IBW FinancialIBWC +1.05%51 PB Ratio is 0.77 as of Jun. 25, 2026, which is 64% above its 10-year median of 0.47. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,516 Banks companies, IBW Financial ranks better than 75.73% 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 (2026-06-25), IBW Financial's share price is $48.00. IBW Financial's Book Value per Share for the quarter that ended in Dec. 2025 was $61.97. Hence, IBW Financial's PB Ratio of today is 0.77.
Warning Sign:
IBW Financial Corp stock PB Ratio (=0.77) is close to 10-year high of 0.83.
The historical rank and industry rank for IBW Financial's PB Ratio or its related term are showing as below:
IBWC'
s PB Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.47 Max: 0.83
Current: 0.77
During the past 12 years, IBW Financial's highest PB Ratio was 0.83. The lowest was 0.28. And the median was 0.47.
IBWC's PB Ratio is ranked better than 75.73% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs IBWC: 0.77
During the past 12 months, IBW Financial's average Book Value Per Share Growth Rate was 14.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -6.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.40% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of IBW Financial was 12.40% per year. The lowest was -13.20% per year. And the median was 2.20% 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.
IBW Financial PB Ratio Related Terms
IBW Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for IBW Financial'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, IBW Financial'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.
IBW Financial PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where IBW Financial'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.
IBW Financial'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.
IBW Financial (IBWC) has a PB Ratio of 0.77 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IBW Financial and its competitors. This is 64% above median its historical median of 0.47. Over the past decade, IBW Financial's PB Ratio has ranged from 0.28 to 0.83. According to the industry distribution chart, IBW Financial ranks #368 out of 1516 companies in the Banks industry, placing it in the top 24.3%.
Is IBW Financial's PB Ratio too high?
IBW Financial's current PB Ratio of 0.77 is 64% above median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.83. The Banks industry median PB Ratio is 1.08. IBW Financial's value of 0.77 is 28.7% below this industry median. Based on the distribution chart, IBW Financial ranks #368 out of 1516 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's PB Ratio compare to CDAB and CNBZ?
According to the Banks industry distribution chart, IBW Financial ranks #368 out of 1516 companies for PB Ratio. This places IBW Financial in the top 24% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.08. IBW Financial's value of 0.77 is 28.7% below this benchmark. Historically, IBW Financial's own PB Ratio has ranged from 0.28 to 0.83 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 1.08, IBW Financial 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 1.08, based on 1,516 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. IBW Financial's current PB Ratio of 0.77 is 28.7% 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 IBW Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBW Financial's current PB Ratio is 0.77, which is 64% above median its own 10-year median of 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.18, compared to a current price of $48.00 — trading 64.5% above its estimated fair value. The current PB Ratio is 0.77, which is 64% above median its 10-year median of 0.47 and 28.7% below the Banks industry median of 1.08. IBW Financial's overall GF Score™ is 51/100 with 7 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 IBW Financial (IBWC), the current PB Ratio is 0.77 as of Jun. 25, 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $48.00 is trading 64.5% above its estimated GF Value™ of $29.18.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
PB Ratio: 0.77 (64% above median its 10-year median of 0.47)
GF Value™: $29.18 vs. price of $48.00 (64.5% above fair value)
Industry Position: 28.7% below the Banks median (#368 of 1516)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
51GF Score
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