Komercni Banka ASKMERF 58 PB Ratio is 1.44 as of Jun. 30, 2026, which is 1% above its 10-year median of 1.43. GuruFocus rates KMERF with a GF Score™ of 58/100 and a GF Value™ of $48.62. The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Komercni Banka AS ranks worse than 73.93% on this metric.
Komercni Banka AS stock PB Ratio (=1.4) is close to 1-year low of 1.4.
The historical rank and industry rank for Komercni Banka AS's PB Ratio or its related term are showing as below:
KMERF'
s PB Ratio Range Over the Past 10 Years
Min: 0.8 Med: 1.43 Max: 1.99
Current: 1.2
During the past 13 years, Komercni Banka AS's highest PB Ratio was 1.99. The lowest was 0.80. And the median was 1.43.
KMERF's PB Ratio is ranked worse than 73.93% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs KMERF: 1.20
During the past 12 months, Komercni Banka AS's average Book Value Per Share Growth Rate was 1.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.60% 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 3.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Komercni Banka AS was 14.70% per year. The lowest was -3.90% per year. And the median was 5.60% per year.
Back to Basics: PB Ratio
Komercni Banka AS (OTCPK:KMERF) 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.
Komercni Banka AS PB Ratio Related Terms
Komercni Banka AS PB Ratio Historical Data
* Premium members only.
The historical data trend for Komercni Banka AS'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, Komercni Banka AS'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.
Komercni Banka AS PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Komercni Banka AS's PB Ratio distribution charts can be found below:
* The bar in red indicates where Komercni Banka AS'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.
Komercni Banka AS (KMERF) has a PB Ratio of 1.44 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Komercni Banka AS and its competitors. This is near median its historical median of 1.43. Over the past decade, Komercni Banka AS's PB Ratio has ranged from 0.80 to 1.99. According to the industry distribution chart, Komercni Banka AS ranks #1123 out of 1519 companies in the Banks industry, placing it in the top 73.9%.
Is Komercni Banka AS's PB Ratio too high?
Komercni Banka AS's current PB Ratio of 1.44 is near median its 10-year median of 1.43. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 1.99. The Banks industry median PB Ratio is 1.09. Komercni Banka AS's value of 1.44 is 32.1% above this industry median. Based on the distribution chart, Komercni Banka AS ranks #1123 out of 1519 companies in the Banks industry, which is below the industry midpoint. Overall, Komercni Banka AS has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Komercni Banka AS's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Komercni Banka AS ranks #1123 out of 1519 companies for PB Ratio. This places Komercni Banka AS in the lower half of its industry. The industry median PB Ratio is 1.09. Komercni Banka AS's value of 1.44 is 32.1% above this benchmark. Historically, Komercni Banka AS's own PB Ratio has ranged from 0.80 to 1.99 over the past decade. While the company's 10-year median is 1.43 vs. the industry median of 1.09, Komercni Banka AS has consistently been above 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. Komercni Banka AS's current PB Ratio of 1.44 is 32.1% above 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 Komercni Banka AS 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. Komercni Banka AS's current PB Ratio is 1.44, which is near median its own 10-year median of 1.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercni Banka AS stock overvalued right now?
Komercni Banka AS (KMERF) has a current PB Ratio of 1.44. The stock's GF Value™ is $48.62, compared to a current price of $47.23 — trading 2.9% below its estimated fair value. The current PB Ratio is 1.44, which is near median its 10-year median of 1.43 and 32.1% above the Banks industry median of 1.09. Komercni Banka AS's overall GF Score™ is 58/100 with 4 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 Komercni Banka AS (KMERF), the current PB Ratio is 1.44 as of Jun. 30, 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 Komercni Banka AS (KMERF) Overvalued in 2026?
Based on GuruFocus' analysis, Komercni Banka AS stock appears to be undervalued.
The current stock price of $47.23 is trading 2.9% below its estimated GF Value™ of $48.62.
Key valuation signals for KMERF:
PB Ratio: 1.44 (near median its 10-year median of 1.43)
GF Value™: $48.62 vs. price of $47.23 (2.9% below fair value)
Industry Position: 32.1% above the Banks median (#1123 of 1519)
No single metric tells the full story. See the KMERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercni Banka AS is a universal bank providing a wide range of retail, corporate, and investment banking activities. These activities are complemented by other specialized services, including pension insurance, building savings, leasing, factoring, consumer loans, insurance, and services of fintech companies. The Group has the following operating segments: i) Retail Banking: includes the provision of products and services to individuals, ii) Corporate Banking: includes the provision of products and services to corporate entities, iii) Investment Banking: involves trading in financial instruments; and iv) Other: consists of the head office of the Bank. The majority of the revenue is derived from the Retail banking segment.
58GF Score
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