Sturgis BancorpSTBI 76 PB Ratio is 0.89 as of Jun. 26, 2026, which is 5% above its 10-year median of 0.85. GuruFocus rates STBI with a GF Score™ of 76/100 and a GF Value™ of $21.27 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,516 Banks companies, Sturgis Bancorp ranks better than 66.62% 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 (2026-06-26), Sturgis Bancorp's share price is $26.42. Sturgis Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $29.79. Hence, Sturgis Bancorp's PB Ratio of today is 0.89.
Warning Sign:
Sturgis Bancorp Inc stock PB Ratio (=0.86) is close to 3-year high of 0.87.
The historical rank and industry rank for Sturgis Bancorp's PB Ratio or its related term are showing as below:
STBI'
s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 0.85 Max: 1.69
Current: 0.89
During the past 13 years, Sturgis Bancorp's highest PB Ratio was 1.69. The lowest was 0.63. And the median was 0.85.
STBI's PB Ratio is ranked better than 66.62% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs STBI: 0.89
During the past 12 months, Sturgis Bancorp's average Book Value Per Share Growth Rate was 12.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Sturgis Bancorp was 8.80% per year. The lowest was 1.40% per year. And the median was 5.95% 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.
Sturgis Bancorp PB Ratio Related Terms
Sturgis Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Sturgis Bancorp'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, Sturgis Bancorp'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.
Sturgis Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Sturgis Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Sturgis Bancorp'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.
Sturgis Bancorp'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.
Sturgis Bancorp (STBI) has a PB Ratio of 0.89 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Sturgis Bancorp and its competitors. This is near median its historical median of 0.85. Over the past decade, Sturgis Bancorp's PB Ratio has ranged from 0.63 to 1.69. According to the industry distribution chart, Sturgis Bancorp ranks #506 out of 1516 companies in the Banks industry, placing it in the top 33.4%.
Is Sturgis Bancorp's PB Ratio too high?
Sturgis Bancorp's current PB Ratio of 0.89 is near median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.69. The Banks industry median PB Ratio is 1.09. Sturgis Bancorp's value of 0.89 is 18.3% below this industry median. Based on the distribution chart, Sturgis Bancorp ranks #506 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Sturgis Bancorp has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sturgis Bancorp's PB Ratio compare to BCOW and BSPA?
According to the Banks industry distribution chart, Sturgis Bancorp ranks #506 out of 1516 companies for PB Ratio. This puts Sturgis Bancorp in the upper half of its industry. The industry median PB Ratio is 1.09. Sturgis Bancorp's value of 0.89 is 18.3% below this benchmark. Historically, Sturgis Bancorp's own PB Ratio has ranged from 0.63 to 1.69 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.09, Sturgis Bancorp 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 1.09, based on 1,516 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. Sturgis Bancorp's current PB Ratio of 0.89 is 18.3% 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 Sturgis Bancorp 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. Sturgis Bancorp's current PB Ratio is 0.89, which is near median its own 10-year median of 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sturgis Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Sturgis Bancorp (STBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.27, compared to a current price of $26.42 — trading 24.2% above its estimated fair value. The current PB Ratio is 0.89, which is near median its 10-year median of 0.85 and 18.3% below the Banks industry median of 1.09. Sturgis Bancorp's overall GF Score™ is 76/100 with 5 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 Sturgis Bancorp (STBI), the current PB Ratio is 0.89 as of Jun. 26, 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 Sturgis Bancorp (STBI) Overvalued in 2026?
Based on GuruFocus' analysis, Sturgis Bancorp stock appears to be overvalued.
The current stock price of $26.42 is trading 24.2% above its estimated GF Value™ of $21.27.
GuruFocus considers Sturgis Bancorp to be Modestly Overvalued.
Key valuation signals for STBI:
PB Ratio: 0.89 (near median its 10-year median of 0.85)
GF Value™: $21.27 vs. price of $26.42 (24.2% above fair value)
Industry Position: 18.3% below the Banks median (#506 of 1516)
No single metric tells the full story. See the STBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sturgis Bancorp Inc is a bank holding company operating predominantly in the southwestern portion of Michigan's Lower Peninsula. Through its subsidiaries, it is engaged in accepting deposits and making commercial and residential mortgage loans; providing various investment and financial advisory services; offering credit cards and different types of loans; and providing title, consumer, and commercial insurance products, among others.
76GF Score
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