Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Keweenaw FinancialKEFI 40 PB Ratio is 0.54 as of Aug. 28, 2026, which is 54% below its 10-year median of 1.17. GuruFocus rates KEFI with a GF Score™ of 40/100 and a GF Value™ of $95.45 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,509 Banks companies, Keweenaw Financial ranks better than 87.28% on this metric.
Keweenaw Financial Corp stock PB Ratio (=0.54) is close to 5-year low of 0.54.
The historical rank and industry rank for Keweenaw Financial's PB Ratio or its related term are showing as below:
KEFI'
s PB Ratio Range Over the Past 10 Years
Min: 0.54 Med: 1.17 Max: 2.91
Current: 0.54
During the past 5 years, Keweenaw Financial's highest PB Ratio was 2.91. The lowest was 0.54. And the median was 1.17.
KEFI's PB Ratio is ranked better than 87.28% of 1509
companies
in the Banks industry
Industry Median: 1.12
vs KEFI: 0.54
During the past 12 months, Keweenaw Financial's average Book Value Per Share Growth Rate was 21.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 14.80% per year.
During the past 5 years, the highest 3-Year average Book Value Per Share Growth Rate of Keweenaw Financial was 14.80% per year. The lowest was -4.50% per year. And the median was 5.15% 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.
Keweenaw Financial PB Ratio Related Terms
Keweenaw Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Keweenaw 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.
Keweenaw Financial PB Ratio Chart
Keweenaw Financial Annual Data
Trend
Dec21
Dec22
Dec23
Dec24
Dec25
PB Ratio
1.65
1.46
1.24
1.17
0.62
Keweenaw Financial Semi-Annual Data
Dec21
Dec22
Dec23
Dec24
Dec25
PB Ratio
1.65
1.46
1.24
1.17
0.62
KEFI vs OSBK, FFWC, NEFB: PB Ratio Comparison
For the Banks - Regional subindustry, Keweenaw 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.
Keweenaw Financial PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Keweenaw Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Keweenaw 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.
* 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.
Keweenaw Financial (KEFI) has a PB Ratio of 0.54 as of Aug. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Keweenaw Financial and its competitors. This is 54% below median its historical median of 1.17. Over the past decade, Keweenaw Financial's PB Ratio has ranged from 0.54 to 2.91. According to the industry distribution chart, Keweenaw Financial ranks #192 out of 1509 companies in the Banks industry, placing it in the top 12.7%.
Is Keweenaw Financial's PB Ratio too high?
Keweenaw Financial's current PB Ratio of 0.54 is 54% below median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 2.91. The Banks industry median PB Ratio is 1.12. Keweenaw Financial's value of 0.54 is 51.8% below this industry median. Based on the distribution chart, Keweenaw Financial ranks #192 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Keweenaw Financial has a GF Score™ of 40/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Keweenaw Financial's PB Ratio compare to OSBK and FFWC?
According to the Banks industry distribution chart, Keweenaw Financial ranks #192 out of 1509 companies for PB Ratio. This places Keweenaw Financial in the top 13% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. Keweenaw Financial's value of 0.54 is 51.8% below this benchmark. Historically, Keweenaw Financial's own PB Ratio has ranged from 0.54 to 2.91 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 1.12, Keweenaw 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 1.12, based on 1,509 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. Keweenaw Financial's current PB Ratio of 0.54 is 51.8% 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 Keweenaw Financial 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. Keweenaw Financial's current PB Ratio is 0.54, which is 54% below median its own 10-year median of 1.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Keweenaw Financial stock overvalued right now?
Based on GuruFocus' analysis, Keweenaw Financial (KEFI) is currently considered Significantly Undervalued. The stock's GF Value™ is $95.45, compared to a current price of $48.00 — trading 49.7% below its estimated fair value. The current PB Ratio is 0.54, which is 54% below median its 10-year median of 1.17 and 51.8% below the Banks industry median of 1.12. Keweenaw Financial's overall GF Score™ is 40/100 with 1 warning sign 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 Keweenaw Financial (KEFI), the current PB Ratio is 0.54 as of Aug. 28, 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 Keweenaw Financial (KEFI) Overvalued in 2026?
Based on GuruFocus' analysis, Keweenaw Financial stock appears to be undervalued.
The current stock price of $48.00 is trading 49.7% below its estimated GF Value™ of $95.45.
GuruFocus considers Keweenaw Financial to be Significantly Undervalued.
Key valuation signals for KEFI:
PB Ratio: 0.54 (54% below median its 10-year median of 1.17)
GF Value™: $95.45 vs. price of $48.00 (49.7% below fair value)
Industry Position: 51.8% below the Banks median (#192 of 1509)
No single metric tells the full story. See the KEFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Keweenaw Financial Corp provides a range of financial and trust services to individual and corporate customers. The Bank offers traditional banking products and services, including ATMs, online and telephone banking, and automated bill payment, along with commercial, real estate, and consumer lending. Its offerings also include various loan products, deposit accounts, online and mobile banking, investment management, retirement planning, credit and debit cards, safe deposit boxes, and other related financial services.
40GF Score
Get the complete analysis for KEFI
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KEFI has been successfully added to your 
