Hamlin Bank and Trust CoHMLN 71 PB Ratio is 0.88 as of Jun. 29, 2026, which is 4% below its 10-year median of 0.92. GuruFocus rates HMLN with a GF Score™ of 71/100 and a GF Value™ of $273.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,519 Banks companies, Hamlin Bank and Trust Co ranks better than 67.54% on this metric.
Hamlin Bank and Trust Co stock PB Ratio (=0.88) is close to 3-year high of 0.95.
The historical rank and industry rank for Hamlin Bank and Trust Co's PB Ratio or its related term are showing as below:
HMLN'
s PB Ratio Range Over the Past 10 Years
Min: 0.68 Med: 0.92 Max: 1.25
Current: 0.88
During the past 12 years, Hamlin Bank and Trust Co's highest PB Ratio was 1.25. The lowest was 0.68. And the median was 0.92.
HMLN's PB Ratio is ranked better than 67.54% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs HMLN: 0.88
During the past 12 months, Hamlin Bank and Trust Co'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 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Hamlin Bank and Trust Co was 11.10% per year. The lowest was -2.60% per year. And the median was 5.90% per year.
Back to Basics: PB Ratio
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
* 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, Hamlin Bank and Trust 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.
Hamlin Bank and Trust Co PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust 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.
* 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.
Hamlin Bank and Trust Co (HMLN) has a PB Ratio of 0.88 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 0.92. Over the past decade, Hamlin Bank and Trust Co's PB Ratio has ranged from 0.68 to 1.25. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #493 out of 1519 companies in the Banks industry, placing it in the top 32.5%.
Is Hamlin Bank and Trust Co's PB Ratio too high?
Hamlin Bank and Trust Co's current PB Ratio of 0.88 is near median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 1.25. The Banks industry median PB Ratio is 1.09. Hamlin Bank and Trust Co's value of 0.88 is 19.3% below this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #493 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's PB Ratio compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #493 out of 1519 companies for PB Ratio. This puts Hamlin Bank and Trust Co in the upper half of its industry. The industry median PB Ratio is 1.09. Hamlin Bank and Trust Co's value of 0.88 is 19.3% below this benchmark. Historically, Hamlin Bank and Trust Co's own PB Ratio has ranged from 0.68 to 1.25 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.09, Hamlin Bank and Trust 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 1.09, based on 1,519 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. Hamlin Bank and Trust Co's current PB Ratio of 0.88 is 19.3% 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 Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current PB Ratio is 0.88, which is near median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $273.02, compared to a current price of $240.00 — trading 12.1% below its estimated fair value. The current PB Ratio is 0.88, which is near median its 10-year median of 0.92 and 19.3% below the Banks industry median of 1.09. Hamlin Bank and Trust Co's overall GF Score™ is 71/100 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 Hamlin Bank and Trust Co (HMLN), the current PB Ratio is 0.88 as of Jun. 29, 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $240.00 is trading 12.1% below its estimated GF Value™ of $273.02.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
PB Ratio: 0.88 (near median its 10-year median of 0.92)
GF Value™: $273.02 vs. price of $240.00 (12.1% below fair value)
Industry Position: 19.3% below the Banks median (#493 of 1519)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
71GF Score
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