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STU:8FZ0's PB Ratio is ranked better than 96.56% of 1511
companies
in the Banks industry
Industry Median: 1.11
vs STU:8FZ0: 0.28
During the past 12 months, Caisse Regionale du Credit Agricole Mutuel du Languedoc's average Book Value Per Share Growth Rate was 11.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Caisse Regionale du Credit Agricole Mutuel du Languedoc was 9.80% per year. The lowest was 4.80% per year. And the median was 6.10% per year.
Back to Basics: PB Ratio
Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc PB Ratio Related Terms
Caisse Regionale du Credit Agricole Mutuel du Languedoc 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc PB Ratio Chart
Caisse Regionale du Credit Agricole Mutuel du Languedoc Annual Data
* 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc PB Ratio vs Banks Industry
Caisse Regionale du Credit Agricole Mutuel du Languedoc 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.
Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) has a PB Ratio of 0.27 as of Jul. 23, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Caisse Regionale du Credit Agricole Mutuel du Languedoc and its competitors. This is near median its historical median of 0.29. Over the past decade, Caisse Regionale du Credit Agricole Mutuel du Languedoc's PB Ratio has ranged from 0.17 to 0.48. According to the industry distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #52 out of 1511 companies in the Banks industry, placing it in the top 3.4%.
Is Caisse Regionale du Credit Agricole Mutuel du Languedoc's PB Ratio too high?
Caisse Regionale du Credit Agricole Mutuel du Languedoc's current PB Ratio of 0.27 is near median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.48. The Banks industry median PB Ratio is 1.11. Caisse Regionale du Credit Agricole Mutuel du Languedoc's value of 0.27 is 75.7% below this industry median. Based on the distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #52 out of 1511 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Caisse Regionale du Credit Agricole Mutuel du Languedoc has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Caisse Regionale du Credit Agricole Mutuel du Languedoc's PB Ratio compare to competitors?
According to the Banks industry distribution chart, Caisse Regionale du Credit Agricole Mutuel du Languedoc ranks #52 out of 1511 companies for PB Ratio. This places Caisse Regionale du Credit Agricole Mutuel du Languedoc in the top 3% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Caisse Regionale du Credit Agricole Mutuel du Languedoc's value of 0.27 is 75.7% below this benchmark. Historically, Caisse Regionale du Credit Agricole Mutuel du Languedoc's own PB Ratio has ranged from 0.17 to 0.48 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 1.11, Caisse Regionale du Credit Agricole Mutuel du Languedoc 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 1,511 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. Caisse Regionale du Credit Agricole Mutuel du Languedoc's current PB Ratio of 0.27 is 75.7% 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 Caisse Regionale du Credit Agricole Mutuel du Languedoc 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. Caisse Regionale du Credit Agricole Mutuel du Languedoc's current PB Ratio is 0.27, which is near median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Caisse Regionale du Credit Agricole Mutuel du Languedoc stock overvalued right now?
Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) is currently considered Significantly Overvalued. The stock's GF Value™ is €51.79, compared to a current price of €84.19 — trading 62.6% above its estimated fair value. The current PB Ratio is 0.27, which is near median its 10-year median of 0.29 and 75.7% below the Banks industry median of 1.11. Caisse Regionale du Credit Agricole Mutuel du Languedoc's overall GF Score™ is 45/100 with 1 warning sign 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 Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0), the current PB Ratio is 0.27 as of Jul. 23, 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 Caisse Regionale du Credit Agricole Mutuel du Languedoc (STU:8FZ0) Overvalued in 2026?
Based on GuruFocus' analysis, Caisse Regionale du Credit Agricole Mutuel du Languedoc stock appears to be overvalued.
The current stock price of €84.19 is trading 62.6% above its estimated GF Value™ of €51.79.
GuruFocus considers Caisse Regionale du Credit Agricole Mutuel du Languedoc to be Significantly Overvalued.
Key valuation signals for STU:8FZ0:
PB Ratio: 0.27 (near median its 10-year median of 0.29)
GF Value™: €51.79 vs. price of €84.19 (62.6% above fair value)
Industry Position: 75.7% below the Banks median (#52 of 1511)
No single metric tells the full story. See the STU:8FZ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Caisse Regionale du Credit Agricole Mutuel du Languedoc Business Description
Caisse Regionale du Credit Agricole Mutuel du Languedoc is a regional bank in France. The bank provides banking services and products in France. It has a network of approximately 102 banking outlets and 210 branches. The bank's service portfolio consists of real estate credit, consumer credit, saving account, property insurance and insurance of persons. It primarily serves individuals, enterprises, professionals and associations, among others.
45GF Score
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