.
The current stock price of 円5,110.00 is trading 77.8% above its estimated GF Value™ of 円2,874.26.
Key valuation signals for FSE:8395:
PB Ratio: 0.68 (143% above median its 10-year median of 0.28)
GF Value™: 円2,874.26 vs. price of 円5,110.00 (77.8% above fair value)
Industry Position: 38.2% below the Banks median (#318 of 1517)
No single metric tells the full story. See the FSE:8395 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Of Saga Ltd provides banking and other financial services in Japan. The bank offers deposits account such as current, ordinary, settlement, savings, time deposits, and other deposits. It also provides loans, private placements bonds, venture company support, government bonds, municipal and corporate bonds, stocks and other securities. In addition, the bank also renders services including corporate internet banking service, foreign exchange services, telephone, and direct payment service of treasury funds and many more.
51GF Score
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