Ascory Bank AGSTU:VG80 55 PB Ratio is 0.35 as of Jun. 30, 2026, which is 58% below its 10-year median of 0.83. GuruFocus rates STU:VG80 with a GF Score™ of 55/100 and a GF Value™ of €1.88. The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Ascory Bank AG ranks better than 94.73% 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 (2026-06-30), Ascory Bank AG's share price is €2.74. Ascory Bank AG's Book Value per Share for the quarter that ended in Dec. 2025 was €7.80. Hence, Ascory Bank AG's PB Ratio of today is 0.35.
The historical rank and industry rank for Ascory Bank AG's PB Ratio or its related term are showing as below:
STU:VG80'
s PB Ratio Range Over the Past 10 Years
Min: 0.26 Med: 0.83 Max: 10.04
Current: 0.33
During the past 13 years, Ascory Bank AG's highest PB Ratio was 10.04. The lowest was 0.26. And the median was 0.83.
STU:VG80's PB Ratio is ranked better than 94.73% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs STU:VG80: 0.33
During the past 12 months, Ascory Bank AG's average Book Value Per Share Growth Rate was 0.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 14.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 18.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Ascory Bank AG was 42.90% per year. The lowest was -41.20% per year. And the median was 9.10% 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.
Ascory Bank AG PB Ratio Related Terms
Ascory Bank AG PB Ratio Historical Data
* Premium members only.
The historical data trend for Ascory Bank AG'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, Ascory Bank AG'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.
Ascory Bank AG PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ascory Bank AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Ascory Bank AG'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.
Ascory Bank AG'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.
Ascory Bank AG (STU:VG80) has a PB Ratio of 0.35 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Ascory Bank AG and its competitors. This is 58% below median its historical median of 0.83. Over the past decade, Ascory Bank AG's PB Ratio has ranged from 0.26 to 10.04. According to the industry distribution chart, Ascory Bank AG ranks #80 out of 1519 companies in the Banks industry, placing it in the top 5.3%.
Is Ascory Bank AG's PB Ratio too high?
Ascory Bank AG's current PB Ratio of 0.35 is 58% below median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 10.04. The Banks industry median PB Ratio is 1.09. Ascory Bank AG's value of 0.35 is 67.9% below this industry median. Based on the distribution chart, Ascory Bank AG ranks #80 out of 1519 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ascory Bank AG has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Ascory Bank AG's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Ascory Bank AG ranks #80 out of 1519 companies for PB Ratio. This places Ascory Bank AG in the top 5% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.09. Ascory Bank AG's value of 0.35 is 67.9% below this benchmark. Historically, Ascory Bank AG's own PB Ratio has ranged from 0.26 to 10.04 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 1.09, Ascory Bank AG 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 1,519 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. Ascory Bank AG's current PB Ratio of 0.35 is 67.9% 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 Ascory Bank AG 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. Ascory Bank AG's current PB Ratio is 0.35, which is 58% below median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ascory Bank AG stock overvalued right now?
Ascory Bank AG (STU:VG80) has a current PB Ratio of 0.35. The stock's GF Value™ is €1.88, compared to a current price of €2.74 — trading 45.7% above its estimated fair value. The current PB Ratio is 0.35, which is 58% below median its 10-year median of 0.83 and 67.9% below the Banks industry median of 1.09. Ascory Bank AG's overall GF Score™ is 55/100 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 Ascory Bank AG (STU:VG80), the current PB Ratio is 0.35 as of Jun. 30, 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 Ascory Bank AG (STU:VG80) Overvalued in 2026?
Based on GuruFocus' analysis, Ascory Bank AG stock appears to be overvalued.
The current stock price of €2.74 is trading 45.7% above its estimated GF Value™ of €1.88.
Key valuation signals for STU:VG80:
PB Ratio: 0.35 (58% below median its 10-year median of 0.83)
GF Value™: €1.88 vs. price of €2.74 (45.7% above fair value)
Industry Position: 67.9% below the Banks median (#80 of 1519)
No single metric tells the full story. See the STU:VG80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ascory Bank AG is a German credit institution. Its business model is focused as a specialist bank for structured financing in the corporate client sector targets start-up and scale-up clients in the fintech (including leasing and factoring institutions), energy transition, and leveraged finance sectors, and is based on a diversified funding plan.
55GF Score
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