OSB GroupLSE:OSB -0.65%74 PB Ratio is 0.83 as of Jun. 27, 2026, which is 31% below its 10-year median of 1.20. GuruFocus rates LSE:OSB with a GF Score™ of 74/100 and a GF Value™ of £5.14 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,516 Banks companies, OSB Group ranks better than 71.17% 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 (2026-06-27), OSB Group's share price is £5.35. OSB Group's Book Value per Share for the quarter that ended in Dec. 2025 was £6.46. Hence, OSB Group's PB Ratio of today is 0.83.
Good Sign:
OSB Group PLC stock PB Ratio (=0.82) is close to 1-year low of 0.76.
The historical rank and industry rank for OSB Group's PB Ratio or its related term are showing as below:
LSE:OSB'
s PB Ratio Range Over the Past 10 Years
Min: 0.58 Med: 1.2 Max: 2.73
Current: 0.82
During the past 13 years, OSB Group's highest PB Ratio was 2.73. The lowest was 0.58. And the median was 1.20.
LSE:OSB's PB Ratio is ranked better than 71.17% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs LSE:OSB: 0.82
During the past 12 months, OSB Group's average Book Value Per Share Growth Rate was 8.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 16.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of OSB Group was 40.30% per year. The lowest was 8.00% per year. And the median was 20.80% 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.
OSB Group PB Ratio Related Terms
OSB Group PB Ratio Historical Data
* Premium members only.
The historical data trend for OSB Group'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 Mortgage Finance subindustry, OSB Group'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.
OSB Group PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, OSB Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where OSB Group'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.
OSB Group'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.
OSB Group (LSE:OSB) has a PB Ratio of 0.83 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on OSB Group and its competitors. This is 31% below median its historical median of 1.20. Over the past decade, OSB Group's PB Ratio has ranged from 0.58 to 2.73. According to the industry distribution chart, OSB Group ranks #437 out of 1516 companies in the Banks industry, placing it in the top 28.8%.
Is OSB Group's PB Ratio too high?
OSB Group's current PB Ratio of 0.83 is 31% below median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 2.73. The Banks industry median PB Ratio is 1.09. OSB Group's value of 0.83 is 23.9% below this industry median. Based on the distribution chart, OSB Group ranks #437 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, OSB Group has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does OSB Group's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, OSB Group ranks #437 out of 1516 companies for PB Ratio. This puts OSB Group in the upper half of its industry. The industry median PB Ratio is 1.09. OSB Group's value of 0.83 is 23.9% below this benchmark. Historically, OSB Group's own PB Ratio has ranged from 0.58 to 2.73 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 1.09, OSB Group 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 1.09, 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. OSB Group's current PB Ratio of 0.83 is 23.9% 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 OSB Group 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. OSB Group's current PB Ratio is 0.83, which is 31% below median its own 10-year median of 1.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OSB Group stock overvalued right now?
Based on GuruFocus' analysis, OSB Group (LSE:OSB) is currently considered Fairly Valued. The stock's GF Value™ is £5.14, compared to a current price of £5.35 — trading 4.1% above its estimated fair value. The current PB Ratio is 0.83, which is 31% below median its 10-year median of 1.20 and 23.9% below the Banks industry median of 1.09. OSB Group's overall GF Score™ is 74/100 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 OSB Group (LSE:OSB), the current PB Ratio is 0.83 as of Jun. 27, 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 OSB Group (LSE:OSB) Overvalued in 2026?
Based on GuruFocus' analysis, OSB Group stock appears to be overvalued.
The current stock price of £5.35 is trading 4.1% above its estimated GF Value™ of £5.14.
GuruFocus considers OSB Group to be Fairly Valued.
Key valuation signals for LSE:OSB:
PB Ratio: 0.83 (31% below median its 10-year median of 1.20)
GF Value™: £5.14 vs. price of £5.35 (4.1% above fair value)
Industry Position: 23.9% below the Banks median (#437 of 1516)
No single metric tells the full story. See the LSE:OSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OSB Group PLC is a specialist mortgage lender, focused on selected sub-segments of the mortgage market. Its lending business is supported by various funding platforms, including retail savings deposits sourced under two brands: Kent Reliance and Charter Savings Bank (CSB), securitisation platforms, debt issuance, and Bank of England schemes. The Group operates under two segments: OneSavings Bank (OSB) and Charter Court Financial Services (CCFS). The majority of its revenue is generated from the OSB segment, which includes first charge residential mortgages for owner-occupiers, under shared ownership schemes, Buy-to-Let mortgages secured on residential property held for investment purposes by landlords, and commercial mortgages secured on commercial and semi-commercial properties.
74GF Score
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