What is Nam A Commercial Joint Stock Bank PB Ratio?
Nam A Commercial Joint Stock BankSTC:NAB 56 PB Ratio is 1.09 as of Jul. 04, 2026, which is 3% below its 10-year median of 1.12. GuruFocus rates STC:NAB with a GF Score™ of 56/100. The stock has 3 warning signs investors should review. Among 1,517 Banks companies, Nam A Commercial Joint Stock Bank ranks better than 50.82% on this metric.
STC:NAB'
s PB Ratio Range Over the Past 10 Years
Min: 0.89 Med: 1.12 Max: 1.32
Current: 1.09
During the past 9 years, Nam A Commercial Joint Stock Bank's highest PB Ratio was 1.32. The lowest was 0.89. And the median was 1.12.
STC:NAB's PB Ratio is ranked better than 50.82% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs STC:NAB: 1.09
During the past 12 months, Nam A Commercial Joint Stock Bank's average Book Value Per Share Growth Rate was 22.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.60% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Nam A Commercial Joint Stock Bank was 23.80% per year. The lowest was -0.10% per year. And the median was 11.90% per year.
Back to Basics: PB Ratio
Nam A Commercial Joint Stock Bank (STC:NAB) 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.
Nam A Commercial Joint Stock Bank PB Ratio Related Terms
Nam A Commercial Joint Stock Bank PB Ratio Historical Data
* 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.
Nam A Commercial Joint Stock Bank PB Ratio Competitor Comparison
For the Banks - Regional subindustry, Nam A Commercial Joint Stock 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.
Nam A Commercial Joint Stock Bank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Nam A Commercial Joint Stock Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where Nam A Commercial Joint Stock Bank's PB Ratio falls into.
Nam A Commercial Joint Stock Bank PB Ratio Calculation
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.
Nam A Commercial Joint Stock Bank (STC:NAB) has a PB Ratio of 1.09 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Nam A Commercial Joint Stock Bank and its competitors. This is near median its historical median of 1.12. Over the past decade, Nam A Commercial Joint Stock Bank's PB Ratio has ranged from 0.89 to 1.32. According to the industry distribution chart, Nam A Commercial Joint Stock Bank ranks #746 out of 1517 companies in the Banks industry, placing it in the top 49.2%.
Is Nam A Commercial Joint Stock Bank's PB Ratio too high?
Nam A Commercial Joint Stock Bank's current PB Ratio of 1.09 is near median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 1.32. The Banks industry median PB Ratio is 1.10. Nam A Commercial Joint Stock Bank's value of 1.09 is 0.9% below this industry median. Based on the distribution chart, Nam A Commercial Joint Stock Bank ranks #746 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Nam A Commercial Joint Stock Bank has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Nam A Commercial Joint Stock Bank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Nam A Commercial Joint Stock Bank ranks #746 out of 1517 companies for PB Ratio. This puts Nam A Commercial Joint Stock Bank in the upper half of its industry. The industry median PB Ratio is 1.10. Nam A Commercial Joint Stock Bank's value of 1.09 is 0.9% below this benchmark. Historically, Nam A Commercial Joint Stock Bank's own PB Ratio has ranged from 0.89 to 1.32 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 1.10, Nam A Commercial Joint Stock 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 1,517 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. Nam A Commercial Joint Stock Bank's current PB Ratio of 1.09 is 0.9% 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 Nam A Commercial Joint Stock 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. Nam A Commercial Joint Stock Bank's current PB Ratio is 1.09, which is near median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nam A Commercial Joint Stock Bank stock overvalued right now?
Nam A Commercial Joint Stock Bank (STC:NAB) has a current PB Ratio of 1.09. The current PB Ratio is 1.09, which is near median its 10-year median of 1.12 and 0.9% below the Banks industry median of 1.10. Nam A Commercial Joint Stock Bank's overall GF Score™ is 56/100 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 Nam A Commercial Joint Stock Bank (STC:NAB), the current PB Ratio is 1.09 as of Jul. 04, 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.
Nam A Commercial Joint Stock Bank Business Description
Nam A Commercial Joint Stock Bank is engaged in providing banking services such as mobilizing short, medium and long-term funds in the form of term deposits, demand deposits, cod; receiving entrusted investment and development funds, borrowings from other financial institutions; granting short, medium and long-term loans; discounting of commercial notes, bonds and valuable papers; contributing capital and investing in joint-ventures, settlement services to customers, trading foreign currencies, gold, international payment, mobilizing overseas funds and other banking services to overseas counterparties; preserving assets, leasing cabinets and safes; insurance agency; credit granting; debt purchasing; trading and providing forex services on domestic and international market and others.
56GF Score
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