Mercer BancorpMSBB +0.03%35 PB Ratio is 0.79 as of Jun. 27, 2026, which is 27% above its 10-year median of 0.62. GuruFocus rates MSBB with a GF Score™ of 35/100 and a GF Value™ of $16.89 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,516 Banks companies, Mercer Bancorp ranks better than 73.81% 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), Mercer Bancorp's share price is $19.56. Mercer Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $24.78. Hence, Mercer Bancorp's PB Ratio of today is 0.79.
Warning Sign:
Mercer Bancorp Inc stock PB Ratio (=0.79) is close to 2-year high of 0.79.
The historical rank and industry rank for Mercer Bancorp's PB Ratio or its related term are showing as below:
MSBB'
s PB Ratio Range Over the Past 10 Years
Min: 0.51 Med: 0.62 Max: 0.98
Current: 0.79
During the past 4 years, Mercer Bancorp's highest PB Ratio was 0.98. The lowest was 0.51. And the median was 0.62.
MSBB's PB Ratio is ranked better than 73.81% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs MSBB: 0.79
During the past 12 months, Mercer Bancorp's average Book Value Per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.40% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Mercer Bancorp was 20.40% per year. The lowest was 20.40% per year. And the median was 20.40% 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.
Mercer Bancorp PB Ratio Related Terms
Mercer Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Mercer Bancorp'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, Mercer Bancorp'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.
Mercer Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mercer Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mercer Bancorp'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.
Mercer Bancorp'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.
Mercer Bancorp (MSBB) has a PB Ratio of 0.79 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 Mercer Bancorp and its competitors. This is 27% above median its historical median of 0.62. Over the past decade, Mercer Bancorp's PB Ratio has ranged from 0.51 to 0.98. According to the industry distribution chart, Mercer Bancorp ranks #397 out of 1516 companies in the Banks industry, placing it in the top 26.2%.
Is Mercer Bancorp's PB Ratio too high?
Mercer Bancorp's current PB Ratio of 0.79 is 27% above median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 0.98. The Banks industry median PB Ratio is 1.09. Mercer Bancorp's value of 0.79 is 27.5% below this industry median. Based on the distribution chart, Mercer Bancorp ranks #397 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Mercer Bancorp has a GF Score™ of 35/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mercer Bancorp's PB Ratio compare to FLEW and JTNB?
According to the Banks industry distribution chart, Mercer Bancorp ranks #397 out of 1516 companies for PB Ratio. This puts Mercer Bancorp in the upper half of its industry. The industry median PB Ratio is 1.09. Mercer Bancorp's value of 0.79 is 27.5% below this benchmark. Historically, Mercer Bancorp's own PB Ratio has ranged from 0.51 to 0.98 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 1.09, Mercer Bancorp 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. Mercer Bancorp's current PB Ratio of 0.79 is 27.5% 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 Mercer Bancorp 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. Mercer Bancorp's current PB Ratio is 0.79, which is 27% above median its own 10-year median of 0.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mercer Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mercer Bancorp (MSBB) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.89, compared to a current price of $19.56 — trading 15.8% above its estimated fair value. The current PB Ratio is 0.79, which is 27% above median its 10-year median of 0.62 and 27.5% below the Banks industry median of 1.09. Mercer Bancorp's overall GF Score™ is 35/100 with 3 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 Mercer Bancorp (MSBB), the current PB Ratio is 0.79 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 Mercer Bancorp (MSBB) Overvalued in 2026?
Based on GuruFocus' analysis, Mercer Bancorp stock appears to be overvalued.
The current stock price of $19.56 is trading 15.8% above its estimated GF Value™ of $16.89.
GuruFocus considers Mercer Bancorp to be Modestly Overvalued.
Key valuation signals for MSBB:
PB Ratio: 0.79 (27% above median its 10-year median of 0.62)
GF Value™: $16.89 vs. price of $19.56 (15.8% above fair value)
Industry Position: 27.5% below the Banks median (#397 of 1516)
No single metric tells the full story. See the MSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mercer Bancorp Inc operates as a full-service bank. It offers deposits, loans, and other services. The loan portfolio consists of residential mortgage loans secured by one- to four-family residential properties and agricultural real estate loans secured by farmland located in the primary market area. It also operates in multifamily real estate loans, commercial real estate loans, construction and land loans, home equity lines of credit, commercial and industrial loans, and consumer loans. Geographically, it operates in Mercer and Darke Counties in western Ohio and contiguous areas, including Adams and Jay Counties in eastern Indiana.
35GF Score
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