PennyMac Financial ServicesPFSI +3.88%71 PB Ratio is 1.00 as of Jun. 25, 2026, which is 12% below its 10-year median of 1.13. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $137.55 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,515 Banks companies, PennyMac Financial Services ranks better than 57.56% on this metric.
PennyMac Financial Services Inc stock PB Ratio (=1) is close to 2-year low of 0.98.
The historical rank and industry rank for PennyMac Financial Services's PB Ratio or its related term are showing as below:
PFSI'
s PB Ratio Range Over the Past 10 Years
Min: 0.58 Med: 1.13 Max: 1.93
Current: 1
During the past 13 years, PennyMac Financial Services's highest PB Ratio was 1.93. The lowest was 0.58. And the median was 1.13.
PFSI's PB Ratio is ranked better than 57.56% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs PFSI: 1.00
During the past 12 months, PennyMac Financial Services's average Book Value Per Share Growth Rate was 10.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 23.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PennyMac Financial Services was 58.70% per year. The lowest was -19.40% per year. And the median was 22.25% per year.
Back to Basics: PB Ratio
PennyMac Financial Services (NYSE:PFSI) 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.
PennyMac Financial Services PB Ratio Related Terms
PennyMac Financial Services 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.
For the Mortgage Finance subindustry, PennyMac Financial Services'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.
PennyMac Financial Services PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services'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.
PennyMac Financial Services (PFSI) has a PB Ratio of 1.00 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 PennyMac Financial Services and its competitors. This is 12% below median its historical median of 1.13. Over the past decade, PennyMac Financial Services' PB Ratio has ranged from 0.58 to 1.93. According to the industry distribution chart, PennyMac Financial Services ranks #643 out of 1515 companies in the Banks industry, placing it in the top 42.4%.
Is PennyMac Financial Services' PB Ratio too high?
PennyMac Financial Services' current PB Ratio of 1.00 is 12% below median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.58 to a high of 1.93. The Banks industry median PB Ratio is 1.08. PennyMac Financial Services' value of 1.00 is 7.4% below this industry median. Based on the distribution chart, PennyMac Financial Services ranks #643 out of 1515 companies in the Banks industry, which is above the industry midpoint. Overall, PennyMac Financial Services has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' PB Ratio compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #643 out of 1515 companies for PB Ratio. This puts PennyMac Financial Services in the upper half of its industry. The industry median PB Ratio is 1.08. PennyMac Financial Services' value of 1.00 is 7.4% below this benchmark. Historically, PennyMac Financial Services' own PB Ratio has ranged from 0.58 to 1.93 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.08, PennyMac Financial Services 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. PennyMac Financial Services's current PB Ratio of 1.00 is 7.4% 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 PennyMac Financial Services 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. PennyMac Financial Services's current PB Ratio is 1.00, which is 12% below median its own 10-year median of 1.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PennyMac Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PennyMac Financial Services (PFSI) is currently considered Possible Value Trap. The stock's GF Value™ is $137.55, compared to a current price of $83.35 — trading 39.4% below its estimated fair value. The current PB Ratio is 1.00, which is 12% below median its 10-year median of 1.13 and 7.4% below the Banks industry median of 1.08. PennyMac Financial Services' overall GF Score™ is 71/100 with 7 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 PennyMac Financial Services (PFSI), the current PB Ratio is 1.00 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 PennyMac Financial Services (PFSI) Overvalued in 2026?
Based on GuruFocus' analysis, PennyMac Financial Services stock appears to be undervalued.
The current stock price of $83.35 is trading 39.4% below its estimated GF Value™ of $137.55.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
PB Ratio: 1.00 (12% below median its 10-year median of 1.13)
GF Value™: $137.55 vs. price of $83.35 (39.4% below fair value)
Industry Position: 7.4% below the Banks median (#643 of 1515)
No single metric tells the full story. See the PFSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform mainly focused on the production and servicing of U.S. residential mortgage loans. The firm is also engaged in managing investments related to the U.S. mortgage market and provides products and services that leverage technologies to support customers. The company operates through two reportable operating segments: production and servicing. The production segment performs loan origination, acquisition, and sale activities, while the servicing segment performs servicing and subservicing of loans, early buyout transactions, and servicing of loans sourced and managed for PMT. The majority of revenue comes from the production segment.
71GF Score
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