OTP BankLSE:OTPD 71 PB Ratio is 0.46 as of Jun. 26, 2026, which is 70% below its 10-year median of 1.51. GuruFocus rates LSE:OTPD with a GF Score™ of 71/100 and a GF Value™ of $13.84 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,515 Banks companies, OTP Bank ranks worse than 88.38% 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 (2026-06-26), OTP Bank's share price is $17.00. OTP Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $37.36. Hence, OTP Bank's PB Ratio of today is 0.46.
Warning Sign:
OTP Bank PLC stock PB Ratio (=1.93) is close to 10-year high of 2.01.
The historical rank and industry rank for OTP Bank's PB Ratio or its related term are showing as below:
LSE:OTPD'
s PB Ratio Range Over the Past 10 Years
Min: 0.62 Med: 1.51 Max: 2.01
Current: 1.93
During the past 13 years, OTP Bank's highest PB Ratio was 2.01. The lowest was 0.62. And the median was 1.51.
LSE:OTPD's PB Ratio is ranked worse than 88.38% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs LSE:OTPD: 1.93
During the past 12 months, OTP Bank's average Book Value Per Share Growth Rate was 13.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 21.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 19.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 17.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of OTP Bank was 98.60% per year. The lowest was -14.40% per year. And the median was 14.95% 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.
OTP Bank PB Ratio Related Terms
OTP Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for OTP Bank'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, OTP Bank'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.
OTP Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, OTP Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where OTP Bank'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.
OTP Bank'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.
OTP Bank (LSE:OTPD) has a PB Ratio of 0.46 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on OTP Bank and its competitors. This is 70% below median its historical median of 1.51. Over the past decade, OTP Bank's PB Ratio has ranged from 0.62 to 2.01. According to the industry distribution chart, OTP Bank ranks #1339 out of 1515 companies in the Banks industry, placing it in the top 88.4%.
Is OTP Bank's PB Ratio too high?
OTP Bank's current PB Ratio of 0.46 is 70% below median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 2.01. The Banks industry median PB Ratio is 1.08. OTP Bank's value of 0.46 is 57.4% below this industry median. Based on the distribution chart, OTP Bank ranks #1339 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, OTP Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OTP Bank's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, OTP Bank ranks #1339 out of 1515 companies for PB Ratio. This places OTP Bank in the lower half of its industry. The industry median PB Ratio is 1.08. OTP Bank's value of 0.46 is 57.4% below this benchmark. Historically, OTP Bank's own PB Ratio has ranged from 0.62 to 2.01 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 1.08, OTP Bank 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. OTP Bank's current PB Ratio of 0.46 is 57.4% 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 OTP Bank 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. OTP Bank's current PB Ratio is 0.46, which is 70% below median its own 10-year median of 1.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OTP Bank stock overvalued right now?
Based on GuruFocus' analysis, OTP Bank (LSE:OTPD) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.84, compared to a current price of $17.00 — trading 22.8% above its estimated fair value. The current PB Ratio is 0.46, which is 70% below median its 10-year median of 1.51 and 57.4% below the Banks industry median of 1.08. OTP Bank's overall GF Score™ is 71/100 with 5 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 OTP Bank (LSE:OTPD), the current PB Ratio is 0.46 as of Jun. 26, 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 OTP Bank (LSE:OTPD) Overvalued in 2026?
Based on GuruFocus' analysis, OTP Bank stock appears to be overvalued.
The current stock price of $17.00 is trading 22.8% above its estimated GF Value™ of $13.84.
GuruFocus considers OTP Bank to be Modestly Overvalued.
Key valuation signals for LSE:OTPD:
PB Ratio: 0.46 (70% below median its 10-year median of 1.51)
GF Value™: $13.84 vs. price of $17.00 (22.8% above fair value)
Industry Position: 57.4% below the Banks median (#1339 of 1515)
No single metric tells the full story. See the LSE:OTPD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OTP Bank PLC provides universal financial services through several subsidiaries. It performs banking operations via its bank in Hungary. The Group's operating segments are as follows: OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Uzbekistan, Merkantil Group, Asset Management subsidiaries, other subsidiaries, and Corporate Centre. The Bank provides comprehensive banking & other financial services to both retail & corporate customers: its activities include deposit collection from customers, raising money from the money & capital markets. It also offers mortgage loans, consumer credits, working capital & investment loans to companies and municipalities. A majority of the bank's net revenue is net interest income.
71GF Score
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