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China BankingPHS:CBC +0.27%76 PB Ratio is 0.79 as of Jul. 14, 2026, which is 7% above its 10-year median of 0.74. GuruFocus rates PHS:CBC with a GF Score™ of 76/100 and a GF Value™ of ₱58.44 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,520 Banks companies, China Banking ranks better than 74.74% 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 (2026-07-14), China Banking's share price is ₱56.55. China Banking's Book Value per Share for the quarter that ended in Mar. 2026 was ₱71.40. Hence, China Banking's PB Ratio of today is 0.79.
The historical rank and industry rank for China Banking's PB Ratio or its related term are showing as below:
PHS:CBC'
s PB Ratio Range Over the Past 10 Years
Min: 0.52 Med: 0.74 Max: 1.5
Current: 0.79
During the past 13 years, China Banking's highest PB Ratio was 1.50. The lowest was 0.52. And the median was 0.74.
PHS:CBC's PB Ratio is ranked better than 74.74% of 1520
companies
in the Banks industry
Industry Median: 1.11
vs PHS:CBC: 0.79
During the past 12 months, China Banking's average Book Value Per Share Growth Rate was 9.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of China Banking was 15.30% per year. The lowest was 3.70% per year. And the median was 9.30% 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.
China Banking PB Ratio Related Terms
China Banking PB Ratio Historical Data
* Premium members only.
The historical data trend for China Banking'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, China Banking'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.
China Banking PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, China Banking's PB Ratio distribution charts can be found below:
* The bar in red indicates where China Banking'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.
China Banking'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.
China Banking (PHS:CBC) has a PB Ratio of 0.79 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on China Banking and its competitors. This is near median its historical median of 0.74. Over the past decade, China Banking's PB Ratio has ranged from 0.52 to 1.50. According to the industry distribution chart, China Banking ranks #384 out of 1520 companies in the Banks industry, placing it in the top 25.3%.
Is China Banking's PB Ratio too high?
China Banking's current PB Ratio of 0.79 is near median its 10-year median of 0.74. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 1.50. The Banks industry median PB Ratio is 1.11. China Banking's value of 0.79 is 28.8% below this industry median. Based on the distribution chart, China Banking ranks #384 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, China Banking has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's PB Ratio compare to competitors?
According to the Banks industry distribution chart, China Banking ranks #384 out of 1520 companies for PB Ratio. This puts China Banking in the upper half of its industry. The industry median PB Ratio is 1.11. China Banking's value of 0.79 is 28.8% below this benchmark. Historically, China Banking's own PB Ratio has ranged from 0.52 to 1.50 over the past decade. While the company's 10-year median is 0.74 vs. the industry median of 1.11, China Banking 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 1.11, based on 1,520 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. China Banking's current PB Ratio of 0.79 is 28.8% 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 China Banking and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Banking's current PB Ratio is 0.79, which is near median its own 10-year median of 0.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.44, compared to a current price of ₱56.55 — trading 3.2% below its estimated fair value. The current PB Ratio is 0.79, which is near median its 10-year median of 0.74 and 28.8% below the Banks industry median of 1.11. China Banking's overall GF Score™ is 76/100 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 China Banking (PHS:CBC), the current PB Ratio is 0.79 as of Jul. 14, 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 China Banking (PHS:CBC) Overvalued in 2026?
Based on GuruFocus' analysis, China Banking stock appears to be undervalued.
The current stock price of ₱56.55 is trading 3.2% below its estimated GF Value™ of ₱58.44.
GuruFocus considers China Banking to be Fairly Valued.
Key valuation signals for PHS:CBC:
PB Ratio: 0.79 (near median its 10-year median of 0.74)
GF Value™: ₱58.44 vs. price of ₱56.55 (3.2% below fair value)
Industry Position: 28.8% below the Banks median (#384 of 1520)
No single metric tells the full story. See the PHS:CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
76GF Score
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