BTV Vier Lander Bank AGSTU:ZTY 64 PB Ratio is 1.18 as of Jun. 30, 2026, which is 100% above its 10-year median of 0.59. GuruFocus rates STU:ZTY with a GF Score™ of 64/100 and a GF Value™ of €59.80 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,519 Banks companies, BTV Vier Lander Bank AG ranks worse than 64.25% on this metric.
BTV Vier Lander Bank AG stock PB Ratio (=1.3) is close to 10-year high of 1.3.
The historical rank and industry rank for BTV Vier Lander Bank AG's PB Ratio or its related term are showing as below:
STU:ZTY'
s PB Ratio Range Over the Past 10 Years
Min: 0.44 Med: 0.59 Max: 1.3
Current: 1.3
During the past 13 years, BTV Vier Lander Bank AG's highest PB Ratio was 1.30. The lowest was 0.44. And the median was 0.59.
STU:ZTY's PB Ratio is ranked worse than 64.25% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs STU:ZTY: 1.30
During the past 12 months, BTV Vier Lander Bank AG's average Book Value Per Share Growth Rate was 8.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of BTV Vier Lander Bank AG was 94.80% per year. The lowest was -37.90% per year. And the median was 5.50% per year.
Back to Basics: PB Ratio
BTV Vier Lander Bank AG (STU:ZTY) 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.
* 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, BTV Vier Lander 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.
BTV Vier Lander Bank AG PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BTV Vier Lander Bank AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where BTV Vier Lander 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.
* 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.
BTV Vier Lander Bank AG (STU:ZTY) has a PB Ratio of 1.18 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 BTV Vier Lander Bank AG and its competitors. This is 100% above median its historical median of 0.59. Over the past decade, BTV Vier Lander Bank AG's PB Ratio has ranged from 0.44 to 1.30. According to the industry distribution chart, BTV Vier Lander Bank AG ranks #976 out of 1519 companies in the Banks industry, placing it in the top 64.3%.
Is BTV Vier Lander Bank AG's PB Ratio too high?
BTV Vier Lander Bank AG's current PB Ratio of 1.18 is 100% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 1.30. The Banks industry median PB Ratio is 1.09. BTV Vier Lander Bank AG's value of 1.18 is 8.3% above this industry median. Based on the distribution chart, BTV Vier Lander Bank AG ranks #976 out of 1519 companies in the Banks industry, which is below the industry midpoint. Overall, BTV Vier Lander Bank AG has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BTV Vier Lander Bank AG's PB Ratio compare to PNC and USB?
According to the Banks industry distribution chart, BTV Vier Lander Bank AG ranks #976 out of 1519 companies for PB Ratio. This places BTV Vier Lander Bank AG in the lower half of its industry. The industry median PB Ratio is 1.09. BTV Vier Lander Bank AG's value of 1.18 is 8.3% above this benchmark. Historically, BTV Vier Lander Bank AG's own PB Ratio has ranged from 0.44 to 1.30 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.09, BTV Vier Lander Bank AG has consistently been above 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. BTV Vier Lander Bank AG's current PB Ratio of 1.18 is 8.3% above 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 BTV Vier Lander 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. BTV Vier Lander Bank AG's current PB Ratio is 1.18, which is 100% above median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BTV Vier Lander Bank AG stock overvalued right now?
Based on GuruFocus' analysis, BTV Vier Lander Bank AG (STU:ZTY) is currently considered Significantly Overvalued. The stock's GF Value™ is €59.80, compared to a current price of €84.00 — trading 40.5% above its estimated fair value. The current PB Ratio is 1.18, which is 100% above median its 10-year median of 0.59 and 8.3% above the Banks industry median of 1.09. BTV Vier Lander Bank AG's overall GF Score™ is 64/100 with 6 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 BTV Vier Lander Bank AG (STU:ZTY), the current PB Ratio is 1.18 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 BTV Vier Lander Bank AG (STU:ZTY) Overvalued in 2026?
Based on GuruFocus' analysis, BTV Vier Lander Bank AG stock appears to be overvalued.
The current stock price of €84.00 is trading 40.5% above its estimated GF Value™ of €59.80.
GuruFocus considers BTV Vier Lander Bank AG to be Significantly Overvalued.
Key valuation signals for STU:ZTY:
PB Ratio: 1.18 (100% above median its 10-year median of 0.59)
GF Value™: €59.80 vs. price of €84.00 (40.5% above fair value)
Industry Position: 8.3% above the Banks median (#976 of 1519)
No single metric tells the full story. See the STU:ZTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BTV Vier Lander Bank AG provides banking and financial products and services. It operates in Austria, Switzerland and Germany. It has corporate clients, retail clients, institutional clients and banks, leasing, and cable cars segments. The firm derives the majority of the revenues from the corporate client's segment.
64GF Score
Get the complete analysis for STU:ZTY
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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