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The historical rank and industry rank for Public Financial Holdings's PB Ratio or its related term are showing as below:
HKSE:00626'
s PB Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.3 Max: 0.57
Current: 0.22
During the past 13 years, Public Financial Holdings's highest PB Ratio was 0.57. The lowest was 0.14. And the median was 0.30.
HKSE:00626's PB Ratio is ranked better than 98.02% of 1513
companies
in the Banks industry
Industry Median: 1.12
vs HKSE:00626: 0.22
During the past 12 months, Public Financial Holdings's average Book Value Per Share Growth Rate was 0.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -3.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Public Financial Holdings was 19.10% per year. The lowest was -3.50% per year. And the median was 3.00% 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.
Public Financial Holdings PB Ratio Related Terms
Public Financial Holdings 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, Public Financial Holdings'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.
Public Financial Holdings PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Public Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Public Financial Holdings'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.
Public Financial Holdings (HKSE:00626) has a PB Ratio of 0.22 as of Aug. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Public Financial Holdings and its competitors. This is 27% below median its historical median of 0.30. Over the past decade, Public Financial Holdings' PB Ratio has ranged from 0.14 to 0.57. According to the industry distribution chart, Public Financial Holdings ranks #30 out of 1513 companies in the Banks industry, placing it in the top 2%.
Is Public Financial Holdings' PB Ratio too high?
Public Financial Holdings' current PB Ratio of 0.22 is 27% below median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.57. The Banks industry median PB Ratio is 1.12. Public Financial Holdings' value of 0.22 is 80.4% below this industry median. Based on the distribution chart, Public Financial Holdings ranks #30 out of 1513 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Public Financial Holdings has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Public Financial Holdings' PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Public Financial Holdings ranks #30 out of 1513 companies for PB Ratio. This places Public Financial Holdings in the top 2% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. Public Financial Holdings' value of 0.22 is 80.4% below this benchmark. Historically, Public Financial Holdings' own PB Ratio has ranged from 0.14 to 0.57 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 1.12, Public Financial Holdings 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 1,513 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. Public Financial Holdings's current PB Ratio of 0.22 is 80.4% 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 Public Financial Holdings 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. Public Financial Holdings's current PB Ratio is 0.22, which is 27% below median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Public Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Public Financial Holdings (HKSE:00626) is currently considered Fairly Valued. The stock's GF Value™ is HK$1.52, compared to a current price of HK$1.55 — trading 2% above its estimated fair value. The current PB Ratio is 0.22, which is 27% below median its 10-year median of 0.30 and 80.4% below the Banks industry median of 1.12. Public Financial Holdings' overall GF Score™ is 58/100 with 2 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 Public Financial Holdings (HKSE:00626), the current PB Ratio is 0.22 as of Aug. 19, 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 Public Financial Holdings (HKSE:00626) Overvalued in 2026?
Based on GuruFocus' analysis, Public Financial Holdings stock appears to be overvalued.
The current stock price of HK$1.55 is trading 2% above its estimated GF Value™ of HK$1.52.
GuruFocus considers Public Financial Holdings to be Fairly Valued.
Key valuation signals for HKSE:00626:
PB Ratio: 0.22 (27% below median its 10-year median of 0.30)
GF Value™: HK$1.52 vs. price of HK$1.55 (2% above fair value)
Industry Position: 80.4% below the Banks median (#30 of 1513)
No single metric tells the full story. See the HKSE:00626 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Public Financial Holdings Ltd is principally engaged in the provision of a range of banking and financial services, stockbroking, the letting of investment properties, the provision of financing to purchasers of taxis and public light buses, the trading of taxi cabs and taxi licences, and the leasing of taxis. The company has three main segments: i) retail and commercial banking businesses; ii) wealth management services, stockbroking and securities management; and iii) other businesses. The majority of the company's revenue is derived from the Retail and Commercial Banking segment, which offers deposit accounts, lending, leasing, business and vehicle financing, foreign exchange, and cash and risk management services.
58GF Score
Get the complete analysis for HKSE:00626
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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