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Luzhou Bank CoHKSE:01983 -0.67%82 PB Ratio is 0.40 as of Aug. 22, 2026, which is 34% below its 10-year median of 0.61. GuruFocus rates HKSE:01983 with a GF Score™ of 82/100 and a GF Value™ of HK$2.58 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,511 Banks companies, Luzhou Bank Co ranks better than 92.85% 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 (2026-08-22), Luzhou Bank Co's share price is HK$2.215. Luzhou Bank Co's Book Value per Share for the quarter that ended in Dec. 2025 was HK$5.54. Hence, Luzhou Bank Co's PB Ratio of today is 0.40.
The historical rank and industry rank for Luzhou Bank Co's PB Ratio or its related term are showing as below:
HKSE:01983'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.61 Max: 1.37
Current: 0.4
During the past 11 years, Luzhou Bank Co's highest PB Ratio was 1.37. The lowest was 0.34. And the median was 0.61.
HKSE:01983's PB Ratio is ranked better than 92.85% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs HKSE:01983: 0.40
During the past 12 months, Luzhou Bank Co's average Book Value Per Share Growth Rate was 13.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 14.10% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Luzhou Bank Co was 25.80% per year. The lowest was 3.80% per year. And the median was 16.05% 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.
Luzhou Bank Co PB Ratio Related Terms
Luzhou Bank Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Luzhou Bank Co'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, Luzhou Bank Co'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.
Luzhou Bank Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Luzhou Bank Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Luzhou Bank Co'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.
Luzhou Bank Co'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.
Luzhou Bank Co (HKSE:01983) has a PB Ratio of 0.40 as of Aug. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Luzhou Bank Co and its competitors. This is 34% below median its historical median of 0.61. Over the past decade, Luzhou Bank Co's PB Ratio has ranged from 0.34 to 1.37. According to the industry distribution chart, Luzhou Bank Co ranks #108 out of 1511 companies in the Banks industry, placing it in the top 7.1%.
Is Luzhou Bank Co's PB Ratio too high?
Luzhou Bank Co's current PB Ratio of 0.40 is 34% below median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.37. The Banks industry median PB Ratio is 1.11. Luzhou Bank Co's value of 0.40 is 64% below this industry median. Based on the distribution chart, Luzhou Bank Co ranks #108 out of 1511 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Luzhou Bank Co has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Luzhou Bank Co's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Luzhou Bank Co ranks #108 out of 1511 companies for PB Ratio. This places Luzhou Bank Co in the top 7% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Luzhou Bank Co's value of 0.40 is 64% below this benchmark. Historically, Luzhou Bank Co's own PB Ratio has ranged from 0.34 to 1.37 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 1.11, Luzhou Bank Co 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 1.11, based on 1,511 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. Luzhou Bank Co's current PB Ratio of 0.40 is 64% 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 Luzhou Bank Co and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Luzhou Bank Co's current PB Ratio is 0.40, which is 34% below median its own 10-year median of 0.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luzhou Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Luzhou Bank Co (HKSE:01983) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$2.58, compared to a current price of HK$2.22 — trading 14.1% below its estimated fair value. The current PB Ratio is 0.40, which is 34% below median its 10-year median of 0.61 and 64% below the Banks industry median of 1.11. Luzhou Bank Co's overall GF Score™ is 82/100 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 Luzhou Bank Co (HKSE:01983), the current PB Ratio is 0.40 as of Aug. 22, 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 Luzhou Bank Co (HKSE:01983) Overvalued in 2026?
Based on GuruFocus' analysis, Luzhou Bank Co stock appears to be undervalued.
The current stock price of HK$2.22 is trading 14.1% below its estimated GF Value™ of HK$2.58.
GuruFocus considers Luzhou Bank Co to be Modestly Undervalued.
Key valuation signals for HKSE:01983:
PB Ratio: 0.40 (34% below median its 10-year median of 0.61)
GF Value™: HK$2.58 vs. price of HK$2.22 (14.1% below fair value)
Industry Position: 64% below the Banks median (#108 of 1511)
No single metric tells the full story. See the HKSE:01983 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Luzhou Bank Co Ltd is a commercial bank in Luzhou, providing financial services to its customers. The company's services include deposits, loans, e-banking, interbank finance, investment and financial management, deposit business, convenience finance, phone banking, personal online banking, and mobile banking. The operating business segments are Corporate Banking, Retail Banking, Financial Markets, and Others. The majority of revenue is derived from the Corporate banking segment.
82GF Score
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