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Main Street Financial ServicesMSWV 59 PB Ratio is 1.30 as of Jul. 31, 2026, which is 12% above its 10-year median of 1.16. GuruFocus rates MSWV with a GF Score™ of 59/100 and a GF Value™ of $17.94 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,515 Banks companies, Main Street Financial Services ranks worse than 64.49% on this metric.
Main Street Financial Services Corp stock PB Ratio (=1.31) is close to 3-year high of 1.45.
The historical rank and industry rank for Main Street Financial Services's PB Ratio or its related term are showing as below:
MSWV'
s PB Ratio Range Over the Past 10 Years
Min: 0.4 Med: 1.16 Max: 1.7
Current: 1.3
During the past 9 years, Main Street Financial Services's highest PB Ratio was 1.70. The lowest was 0.40. And the median was 1.16.
MSWV's PB Ratio is ranked worse than 64.49% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs MSWV: 1.30
During the past 12 months, Main Street Financial Services's average Book Value Per Share Growth Rate was 18.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.30% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Main Street Financial Services was 9.70% per year. The lowest was 0.10% per year. And the median was 5.20% 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.
Main Street Financial Services PB Ratio Related Terms
Main Street Financial Services PB Ratio Historical Data
* 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, Main Street Financial Services'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.
Main Street Financial Services PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Main Street Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Main Street Financial Services's PB Ratio falls into.
Main Street Financial Services PB Ratio Calculation
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.
* 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.
Main Street Financial Services (MSWV) has a PB Ratio of 1.30 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 Main Street Financial Services and its competitors. This is 12% above median its historical median of 1.16. Over the past decade, Main Street Financial Services' PB Ratio has ranged from 0.40 to 1.70. According to the industry distribution chart, Main Street Financial Services ranks #977 out of 1515 companies in the Banks industry, placing it in the top 64.5%.
Is Main Street Financial Services' PB Ratio too high?
Main Street Financial Services' current PB Ratio of 1.30 is 12% above median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.70. The Banks industry median PB Ratio is 1.11. Main Street Financial Services' value of 1.30 is 17.1% above this industry median. Based on the distribution chart, Main Street Financial Services ranks #977 out of 1515 companies in the Banks industry, which is below the industry midpoint. Overall, Main Street Financial Services has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Main Street Financial Services' PB Ratio compare to SBKO and PLQC?
According to the Banks industry distribution chart, Main Street Financial Services ranks #977 out of 1515 companies for PB Ratio. This places Main Street Financial Services in the lower half of its industry. The industry median PB Ratio is 1.11. Main Street Financial Services' value of 1.30 is 17.1% above this benchmark. Historically, Main Street Financial Services' own PB Ratio has ranged from 0.40 to 1.70 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.11, Main Street Financial Services 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. Main Street Financial Services's current PB Ratio of 1.30 is 17.1% 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 Main Street Financial Services 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. Main Street Financial Services's current PB Ratio is 1.30, which is 12% above median its own 10-year median of 1.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Main Street Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Main Street Financial Services (MSWV) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.94, compared to a current price of $22.95 — trading 27.9% above its estimated fair value. The current PB Ratio is 1.30, which is 12% above median its 10-year median of 1.16 and 17.1% above the Banks industry median of 1.11. Main Street Financial Services' overall GF Score™ is 59/100 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 Main Street Financial Services (MSWV), the current PB Ratio is 1.30 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 Main Street Financial Services (MSWV) Overvalued in 2026?
Based on GuruFocus' analysis, Main Street Financial Services stock appears to be overvalued.
The current stock price of $22.95 is trading 27.9% above its estimated GF Value™ of $17.94.
GuruFocus considers Main Street Financial Services to be Modestly Overvalued.
Key valuation signals for MSWV:
PB Ratio: 1.30 (12% above median its 10-year median of 1.16)
GF Value™: $17.94 vs. price of $22.95 (27.9% above fair value)
Industry Position: 17.1% above the Banks median (#977 of 1515)
No single metric tells the full story. See the MSWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Main Street Financial Services Corp is a U.S based community bank. The company's primary deposit products are checking, savings, money market and term certificate accounts. It primary lending products are residential mortgage, commercial and installment loans.
59GF Score
Get the complete analysis for MSWV
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