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Riyad BankSAU:1010 72 PB Ratio is 1.04 as of Jul. 19, 2026, which is 24% below its 10-year median of 1.37. GuruFocus rates SAU:1010 with a GF Score™ of 72/100 and a GF Value™ of ﷼22.95 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,518 Banks companies, Riyad Bank ranks better than 55.67% 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 (2026-07-19), Riyad Bank's share price is ﷼20.70. Riyad Bank's Book Value per Share for the quarter that ended in Mar. 2026 was ﷼19.87. Hence, Riyad Bank's PB Ratio of today is 1.04.
Good Sign:
Riyad Bank stock PB Ratio (=1.04) is close to 5-year low of 1.01.
The historical rank and industry rank for Riyad Bank's PB Ratio or its related term are showing as below:
SAU:1010'
s PB Ratio Range Over the Past 10 Years
Min: 0.72 Med: 1.37 Max: 2.45
Current: 1.04
During the past 13 years, Riyad Bank's highest PB Ratio was 2.45. The lowest was 0.72. And the median was 1.37.
SAU:1010's PB Ratio is ranked better than 55.67% of 1518
companies
in the Banks industry
Industry Median: 1.11
vs SAU:1010: 1.04
During the past 12 months, Riyad Bank's average Book Value Per Share Growth Rate was 9.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Riyad Bank was 33.00% per year. The lowest was 0.20% per year. And the median was 5.50% 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.
Riyad Bank PB Ratio Related Terms
Riyad Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Riyad Bank'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, Riyad 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.
Riyad Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Riyad Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Riyad 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.
Riyad Bank'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.
Riyad Bank (SAU:1010) has a PB Ratio of 1.04 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Riyad Bank and its competitors. This is 24% below median its historical median of 1.37. Over the past decade, Riyad Bank's PB Ratio has ranged from 0.72 to 2.45. According to the industry distribution chart, Riyad Bank ranks #673 out of 1518 companies in the Banks industry, placing it in the top 44.3%.
Is Riyad Bank's PB Ratio too high?
Riyad Bank's current PB Ratio of 1.04 is 24% below median its 10-year median of 1.37. Over the past 10 years, this metric has ranged from a low of 0.72 to a high of 2.45. The Banks industry median PB Ratio is 1.11. Riyad Bank's value of 1.04 is 6.3% below this industry median. Based on the distribution chart, Riyad Bank ranks #673 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Riyad Bank has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Riyad Bank's PB Ratio compare to PNC?
According to the Banks industry distribution chart, Riyad Bank ranks #673 out of 1518 companies for PB Ratio. This puts Riyad Bank in the upper half of its industry. The industry median PB Ratio is 1.11. Riyad Bank's value of 1.04 is 6.3% below this benchmark. Historically, Riyad Bank's own PB Ratio has ranged from 0.72 to 2.45 over the past decade. While the company's 10-year median is 1.37 vs. the industry median of 1.11, Riyad 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 1.11, based on 1,518 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. Riyad Bank's current PB Ratio of 1.04 is 6.3% 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 Riyad Bank 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. Riyad Bank's current PB Ratio is 1.04, which is 24% below median its own 10-year median of 1.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Riyad Bank stock overvalued right now?
Based on GuruFocus' analysis, Riyad Bank (SAU:1010) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼22.95, compared to a current price of ﷼20.70 — trading 9.8% below its estimated fair value. The current PB Ratio is 1.04, which is 24% below median its 10-year median of 1.37 and 6.3% below the Banks industry median of 1.11. Riyad Bank's overall GF Score™ is 72/100 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 Riyad Bank (SAU:1010), the current PB Ratio is 1.04 as of Jul. 19, 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 Riyad Bank (SAU:1010) Overvalued in 2026?
Based on GuruFocus' analysis, Riyad Bank stock appears to be undervalued.
The current stock price of ﷼20.70 is trading 9.8% below its estimated GF Value™ of ﷼22.95.
GuruFocus considers Riyad Bank to be Modestly Undervalued.
Key valuation signals for SAU:1010:
PB Ratio: 1.04 (24% below median its 10-year median of 1.37)
GF Value™: ﷼22.95 vs. price of ﷼20.70 (9.8% below fair value)
Industry Position: 6.3% below the Banks median (#673 of 1518)
No single metric tells the full story. See the SAU:1010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFinancial Boulevard - Al Aqeeq District, P.O. Box 22622, Riyad Bank Tower, Building No. 3128, King Abdullah Financial District (KAFD, Riyadh, SAU, 13519 – 6671
Riyad Bank is a financial institution in Saudi Arabia. The company provides a full range of banking and investment services. It also provides its customers with nonconventional banking products which are approved and supervised by an independent Shariah Board established by the Bank. The company operates in four business segments: i) Retail Banking, ii) Investment banking and brokerage, iii) Corporate banking, and iv) Treasury and Investments. The majority of the company's revenue is derived from the Corporate banking segment, which principally handles corporate customers' current accounts, deposits and provides loans, overdrafts and other credit facilities and includes small to medium sized businesses.
72GF Score
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