JSB FinancialJFWV 61 PB Ratio is 0.85 as of Jul. 05, 2026, which is 3% below its 10-year median of 0.88. GuruFocus rates JFWV with a GF Score™ of 61/100 and a GF Value™ of $113.47 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, JSB Financial ranks better than 70.14% 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 (2026-07-05), JSB Financial's share price is $122.00. JSB Financial's Book Value per Share for the quarter that ended in Dec. 2025 was $143.02. Hence, JSB Financial's PB Ratio of today is 0.85.
The historical rank and industry rank for JSB Financial's PB Ratio or its related term are showing as below:
JFWV'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 0.88 Max: 1.22
Current: 0.85
During the past 9 years, JSB Financial's highest PB Ratio was 1.22. The lowest was 0.57. And the median was 0.88.
JFWV's PB Ratio is ranked better than 70.14% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs JFWV: 0.85
During the past 12 months, JSB Financial's average Book Value Per Share Growth Rate was 22.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.00% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of JSB Financial was 20.60% per year. The lowest was -6.00% per year. And the median was 5.05% 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.
JSB Financial PB Ratio Related Terms
JSB Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for JSB 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, JSB 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.
JSB Financial PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where JSB 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.
JSB 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.
JSB Financial (JFWV) has a PB Ratio of 0.85 as of Jul. 05, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on JSB Financial and its competitors. This is near median its historical median of 0.88. Over the past decade, JSB Financial's PB Ratio has ranged from 0.57 to 1.22. According to the industry distribution chart, JSB Financial ranks #453 out of 1517 companies in the Banks industry, placing it in the top 29.9%.
Is JSB Financial's PB Ratio too high?
JSB Financial's current PB Ratio of 0.85 is near median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.22. The Banks industry median PB Ratio is 1.10. JSB Financial's value of 0.85 is 22.7% below this industry median. Based on the distribution chart, JSB Financial ranks #453 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, JSB Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's PB Ratio compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #453 out of 1517 companies for PB Ratio. This puts JSB Financial in the upper half of its industry. The industry median PB Ratio is 1.10. JSB Financial's value of 0.85 is 22.7% below this benchmark. Historically, JSB Financial's own PB Ratio has ranged from 0.57 to 1.22 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 1.10, JSB 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 1.10, 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. JSB Financial's current PB Ratio of 0.85 is 22.7% 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 JSB Financial 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. JSB Financial's current PB Ratio is 0.85, which is near median its own 10-year median of 0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Fairly Valued. The stock's GF Value™ is $113.47, compared to a current price of $122.00 — trading 7.5% above its estimated fair value. The current PB Ratio is 0.85, which is near median its 10-year median of 0.88 and 22.7% below the Banks industry median of 1.10. JSB Financial's overall GF Score™ is 61/100 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 JSB Financial (JFWV), the current PB Ratio is 0.85 as of Jul. 05, 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 JSB Financial (JFWV) Overvalued in 2026?
Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued.
The current stock price of $122.00 is trading 7.5% above its estimated GF Value™ of $113.47.
GuruFocus considers JSB Financial to be Fairly Valued.
Key valuation signals for JFWV:
PB Ratio: 0.85 (near median its 10-year median of 0.88)
GF Value™: $113.47 vs. price of $122.00 (7.5% above fair value)
Industry Position: 22.7% below the Banks median (#453 of 1517)
No single metric tells the full story. See the JFWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
61GF Score
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