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.
SJF Bank ASLTS:0RD0 -0.36%67 PB Ratio is 1.32 as of Jul. 29, 2026, which is 97% above its 10-year median of 0.67. GuruFocus rates LTS:0RD0 with a GF Score™ of 67/100 and a GF Value™ of kr259.99 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,515 Banks companies, SJF Bank AS ranks worse than 63.83% 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 (2026-07-29), SJF Bank AS's share price is kr415.00. SJF Bank AS's Book Value per Share for the quarter that ended in Mar. 2026 was kr314.87. Hence, SJF Bank AS's PB Ratio of today is 1.32.
Warning Sign:
SJF Bank A/S stock PB Ratio (=1.32) is close to 10-year high of 1.32.
The historical rank and industry rank for SJF Bank AS's PB Ratio or its related term are showing as below:
LTS:0RD0'
s PB Ratio Range Over the Past 10 Years
Min: 0.39 Med: 0.67 Max: 1.32
Current: 1.3
During the past 13 years, SJF Bank AS's highest PB Ratio was 1.32. The lowest was 0.39. And the median was 0.67.
LTS:0RD0's PB Ratio is ranked worse than 63.83% of 1515
companies
in the Banks industry
Industry Median: 1.12
vs LTS:0RD0: 1.30
During the past 12 months, SJF Bank AS's average Book Value Per Share Growth Rate was 9.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of SJF Bank AS was 19.50% per year. The lowest was -3.30% per year. And the median was 8.50% 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.
SJF Bank AS PB Ratio Related Terms
SJF Bank AS PB Ratio Historical Data
* Premium members only.
The historical data trend for SJF Bank 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, SJF Bank 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.
SJF Bank AS PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SJF Bank AS's PB Ratio distribution charts can be found below:
* The bar in red indicates where SJF Bank 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.
SJF Bank AS'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.
SJF Bank AS (LTS:0RD0) has a PB Ratio of 1.32 as of Jul. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SJF Bank AS and its competitors. This is 97% above median its historical median of 0.67. Over the past decade, SJF Bank AS's PB Ratio has ranged from 0.39 to 1.32. According to the industry distribution chart, SJF Bank AS ranks #967 out of 1515 companies in the Banks industry, placing it in the top 63.8%.
Is SJF Bank AS's PB Ratio too high?
SJF Bank AS's current PB Ratio of 1.32 is 97% above median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.32. The Banks industry median PB Ratio is 1.12. SJF Bank AS's value of 1.32 is 17.9% above this industry median. Based on the distribution chart, SJF Bank AS ranks #967 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, SJF Bank AS has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SJF Bank AS's PB Ratio compare to competitors?
According to the Banks industry distribution chart, SJF Bank AS ranks #967 out of 1515 companies for PB Ratio. This places SJF Bank AS in the lower half of its industry. The industry median PB Ratio is 1.12. SJF Bank AS's value of 1.32 is 17.9% above this benchmark. Historically, SJF Bank AS's own PB Ratio has ranged from 0.39 to 1.32 over the past decade. While the company's 10-year median is 0.67 vs. the industry median of 1.12, SJF Bank 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 1.12, 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. SJF Bank AS's current PB Ratio of 1.32 is 17.9% 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 SJF Bank AS 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. SJF Bank AS's current PB Ratio is 1.32, which is 97% above median its own 10-year median of 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SJF Bank AS stock overvalued right now?
Based on GuruFocus' analysis, SJF Bank AS (LTS:0RD0) is currently considered Significantly Overvalued. The stock's GF Value™ is kr259.99, compared to a current price of kr415.00 — trading 59.6% above its estimated fair value. The current PB Ratio is 1.32, which is 97% above median its 10-year median of 0.67 and 17.9% above the Banks industry median of 1.12. SJF Bank AS's overall GF Score™ is 67/100 with 8 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 SJF Bank AS (LTS:0RD0), the current PB Ratio is 1.32 as of Jul. 29, 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 SJF Bank AS (LTS:0RD0) Overvalued in 2026?
Based on GuruFocus' analysis, SJF Bank AS stock appears to be overvalued.
The current stock price of kr415.00 is trading 59.6% above its estimated GF Value™ of kr259.99.
GuruFocus considers SJF Bank AS to be Significantly Overvalued.
Key valuation signals for LTS:0RD0:
PB Ratio: 1.32 (97% above median its 10-year median of 0.67)
GF Value™: kr259.99 vs. price of kr415.00 (59.6% above fair value)
Industry Position: 17.9% above the Banks median (#967 of 1515)
No single metric tells the full story. See the LTS:0RD0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SJF Bank A/S provides banking products and services in Denmark. Its products and services include net banking, commercial insurance, mobile banking, rental of commercial lease, financing, insurance and pension.
67GF Score
Get the complete analysis for LTS:0RD0
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
LTS:0RD0 has been successfully added to your 
