Neffs BancorpNEFB 49 PB Ratio is 0.80 as of Jun. 28, 2026, which is 1% below its 10-year median of 0.81. GuruFocus rates NEFB with a GF Score™ of 49/100 and a GF Value™ of $274.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,519 Banks companies, Neffs Bancorp ranks better than 73.4% 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 (2026-06-28), Neffs Bancorp's share price is $395.00. Neffs Bancorp's Book Value per Share for the quarter that ended in Dec. 2025 was $491.32. Hence, Neffs Bancorp's PB Ratio of today is 0.80.
Warning Sign:
Neffs Bancorp Inc stock PB Ratio (=0.8) is close to 3-year high of 0.86.
The historical rank and industry rank for Neffs Bancorp's PB Ratio or its related term are showing as below:
NEFB'
s PB Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.81 Max: 1.5
Current: 0.8
During the past 13 years, Neffs Bancorp's highest PB Ratio was 1.50. The lowest was 0.41. And the median was 0.81.
NEFB's PB Ratio is ranked better than 73.4% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs NEFB: 0.80
During the past 12 months, Neffs Bancorp's average Book Value Per Share Growth Rate was 5.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Neffs Bancorp was 23.50% per year. The lowest was -1.10% per year. And the median was 5.85% 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.
Neffs Bancorp PB Ratio Related Terms
Neffs Bancorp PB Ratio Historical Data
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The historical data trend for Neffs 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, Neffs 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.
Neffs Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Neffs 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.
Neffs 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.
Neffs Bancorp (NEFB) has a PB Ratio of 0.80 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Neffs Bancorp and its competitors. This is near median its historical median of 0.81. Over the past decade, Neffs Bancorp's PB Ratio has ranged from 0.41 to 1.50. According to the industry distribution chart, Neffs Bancorp ranks #404 out of 1519 companies in the Banks industry, placing it in the top 26.6%.
Is Neffs Bancorp's PB Ratio too high?
Neffs Bancorp's current PB Ratio of 0.80 is near median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 1.50. The Banks industry median PB Ratio is 1.09. Neffs Bancorp's value of 0.80 is 26.6% below this industry median. Based on the distribution chart, Neffs Bancorp ranks #404 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Neffs Bancorp has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's PB Ratio compare to CEFC and LFGP?
According to the Banks industry distribution chart, Neffs Bancorp ranks #404 out of 1519 companies for PB Ratio. This puts Neffs Bancorp in the upper half of its industry. The industry median PB Ratio is 1.09. Neffs Bancorp's value of 0.80 is 26.6% below this benchmark. Historically, Neffs Bancorp's own PB Ratio has ranged from 0.41 to 1.50 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 1.09, Neffs 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 1,519 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. Neffs Bancorp's current PB Ratio of 0.80 is 26.6% 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 Neffs 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. Neffs Bancorp's current PB Ratio is 0.80, which is near median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $274.22, compared to a current price of $395.00 — trading 44% above its estimated fair value. The current PB Ratio is 0.80, which is near median its 10-year median of 0.81 and 26.6% below the Banks industry median of 1.09. Neffs Bancorp's overall GF Score™ is 49/100 with 6 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 Neffs Bancorp (NEFB), the current PB Ratio is 0.80 as of Jun. 28, 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $395.00 is trading 44% above its estimated GF Value™ of $274.22.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
PB Ratio: 0.80 (near median its 10-year median of 0.81)
GF Value™: $274.22 vs. price of $395.00 (44% above fair value)
Industry Position: 26.6% below the Banks median (#404 of 1519)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
49GF Score
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