Seven BankSEBNF 75 PB Ratio is 1.18 as of Jul. 01, 2026, which is 11% below its 10-year median of 1.32. GuruFocus rates SEBNF with a GF Score™ of 75/100 and a GF Value™ of $2.31. The stock has 2 warning signs investors should review. Among 1,517 Banks companies, Seven Bank ranks worse than 56.1% 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 (2026-07-01), Seven Bank's share price is $1.78. Seven Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $1.51. Hence, Seven Bank's PB Ratio of today is 1.18.
Good Sign:
Seven Bank Ltd stock PB Ratio (=1.16) is close to 10-year low of 1.06.
The historical rank and industry rank for Seven Bank's PB Ratio or its related term are showing as below:
SEBNF'
s PB Ratio Range Over the Past 10 Years
Min: 1.06 Med: 1.32 Max: 2.63
Current: 1.16
During the past 13 years, Seven Bank's highest PB Ratio was 2.63. The lowest was 1.06. And the median was 1.32.
SEBNF's PB Ratio is ranked worse than 56.1% of 1517
companies
in the Banks industry
Industry Median: 1.09
vs SEBNF: 1.16
During the past 12 months, Seven Bank's average Book Value Per Share Growth Rate was 1.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Seven Bank was 12.50% per year. The lowest was 3.70% per year. And the median was 7.95% 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.
Seven Bank PB Ratio Related Terms
Seven Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for Seven 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, Seven 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.
Seven Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Seven Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Seven 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.
Seven 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.
Seven Bank (SEBNF) has a PB Ratio of 1.18 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Seven Bank and its competitors. This is 11% below median its historical median of 1.32. Over the past decade, Seven Bank's PB Ratio has ranged from 1.06 to 2.63. According to the industry distribution chart, Seven Bank ranks #851 out of 1517 companies in the Banks industry, placing it in the top 56.1%.
Is Seven Bank's PB Ratio too high?
Seven Bank's current PB Ratio of 1.18 is 11% below median its 10-year median of 1.32. Over the past 10 years, this metric has ranged from a low of 1.06 to a high of 2.63. The Banks industry median PB Ratio is 1.09. Seven Bank's value of 1.18 is 8.3% above this industry median. Based on the distribution chart, Seven Bank ranks #851 out of 1517 companies in the Banks industry, which is below the industry midpoint. Overall, Seven Bank has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Seven Bank ranks #851 out of 1517 companies for PB Ratio. This places Seven Bank in the lower half of its industry. The industry median PB Ratio is 1.09. Seven Bank's value of 1.18 is 8.3% above this benchmark. Historically, Seven Bank's own PB Ratio has ranged from 1.06 to 2.63 over the past decade. While the company's 10-year median is 1.32 vs. the industry median of 1.09, Seven Bank has consistently been above 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 1.09, 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. Seven Bank's current PB Ratio of 1.18 is 8.3% above 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 Seven Bank and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seven Bank's current PB Ratio is 1.18, which is 11% below median its own 10-year median of 1.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Seven Bank (SEBNF) has a current PB Ratio of 1.18. The stock's GF Value™ is $2.31, compared to a current price of $1.78 — trading 22.9% below its estimated fair value. The current PB Ratio is 1.18, which is 11% below median its 10-year median of 1.32 and 8.3% above the Banks industry median of 1.09. Seven Bank's overall GF Score™ is 75/100 with 2 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 Seven Bank (SEBNF), the current PB Ratio is 1.18 as of Jul. 01, 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 Seven Bank (SEBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued.
The current stock price of $1.78 is trading 22.9% below its estimated GF Value™ of $2.31.
Key valuation signals for SEBNF:
PB Ratio: 1.18 (11% below median its 10-year median of 1.32)
GF Value™: $2.31 vs. price of $1.78 (22.9% below fair value)
Industry Position: 8.3% above the Banks median (#851 of 1517)
No single metric tells the full story. See the SEBNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
75GF Score
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