Fidelity BankNSA:FBP +0.28%71 PB Ratio is 0.83 as of Jun. 25, 2026, which is 168% above its 10-year median of 0.31. GuruFocus rates NSA:FBP with a GF Score™ of 71/100 and a GF Value™ of ₦14.13 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,515 Banks companies, Fidelity Bank ranks better than 71.16% 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 (2026-06-25), Fidelity Bank's share price is ₦18.20. Fidelity Bank's Book Value per Share for the quarter that ended in Mar. 2026 was ₦21.94. Hence, Fidelity Bank's PB Ratio of today is 0.83.
The historical rank and industry rank for Fidelity Bank's PB Ratio or its related term are showing as below:
NSA:FBP'
s PB Ratio Range Over the Past 10 Years
Min: 0.12 Med: 0.31 Max: 1.21
Current: 0.83
During the past 13 years, Fidelity Bank's highest PB Ratio was 1.21. The lowest was 0.12. And the median was 0.31.
NSA:FBP's PB Ratio is ranked better than 71.16% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs NSA:FBP: 0.83
During the past 12 months, Fidelity Bank's average Book Value Per Share Growth Rate was -24.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 20.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 14.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Fidelity Bank was 43.30% per year. The lowest was 1.90% per year. And the median was 9.25% 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.
Fidelity Bank PB Ratio Related Terms
Fidelity Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Fidelity Bank'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, Fidelity Bank'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.
Fidelity Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Fidelity Bank'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.
Fidelity Bank'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.
Fidelity Bank (NSA:FBP) has a PB Ratio of 0.83 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Fidelity Bank and its competitors. This is 168% above median its historical median of 0.31. Over the past decade, Fidelity Bank's PB Ratio has ranged from 0.12 to 1.21. According to the industry distribution chart, Fidelity Bank ranks #437 out of 1515 companies in the Banks industry, placing it in the top 28.8%.
Is Fidelity Bank's PB Ratio too high?
Fidelity Bank's current PB Ratio of 0.83 is 168% above median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 1.21. The Banks industry median PB Ratio is 1.08. Fidelity Bank's value of 0.83 is 23.1% below this industry median. Based on the distribution chart, Fidelity Bank ranks #437 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #437 out of 1515 companies for PB Ratio. This puts Fidelity Bank in the upper half of its industry. The industry median PB Ratio is 1.08. Fidelity Bank's value of 0.83 is 23.1% below this benchmark. Historically, Fidelity Bank's own PB Ratio has ranged from 0.12 to 1.21 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 1.08, Fidelity Bank 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 1.08, 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. Fidelity Bank's current PB Ratio of 0.83 is 23.1% 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 Fidelity Bank and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity Bank's current PB Ratio is 0.83, which is 168% above median its own 10-year median of 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦14.13, compared to a current price of ₦18.20 — trading 28.8% above its estimated fair value. The current PB Ratio is 0.83, which is 168% above median its 10-year median of 0.31 and 23.1% below the Banks industry median of 1.08. Fidelity Bank's overall GF Score™ is 71/100 with 4 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 Fidelity Bank (NSA:FBP), the current PB Ratio is 0.83 as of Jun. 25, 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦18.20 is trading 28.8% above its estimated GF Value™ of ₦14.13.
GuruFocus considers Fidelity Bank to be Modestly Overvalued.
Key valuation signals for NSA:FBP:
PB Ratio: 0.83 (168% above median its 10-year median of 0.31)
GF Value™: ₦14.13 vs. price of ₦18.20 (28.8% above fair value)
Industry Position: 23.1% below the Banks median (#437 of 1515)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF Score
Get the complete analysis for NSA:FBP
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:FBP has been successfully added to your 
