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MNB HoldingsMNBO 32 PB Ratio is 0.96 as of Aug. 29, 2026, which is 37% above its 10-year median of 0.70. GuruFocus rates MNBO with a GF Score™ of 32/100 and a GF Value™ of $22.95. The stock has 5 warning signs investors should review. Among 1,509 Banks companies, MNB Holdings ranks better than 63.42% 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 (2026-08-29), MNB Holdings's share price is $56.30. MNB Holdings's Book Value per Share for the quarter that ended in Dec. 2025 was $58.48. Hence, MNB Holdings's PB Ratio of today is 0.96.
Warning Sign:
MNB Holdings Corp stock PB Ratio (=0.96) is close to 5-year high of 0.96.
The historical rank and industry rank for MNB Holdings's PB Ratio or its related term are showing as below:
MNBO'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.7 Max: 1.08
Current: 0.96
During the past 13 years, MNB Holdings's highest PB Ratio was 1.08. The lowest was 0.34. And the median was 0.70.
MNBO's PB Ratio is ranked better than 63.42% of 1509
companies
in the Banks industry
Industry Median: 1.12
vs MNBO: 0.96
During the past 12 months, MNB Holdings's average Book Value Per Share Growth Rate was -0.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -1.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of MNB Holdings was 39.80% per year. The lowest was -2.50% per year. And the median was 8.25% 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.
MNB Holdings PB Ratio Related Terms
MNB Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for MNB Holdings'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, MNB Holdings'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.
MNB Holdings PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, MNB Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where MNB Holdings'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.
MNB Holdings'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.
MNB Holdings (MNBO) has a PB Ratio of 0.96 as of Aug. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on MNB Holdings and its competitors. This is 37% above median its historical median of 0.70. Over the past decade, MNB Holdings' PB Ratio has ranged from 0.34 to 1.08. According to the industry distribution chart, MNB Holdings ranks #552 out of 1509 companies in the Banks industry, placing it in the top 36.6%.
Is MNB Holdings' PB Ratio too high?
MNB Holdings' current PB Ratio of 0.96 is 37% above median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 1.08. The Banks industry median PB Ratio is 1.12. MNB Holdings' value of 0.96 is 14.3% below this industry median. Based on the distribution chart, MNB Holdings ranks #552 out of 1509 companies in the Banks industry, which is above the industry midpoint. Overall, MNB Holdings has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does MNB Holdings' PB Ratio compare to GTPS and CAIB?
According to the Banks industry distribution chart, MNB Holdings ranks #552 out of 1509 companies for PB Ratio. This puts MNB Holdings in the upper half of its industry. The industry median PB Ratio is 1.12. MNB Holdings' value of 0.96 is 14.3% below this benchmark. Historically, MNB Holdings' own PB Ratio has ranged from 0.34 to 1.08 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 1.12, MNB Holdings 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 1.12, based on 1,509 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. MNB Holdings's current PB Ratio of 0.96 is 14.3% 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 MNB Holdings 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. MNB Holdings's current PB Ratio is 0.96, which is 37% above median its own 10-year median of 0.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MNB Holdings stock overvalued right now?
MNB Holdings (MNBO) has a current PB Ratio of 0.96. The stock's GF Value™ is $22.95, compared to a current price of $56.30 — trading 145.3% above its estimated fair value. The current PB Ratio is 0.96, which is 37% above median its 10-year median of 0.70 and 14.3% below the Banks industry median of 1.12. MNB Holdings' overall GF Score™ is 32/100 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 MNB Holdings (MNBO), the current PB Ratio is 0.96 as of Aug. 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 MNB Holdings (MNBO) Overvalued in 2026?
Based on GuruFocus' analysis, MNB Holdings stock appears to be overvalued.
The current stock price of $56.30 is trading 145.3% above its estimated GF Value™ of $22.95.
Key valuation signals for MNBO:
PB Ratio: 0.96 (37% above median its 10-year median of 0.70)
GF Value™: $22.95 vs. price of $56.30 (145.3% above fair value)
Industry Position: 14.3% below the Banks median (#552 of 1509)
No single metric tells the full story. See the MNBO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
32GF Score
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