TSX:FC'
s PB Ratio Range Over the Past 10 Years
Min: 0.83 Med: 1.14 Max: 1.38
Current: 1.04
During the past 13 years, Firm Capital Mortgage Investment's highest PB Ratio was 1.38. The lowest was 0.83. And the median was 1.14.
TSX:FC's PB Ratio is ranked better than 54.35% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs TSX:FC: 1.04
During the past 12 months, Firm Capital Mortgage Investment's average Book Value Per Share Growth Rate was 0.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 1.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Firm Capital Mortgage Investment was 10.20% per year. The lowest was -3.50% per year. And the median was 1.30% per year.
Back to Basics: PB Ratio
Firm Capital Mortgage Investment (TSX:FC) 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.
Firm Capital Mortgage Investment PB Ratio Related Terms
Firm Capital Mortgage Investment 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.
For the Mortgage Finance subindustry, Firm Capital Mortgage Investment'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.
Firm Capital Mortgage Investment PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Firm Capital Mortgage Investment's PB Ratio distribution charts can be found below:
* The bar in red indicates where Firm Capital Mortgage Investment's PB Ratio falls into.
Firm Capital Mortgage Investment 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.
Firm Capital Mortgage Investment (TSX:FC) has a PB Ratio of 1.04 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 Firm Capital Mortgage Investment and its competitors. This is near median its historical median of 1.14. Over the past decade, Firm Capital Mortgage Investment's PB Ratio has ranged from 0.83 to 1.38. According to the industry distribution chart, Firm Capital Mortgage Investment ranks #692 out of 1516 companies in the Banks industry, placing it in the top 45.6%.
Is Firm Capital Mortgage Investment's PB Ratio too high?
Firm Capital Mortgage Investment's current PB Ratio of 1.04 is near median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.83 to a high of 1.38. The Banks industry median PB Ratio is 1.09. Firm Capital Mortgage Investment's value of 1.04 is 4.6% below this industry median. Based on the distribution chart, Firm Capital Mortgage Investment ranks #692 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, Firm Capital Mortgage Investment has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Firm Capital Mortgage Investment's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Firm Capital Mortgage Investment ranks #692 out of 1516 companies for PB Ratio. This puts Firm Capital Mortgage Investment in the upper half of its industry. The industry median PB Ratio is 1.09. Firm Capital Mortgage Investment's value of 1.04 is 4.6% below this benchmark. Historically, Firm Capital Mortgage Investment's own PB Ratio has ranged from 0.83 to 1.38 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.09, Firm Capital Mortgage Investment 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. Firm Capital Mortgage Investment's current PB Ratio of 1.04 is 4.6% 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 Firm Capital Mortgage Investment 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. Firm Capital Mortgage Investment's current PB Ratio is 1.04, which is near median its own 10-year median of 1.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firm Capital Mortgage Investment stock overvalued right now?
Based on GuruFocus' analysis, Firm Capital Mortgage Investment (TSX:FC) is currently considered Fairly Valued. The stock's GF Value™ is C$12.40, compared to a current price of C$12.09 — trading 2.5% below its estimated fair value. The current PB Ratio is 1.04, which is near median its 10-year median of 1.14 and 4.6% below the Banks industry median of 1.09. Firm Capital Mortgage Investment's overall GF Score™ is 63/100 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 Firm Capital Mortgage Investment (TSX:FC), the current PB Ratio is 1.04 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 Firm Capital Mortgage Investment (TSX:FC) Overvalued in 2026?
Based on GuruFocus' analysis, Firm Capital Mortgage Investment stock appears to be undervalued.
The current stock price of C$12.09 is trading 2.5% below its estimated GF Value™ of C$12.40.
GuruFocus considers Firm Capital Mortgage Investment to be Fairly Valued.
Key valuation signals for TSX:FC:
PB Ratio: 1.04 (near median its 10-year median of 1.14)
GF Value™: C$12.40 vs. price of C$12.09 (2.5% below fair value)
Industry Position: 4.6% below the Banks median (#692 of 1516)
No single metric tells the full story. See the TSX:FC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firm Capital Mortgage Investment Business Description
Firm Capital Mortgage Investment Corp is a Canadian financial provider. It acts as a non-bank lender providing residential and commercial short-term bridge and conventional real estate financing, including construction, mezzanine, and equity investments. The company provides construction, equity, and conventional real estate finance for residential houses, small multi-family residential properties, mixed-use residential, and others to the builder, developer, and real estate owner marketplace, along with a high level of personal service to real estate investors. Also, it provides loan servicing, asset management, and related investment services. The company's revenue comprises Interest and fee income and commission fees arising from Canada and the United States.
63GF Score
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