San-in Godo BankSGDBF 51 PB Ratio is 0.64 as of Jul. 06, 2026, which is 64% above its 10-year median of 0.39. GuruFocus rates SGDBF with a GF Score™ of 51/100 and a GF Value™ of $5.12. The stock has 4 warning signs investors should review. Among 1,518 Banks companies, San-in Godo Bank ranks worse than 51.05% 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 (2026-07-06), San-in Godo Bank's share price is $8.58. San-in Godo Bank's Book Value per Share for the quarter that ended in Mar. 2026 was $13.46. Hence, San-in Godo Bank's PB Ratio of today is 0.64.
Warning Sign:
San-in Godo Bank Ltd stock PB Ratio (=1.12) is close to 10-year high of 1.12.
The historical rank and industry rank for San-in Godo Bank's PB Ratio or its related term are showing as below:
SGDBF'
s PB Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.39 Max: 1.12
Current: 1.12
During the past 13 years, San-in Godo Bank's highest PB Ratio was 1.12. The lowest was 0.18. And the median was 0.39.
SGDBF's PB Ratio is ranked worse than 51.05% of 1518
companies
in the Banks industry
Industry Median: 1.1
vs SGDBF: 1.12
During the past 12 months, San-in Godo Bank's average Book Value Per Share Growth Rate was 4.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 1.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -1.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of San-in Godo Bank was 7.10% per year. The lowest was -4.60% per year. And the median was 2.00% per year.
Back to Basics: PB Ratio
San-in Godo Bank (OTCPK:SGDBF) 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.
San-in Godo Bank PB Ratio Related Terms
San-in Godo Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for San-in Godo 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, San-in Godo 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.
San-in Godo Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, San-in Godo Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where San-in Godo 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.
* 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.
San-in Godo Bank (SGDBF) has a PB Ratio of 0.64 as of Jul. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on San-in Godo Bank and its competitors. This is 64% above median its historical median of 0.39. Over the past decade, San-in Godo Bank's PB Ratio has ranged from 0.18 to 1.12. According to the industry distribution chart, San-in Godo Bank ranks #775 out of 1518 companies in the Banks industry, placing it in the top 51.1%.
Is San-in Godo Bank's PB Ratio too high?
San-in Godo Bank's current PB Ratio of 0.64 is 64% above median its 10-year median of 0.39. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 1.12. The Banks industry median PB Ratio is 1.10. San-in Godo Bank's value of 0.64 is 41.8% below this industry median. Based on the distribution chart, San-in Godo Bank ranks #775 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, San-in Godo Bank has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does San-in Godo Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, San-in Godo Bank ranks #775 out of 1518 companies for PB Ratio. This places San-in Godo Bank in the lower half of its industry. The industry median PB Ratio is 1.10. San-in Godo Bank's value of 0.64 is 41.8% below this benchmark. Historically, San-in Godo Bank's own PB Ratio has ranged from 0.18 to 1.12 over the past decade. While the company's 10-year median is 0.39 vs. the industry median of 1.10, San-in Godo 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 1.10, 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. San-in Godo Bank's current PB Ratio of 0.64 is 41.8% 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 San-in Godo Bank 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. San-in Godo Bank's current PB Ratio is 0.64, which is 64% above median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San-in Godo Bank stock overvalued right now?
San-in Godo Bank (SGDBF) has a current PB Ratio of 0.64. The stock's GF Value™ is $5.12, compared to a current price of $8.58 — trading 67.6% above its estimated fair value. The current PB Ratio is 0.64, which is 64% above median its 10-year median of 0.39 and 41.8% below the Banks industry median of 1.10. San-in Godo Bank's overall GF Score™ is 51/100 with 4 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 San-in Godo Bank (SGDBF), the current PB Ratio is 0.64 as of Jul. 06, 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 San-in Godo Bank (SGDBF) Overvalued in 2026?
Based on GuruFocus' analysis, San-in Godo Bank stock appears to be overvalued.
The current stock price of $8.58 is trading 67.6% above its estimated GF Value™ of $5.12.
Key valuation signals for SGDBF:
PB Ratio: 0.64 (64% above median its 10-year median of 0.39)
GF Value™: $5.12 vs. price of $8.58 (67.6% above fair value)
Industry Position: 41.8% below the Banks median (#775 of 1518)
No single metric tells the full story. See the SGDBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San-in Godo Bank Ltd is a Japanese bank group that operates in the San-in region of western Honshu. It also has a presence in the neighboring Sanyo region and the Hyogo prefecture. The group has two reportable service segments: banking and leasing. Banking constitutes a majority of the group's activities and consists of a deposit, loan, securities investment, and exchange business. The group also engages in a credit guarantee business. Loans and bills discounted and securities constitute a majority of the bank's earning assets.
51GF Score
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