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The historical rank and industry rank for Utkarsh Small Finance Bank's PB Ratio or its related term are showing as below:
NSE:UTKARSHBNK'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 1.2 Max: 2.43
Current: 0.9
During the past 6 years, Utkarsh Small Finance Bank's highest PB Ratio was 2.43. The lowest was 0.76. And the median was 1.20.
NSE:UTKARSHBNK's PB Ratio is ranked better than 67.53% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs NSE:UTKARSHBNK: 0.90
During the past 12 months, Utkarsh Small Finance Bank's average Book Value Per Share Growth Rate was -32.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 0.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.80% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Utkarsh Small Finance Bank was 29.40% per year. The lowest was 0.20% per year. And the median was 23.50% 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.
Utkarsh Small Finance Bank PB Ratio Related Terms
Utkarsh Small Finance Bank 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.
Utkarsh Small Finance Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Utkarsh 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.
Utkarsh Small Finance Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Utkarsh 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.
Utkarsh Small Finance Bank (NSE:UTKARSHBNK) has a PB Ratio of 0.90 as of Aug. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Utkarsh Small Finance Bank and its competitors. This is 25% below median its historical median of 1.20. Over the past decade, Utkarsh Small Finance Bank's PB Ratio has ranged from 0.76 to 2.43. According to the industry distribution chart, Utkarsh Small Finance Bank ranks #491 out of 1512 companies in the Banks industry, placing it in the top 32.5%.
Is Utkarsh Small Finance Bank's PB Ratio too high?
Utkarsh Small Finance Bank's current PB Ratio of 0.90 is 25% below median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 2.43. The Banks industry median PB Ratio is 1.12. Utkarsh Small Finance Bank's value of 0.90 is 19.6% below this industry median. Based on the distribution chart, Utkarsh Small Finance Bank ranks #491 out of 1512 companies in the Banks industry, which is above the industry midpoint. Overall, Utkarsh Small Finance Bank has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Utkarsh Small Finance Bank ranks #491 out of 1512 companies for PB Ratio. This puts Utkarsh Small Finance Bank in the upper half of its industry. The industry median PB Ratio is 1.12. Utkarsh Small Finance Bank's value of 0.90 is 19.6% below this benchmark. Historically, Utkarsh Small Finance Bank's own PB Ratio has ranged from 0.76 to 2.43 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 1.12, Utkarsh Small Finance 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 1.12, based on 1,512 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. Utkarsh Small Finance Bank's current PB Ratio of 0.90 is 19.6% 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 Utkarsh Small Finance Bank and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utkarsh Small Finance Bank's current PB Ratio is 0.90, which is 25% below median its own 10-year median of 1.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utkarsh Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank (NSE:UTKARSHBNK) is currently considered Fairly Valued. The stock's GF Value™ is ₹14.63, compared to a current price of ₹14.04 — trading 4% below its estimated fair value. The current PB Ratio is 0.90, which is 25% below median its 10-year median of 1.20 and 19.6% below the Banks industry median of 1.12. Utkarsh Small Finance Bank's overall GF Score™ is 66/100 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 Utkarsh Small Finance Bank (NSE:UTKARSHBNK), the current PB Ratio is 0.90 as of Aug. 15, 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 Utkarsh Small Finance Bank (NSE:UTKARSHBNK) Overvalued in 2026?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued.
The current stock price of ₹14.04 is trading 4% below its estimated GF Value™ of ₹14.63.
GuruFocus considers Utkarsh Small Finance Bank to be Fairly Valued.
Key valuation signals for NSE:UTKARSHBNK:
PB Ratio: 0.90 (25% below median its 10-year median of 1.20)
GF Value™: ₹14.63 vs. price of ₹14.04 (4% below fair value)
Industry Position: 19.6% below the Banks median (#491 of 1512)
No single metric tells the full story. See the NSE:UTKARSHBNK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
66GF Score
Get the complete analysis for NSE:UTKARSHBNK
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