Jana Small Finance BankNSE:JSFB -0.22%26 PB Ratio is 1.09 as of Jun. 24, 2026, which is 7% below its 10-year median of 1.17. GuruFocus rates NSE:JSFB with a GF Score™ of 26/100. The stock has 5 warning signs investors should review. Among 1,516 Banks companies, Jana Small Finance Bank ranks better than 50.86% on this metric.
The historical rank and industry rank for Jana Small Finance Bank's PB Ratio or its related term are showing as below:
NSE:JSFB'
s PB Ratio Range Over the Past 10 Years
Min: 0.88 Med: 1.17 Max: 2.13
Current: 1.08
During the past 9 years, Jana Small Finance Bank's highest PB Ratio was 2.13. The lowest was 0.88. And the median was 1.17.
NSE:JSFB's PB Ratio is ranked better than 50.86% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs NSE:JSFB: 1.08
During the past 12 months, Jana Small Finance Bank's average Book Value Per Share Growth Rate was 8.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 42.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 38.70% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Jana Small Finance Bank was 50.60% per year. The lowest was -10.00% per year. And the median was 31.95% per year.
Back to Basics: PB Ratio
Jana Small Finance Bank (NSE:JSFB) PB Ratio Explanation
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.
* 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.
Jana Small Finance Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Jana Small Finance 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.
Jana Small Finance Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Jana Small Finance Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jana Small Finance 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.
* 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.
Jana Small Finance Bank (NSE:JSFB) has a PB Ratio of 1.09 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jana Small Finance Bank and its competitors. This is near median its historical median of 1.17. Over the past decade, Jana Small Finance Bank's PB Ratio has ranged from 0.88 to 2.13. According to the industry distribution chart, Jana Small Finance Bank ranks #745 out of 1516 companies in the Banks industry, placing it in the top 49.1%.
Is Jana Small Finance Bank's PB Ratio too high?
Jana Small Finance Bank's current PB Ratio of 1.09 is near median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.88 to a high of 2.13. The Banks industry median PB Ratio is 1.08. Jana Small Finance Bank's value of 1.09 is 0.9% above this industry median. Based on the distribution chart, Jana Small Finance Bank ranks #745 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Jana Small Finance Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Jana Small Finance Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Jana Small Finance Bank ranks #745 out of 1516 companies for PB Ratio. This puts Jana Small Finance Bank in the upper half of its industry. The industry median PB Ratio is 1.08. Jana Small Finance Bank's value of 1.09 is 0.9% above this benchmark. Historically, Jana Small Finance Bank's own PB Ratio has ranged from 0.88 to 2.13 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 1.08, Jana Small Finance Bank 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 1.08, 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. Jana Small Finance Bank's current PB Ratio of 1.09 is 0.9% 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 Jana Small Finance 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. Jana Small Finance Bank's current PB Ratio is 1.09, which is near median its own 10-year median of 1.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jana Small Finance Bank stock overvalued right now?
Jana Small Finance Bank (NSE:JSFB) has a current PB Ratio of 1.09. The current PB Ratio is 1.09, which is near median its 10-year median of 1.17 and 0.9% above the Banks industry median of 1.08. Jana Small Finance Bank's overall GF Score™ is 26/100 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 Jana Small Finance Bank (NSE:JSFB), the current PB Ratio is 1.09 as of Jun. 24, 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.
AddressKoramangala Inner Ring Road, The Fairway Business Park, First Floor, Survey No.10/1, 11/2 & 12/2B Off Domlur, Next to EGL Business Park Challaghatta, Bengaluru, KA, IND, 560071
Jana Small Finance Bank Ltd is engaged in the banking sector. The company is engaged in savings accounts, current accounts, Deposits, Insurance, Loans such as secured business loans, microloans against property, MSME loans, affordable housing loans, term loans to NBFC, loans against fixed deposits, two-wheeler loans, and gold loans. It operates in four segments namely the Treasury segment, Corporate/Wholesale Banking segment, Retail Banking segment, and Other Banking Operations segment. The retail banking segment includes lending to and deposits from retail customers and the identified earnings and expenses of the segment. Maximum revenue is generated from the Retail Banking segment.
26GF Score
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