Kvika Banki hfOISE:KVIKA +0.76%57 PB Ratio is 0.92 as of Jul. 02, 2026, which is 25% below its 10-year median of 1.22. GuruFocus rates OISE:KVIKA with a GF Score™ of 57/100 and a GF Value™ of kr22.47 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Kvika Banki hf ranks better than 65.66% 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 (2026-07-02), Kvika Banki hf's share price is kr13.30. Kvika Banki hf's Book Value per Share for the quarter that ended in Mar. 2026 was kr14.43. Hence, Kvika Banki hf's PB Ratio of today is 0.92.
Good Sign:
Kvika Banki hf stock PB Ratio (=0.93) is close to 1-year low of 0.93.
The historical rank and industry rank for Kvika Banki hf's PB Ratio or its related term are showing as below:
OISE:KVIKA'
s PB Ratio Range Over the Past 10 Years
Min: 0.79 Med: 1.22 Max: 2.21
Current: 0.92
During the past 11 years, Kvika Banki hf's highest PB Ratio was 2.21. The lowest was 0.79. And the median was 1.22.
OISE:KVIKA's PB Ratio is ranked better than 65.66% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs OISE:KVIKA: 0.92
During the past 12 months, Kvika Banki hf's average Book Value Per Share Growth Rate was -1.50% per year.
During the past 11 years, the highest 3-Year average Book Value Per Share Growth Rate of Kvika Banki hf was 36.80% per year. The lowest was -88.30% per year. And the median was -31.25% 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.
Kvika Banki hf PB Ratio Related Terms
Kvika Banki hf PB Ratio Historical Data
* Premium members only.
The historical data trend for Kvika Banki hf'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, Kvika Banki hf'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.
Kvika Banki hf PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Kvika Banki hf's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kvika Banki hf'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.
Kvika Banki hf'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.
Kvika Banki hf (OISE:KVIKA) has a PB Ratio of 0.92 as of Jul. 02, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kvika Banki hf and its competitors. This is 25% below median its historical median of 1.22. Over the past decade, Kvika Banki hf's PB Ratio has ranged from 0.79 to 2.21. According to the industry distribution chart, Kvika Banki hf ranks #521 out of 1517 companies in the Banks industry, placing it in the top 34.3%.
Is Kvika Banki hf's PB Ratio too high?
Kvika Banki hf's current PB Ratio of 0.92 is 25% below median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 2.21. The Banks industry median PB Ratio is 1.10. Kvika Banki hf's value of 0.92 is 16.4% below this industry median. Based on the distribution chart, Kvika Banki hf ranks #521 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Kvika Banki hf has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kvika Banki hf's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Kvika Banki hf ranks #521 out of 1517 companies for PB Ratio. This puts Kvika Banki hf in the upper half of its industry. The industry median PB Ratio is 1.10. Kvika Banki hf's value of 0.92 is 16.4% below this benchmark. Historically, Kvika Banki hf's own PB Ratio has ranged from 0.79 to 2.21 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 1.10, Kvika Banki hf 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 1.10, based on 1,517 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. Kvika Banki hf's current PB Ratio of 0.92 is 16.4% 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 Kvika Banki hf and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kvika Banki hf's current PB Ratio is 0.92, which is 25% below median its own 10-year median of 1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kvika Banki hf stock overvalued right now?
Based on GuruFocus' analysis, Kvika Banki hf (OISE:KVIKA) is currently considered Possible Value Trap. The stock's GF Value™ is kr22.47, compared to a current price of kr13.30 — trading 40.8% below its estimated fair value. The current PB Ratio is 0.92, which is 25% below median its 10-year median of 1.22 and 16.4% below the Banks industry median of 1.10. Kvika Banki hf's overall GF Score™ is 57/100 with 3 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 Kvika Banki hf (OISE:KVIKA), the current PB Ratio is 0.92 as of Jul. 02, 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 Kvika Banki hf (OISE:KVIKA) Overvalued in 2026?
Based on GuruFocus' analysis, Kvika Banki hf stock appears to be undervalued.
The current stock price of kr13.30 is trading 40.8% below its estimated GF Value™ of kr22.47.
GuruFocus considers Kvika Banki hf to be Possible Value Trap.
Key valuation signals for OISE:KVIKA:
PB Ratio: 0.92 (25% below median its 10-year median of 1.22)
GF Value™: kr22.47 vs. price of kr13.30 (40.8% below fair value)
Industry Position: 16.4% below the Banks median (#521 of 1517)
No single metric tells the full story. See the OISE:KVIKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kvika Banki hf is a financial services company with operations in Iceland and the United Kingdom. It delivers its services mainly online and offers solutions in asset management, payments, and banking for individuals, businesses, and investors. The company operates in four business segments: Commercial Banking, Investment Banking, which generates maximum revenue, Asset Management, and UK operations, through its subsidiaries. Retail financial services are delivered through specialized consumer brands such as Audur, Aur, and Netgiro, while corporate and institutional services are provided under the Kvika brand. In the UK, the bank operates under the Kvika and Ortus Secured Finance brands.
57GF Score
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