Kiatnakin Phatra Bank PCLKNFSF 49 PB Ratio is 0.52 as of Jun. 25, 2026, which is 50% below its 10-year median of 1.04. GuruFocus rates KNFSF with a GF Score™ of 49/100 and a GF Value™ of $0.83. The stock has 6 warning signs investors should review. Among 1,515 Banks companies, Kiatnakin Phatra Bank PCL ranks worse than 56.83% on this metric.
Kiatnakin Phatra Bank PCL stock PB Ratio (=1.13) is close to 5-year high of 1.19.
The historical rank and industry rank for Kiatnakin Phatra Bank PCL's PB Ratio or its related term are showing as below:
KNFSF'
s PB Ratio Range Over the Past 10 Years
Min: 0.52 Med: 1.04 Max: 1.72
Current: 1.13
During the past 13 years, Kiatnakin Phatra Bank PCL's highest PB Ratio was 1.72. The lowest was 0.52. And the median was 1.04.
KNFSF's PB Ratio is ranked worse than 56.83% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs KNFSF: 1.13
During the past 12 months, Kiatnakin Phatra Bank PCL's average Book Value Per Share Growth Rate was 5.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Kiatnakin Phatra Bank PCL was 9.60% per year. The lowest was 0.20% per year. And the median was 4.80% per year.
Back to Basics: PB Ratio
Kiatnakin Phatra Bank PCL (OTCPK:KNFSF) 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.
Kiatnakin Phatra Bank PCL PB Ratio Related Terms
Kiatnakin Phatra Bank PCL PB Ratio Historical Data
* 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, Kiatnakin Phatra Bank PCL'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.
Kiatnakin Phatra Bank PCL PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Kiatnakin Phatra Bank PCL's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kiatnakin Phatra Bank PCL'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.
Kiatnakin Phatra Bank PCL (KNFSF) has a PB Ratio of 0.52 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 Kiatnakin Phatra Bank PCL and its competitors. This is 50% below median its historical median of 1.04. Over the past decade, Kiatnakin Phatra Bank PCL's PB Ratio has ranged from 0.52 to 1.72. According to the industry distribution chart, Kiatnakin Phatra Bank PCL ranks #861 out of 1515 companies in the Banks industry, placing it in the top 56.8%.
Is Kiatnakin Phatra Bank PCL's PB Ratio too high?
Kiatnakin Phatra Bank PCL's current PB Ratio of 0.52 is 50% below median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 1.72. The Banks industry median PB Ratio is 1.08. Kiatnakin Phatra Bank PCL's value of 0.52 is 51.9% below this industry median. Based on the distribution chart, Kiatnakin Phatra Bank PCL ranks #861 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, Kiatnakin Phatra Bank PCL has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Kiatnakin Phatra Bank PCL's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Kiatnakin Phatra Bank PCL ranks #861 out of 1515 companies for PB Ratio. This places Kiatnakin Phatra Bank PCL in the lower half of its industry. The industry median PB Ratio is 1.08. Kiatnakin Phatra Bank PCL's value of 0.52 is 51.9% below this benchmark. Historically, Kiatnakin Phatra Bank PCL's own PB Ratio has ranged from 0.52 to 1.72 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.08, Kiatnakin Phatra Bank PCL 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 1,515 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. Kiatnakin Phatra Bank PCL's current PB Ratio of 0.52 is 51.9% 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 Kiatnakin Phatra Bank PCL 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. Kiatnakin Phatra Bank PCL's current PB Ratio is 0.52, which is 50% below median its own 10-year median of 1.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kiatnakin Phatra Bank PCL stock overvalued right now?
Kiatnakin Phatra Bank PCL (KNFSF) has a current PB Ratio of 0.52. The stock's GF Value™ is $0.83, compared to a current price of $1.32 — trading 59% above its estimated fair value. The current PB Ratio is 0.52, which is 50% below median its 10-year median of 1.04 and 51.9% below the Banks industry median of 1.08. Kiatnakin Phatra Bank PCL's overall GF Score™ is 49/100 with 6 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 Kiatnakin Phatra Bank PCL (KNFSF), the current PB Ratio is 0.52 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 Kiatnakin Phatra Bank PCL (KNFSF) Overvalued in 2026?
Based on GuruFocus' analysis, Kiatnakin Phatra Bank PCL stock appears to be overvalued.
The current stock price of $1.32 is trading 59% above its estimated GF Value™ of $0.83.
Key valuation signals for KNFSF:
PB Ratio: 0.52 (50% below median its 10-year median of 1.04)
GF Value™: $0.83 vs. price of $1.32 (59% above fair value)
Industry Position: 51.9% below the Banks median (#861 of 1515)
No single metric tells the full story. See the KNFSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kiatnakin Phatra Bank PCL provides banking business through its branch network in Thailand. The company's operating segments include the Commercial Banking Business: consists of all commercial banking business and KKP Tower Co., Ltd., except for the Debt restructuring segment; Capital Market Business, which consists of KKP Capital PCL., Kiatnakin Phatra Securities PCL., Kiatnakin Phatra Asset Management Co., Ltd., and KKP DIME Securities Co., Ltd.; and Debt Restructuring Segment. The majority of the company's revenue is derived from the Commercial Banking Business segment.
49GF Score
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