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Mission BancorpMSBC 71 PB Ratio is 1.50 as of Jul. 31, 2026, which is 7% above its 10-year median of 1.40. GuruFocus rates MSBC with a GF Score™ of 71/100 and a GF Value™ of $92.86 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,515 Banks companies, Mission Bancorp ranks worse than 76.17% 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 (2026-07-31), Mission Bancorp's share price is $112.00. Mission Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $74.56. Hence, Mission Bancorp's PB Ratio of today is 1.50.
The historical rank and industry rank for Mission Bancorp's PB Ratio or its related term are showing as below:
MSBC'
s PB Ratio Range Over the Past 10 Years
Min: 1.19 Med: 1.4 Max: 1.77
Current: 1.5
During the past 13 years, Mission Bancorp's highest PB Ratio was 1.77. The lowest was 1.19. And the median was 1.40.
MSBC's PB Ratio is ranked worse than 76.17% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs MSBC: 1.50
During the past 12 months, Mission Bancorp's average Book Value Per Share Growth Rate was 10.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 19.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 26.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Mission Bancorp was 67.50% per year. The lowest was 14.00% per year. And the median was 22.30% 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.
Mission Bancorp PB Ratio Related Terms
Mission Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Mission 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, Mission 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.
Mission Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mission Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mission 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.
Mission 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.
Mission Bancorp (MSBC) has a PB Ratio of 1.50 as of Jul. 31, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mission Bancorp and its competitors. This is near median its historical median of 1.40. Over the past decade, Mission Bancorp's PB Ratio has ranged from 1.19 to 1.77. According to the industry distribution chart, Mission Bancorp ranks #1154 out of 1515 companies in the Banks industry, placing it in the top 76.2%.
Is Mission Bancorp's PB Ratio too high?
Mission Bancorp's current PB Ratio of 1.50 is near median its 10-year median of 1.40. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 1.77. The Banks industry median PB Ratio is 1.11. Mission Bancorp's value of 1.50 is 35.1% above this industry median. Based on the distribution chart, Mission Bancorp ranks #1154 out of 1515 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mission Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mission Bancorp's PB Ratio compare to TSBK and BCML?
According to the Banks industry distribution chart, Mission Bancorp ranks #1154 out of 1515 companies for PB Ratio. This places Mission Bancorp in the lower half of its industry. The industry median PB Ratio is 1.11. Mission Bancorp's value of 1.50 is 35.1% above this benchmark. Historically, Mission Bancorp's own PB Ratio has ranged from 1.19 to 1.77 over the past decade. While the company's 10-year median is 1.40 vs. the industry median of 1.11, Mission Bancorp 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 1.11, 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. Mission Bancorp's current PB Ratio of 1.50 is 35.1% 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 Mission Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mission Bancorp's current PB Ratio is 1.50, which is near median its own 10-year median of 1.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mission Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mission Bancorp (MSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $92.86, compared to a current price of $112.00 — trading 20.6% above its estimated fair value. The current PB Ratio is 1.50, which is near median its 10-year median of 1.40 and 35.1% above the Banks industry median of 1.11. Mission Bancorp's overall GF Score™ is 71/100 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 Mission Bancorp (MSBC), the current PB Ratio is 1.50 as of Jul. 31, 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 Mission Bancorp (MSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Mission Bancorp stock appears to be overvalued.
The current stock price of $112.00 is trading 20.6% above its estimated GF Value™ of $92.86.
GuruFocus considers Mission Bancorp to be Modestly Overvalued.
Key valuation signals for MSBC:
PB Ratio: 1.50 (near median its 10-year median of 1.40)
GF Value™: $92.86 vs. price of $112.00 (20.6% above fair value)
Industry Position: 35.1% above the Banks median (#1154 of 1515)
No single metric tells the full story. See the MSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mission Bancorp through its wholly owned subsidiary Mission Bank, is a single bank holding company. The company offers a full range of commercial banking services to the business and professional community and individuals. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers located in the California counties of Kern, Los Angeles, Ventura, San Luis Obispo, and San Joaquin.
71GF Score
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